Home insurance is often expensive and it pays to be aware of all the potential discounts. Anyone buying a home should make sure that they have both a comprehensive and affordable homeowners insurance policy. When obtaining a Florida quote homeowners insurance always ask the agent about any possible discounts, which can make a huge difference to the cost of your insurance, even saving you up to 40 percent per year.
Discounts for Multiple Policies
Typically, if you buy your car insurance and your Florida homeowners insurance through the same company, it can get you a discount, known as a multi policy discount. This can save you as much as 20 percent off both your car and homeowners insurance and not only is this a great way to save money, it is also a convenient way to both pay and track your policies.
The deductible is the amount that you would have to pay in the event of filing a claim, before the insurance company covers the cost and understanding this is important when it comes to saving money on your Florida quote homeowners insurance. A low deductible costs you more per month but means you will be paying more if you have to file a claim and it may pay you to choose a large deductible amount if you do not intend to file claims for small amounts. $250 is the most common deductible amount; increasing it to $1000 can save you up to 20 percent on your personal property and dwelling coverage.
Installing an alarm in your home can potentially save you up to 15 percent as well of course, as protecting your home. Many alarm systems notify the fire and police when activated and they will be dispatched to your house. This is also a cost saving for the insurance company money as their losses are mitigated.
Take advantage of any discounts for home insurance that you can. Your local Florida agent can advise you and help you to choose the policy that is just right for your needs.