How I Purchased Home Insurance in Florida

My family just recently moved to Florida and as we were purchasing our home, you guessed it, the bank required us to purchase home insurance in Florida.  Well, being new to the area and not knowing which way to turn and I turned to my trusted “Google”.  What I found was something amazing and super easy.

Shop Online for Home Coverage in FL

There are sites that will actually help you find homeowners insurance like All you have to do is submit your information one time and you start receiving insurance quotes almost immediately.  How awesome is that?  No searching through the phone book or the local chamber of commerce to find agents.  Just fill out some basic information, hit submit, and get quotes.

Now the one thing you need to take into consideration when purchasing Florida home insurance is which policy is best for me and my family.  Every insurance company has its own unique offerings when it comes to homeowners policies.

Some companies will even insure your personal items no matter where they are in the world.  If you are a traveler, says it is a perk that can apply to you. Others may even cover the contents of your freezer in the event of a prolonged power outage.  My mother and her on sale buying habits would definitely benefit from that little perk right there.

The perks you get are not necessarily the best way to choose your FL home insurance.  You really need to study the quotes you receive and compare the policies to make sure you are purchasing the policy that is most relevant to your needs.

Always Read the Fine Print

Florida Insurance Quotes says to be sure to read the fine print. My mom used to always say “what the large print giveth, the small print taketh away”.  Nothing could be worse than feeling that your home is completely covered and then having a claim and finding out that it is not.  Do your research and in the end, you should be able to feel at ease with your selection.

There is definitely peace of mind in knowing that your home is covered under a homeowners policy.  While no one really expects to ever have to use it, it’s just nice knowing it’s there if you need it.  It truly is a great method for protecting one of your most valuable investments.  And I know everyone wants to keep a roof over their family’s heads.

Florida Car Insurance, Where Are the Best Deals At?

I’m super excited to say that I just purchased a brand new car!  And not so excited to say that along with it I just purchased a brand new auto insurance policy.  But you know how it goes; you have to do what you have to do.  I was a little intimidated when I first started looking for Florida car insurance.  There are definitely a lot of options out there and I wasn’t sure where to get started.

Start Your FL Car Insurance Search Online

Like most people in my generation, I turned to the World Wide Web.  There is no better place to go to do research on buying car insurance in Florida.  You can learn so much with just the click of a few buttons.  I learned that the best way to find the best coverage for me was to get quotes from several different companies.  That may sound like a lot of work, but trust me it isn’t.

There are actual websites that help you find the coverage you need and are looking for.  And what is great about these sites is that you only have to submit your information one time and you receive quotes from several different companies.  It really cuts down on the amount of time you have to spend searching.  It’s almost like instead of you searching for insurance; the insurance comes looking for you.

Now, another thing I learned in this process is that not all FL car insurance is the same.  Every company has its way of doing things and its own little perks that go along with the policies. Since I hit the road a lot on my own, I liked that the policy I chose had roadside assistance.

How I Chose My Policy

While that was a perk I liked, it was not the sole reason that I chose the policy that I did. I did receive three quotes from and I spent time looking over each one.  I chose the policy that had the best coverage limits and the best price from a company that was rated high in customer service by their policyholders.

After all, if my next adventure turns out to end abruptly with an accident, I definitely want to know that the process ahead to get things corrected is going to go as smoothly as possible. And no one knows better what car insurance quotes in Florida from various companies can follow through on that than the people that have been through that process already.

Renters Insurance in Florida

You finally get that great job and it’s time to relocate.  You’re not moving out of Florida but just up the state and you would rather rent a home first.  You find the perfect house and notice the landlord has a clause in the lease agreement that requires you, the renter, to obtain renters insurance.  You wonder if this is even legal. The answer is yes and, as a matter of fact, it is more and more common to find this condition as part of the agreement to lease a home.  This, of course, benefits the landlord preventing things like being sued for the tenant’s personal property damage. But it definitely has many benefits for the tenant as well.  Renters insurance should be something everyone should consider when renting a property whether it is required or not.

There are many tools that can help compare rates and policies for renters insurance in Florida that are appropriate for your needs.  Most of the big names such as Progressive and State Farm offer insurance in most of Florida but for the towns where they don’t, there are other companies such as Great Florida Insurance and Statewide Insurance. All of these are available through a broker like

Tips to Help you before you Buy Renters Insurance

As you start to investigate the different insurance companies to find the quote and policy that works best for you, one of the most common tips is to make a list of all the personal items you own and add some pertinent information to it.  Helpful information would be the price of each of those items at the time of purchase as well as how much each is worth now.

The next step is to add up all of those amounts and have a total estimate of the value of your personal items.  Additionally, taking pictures of each of those items and keeping them with the list to make it easier if you ever need to make a claim.  Finally, and this is the most common sense advice; keep the list in a safe place outside of your home.

Benefits of Renters Insurance and Discounts

Some of the benefits of buying renters insurance especially in Florida, include protecting your personal property from theft, catastrophic events such as fires and natural disasters such as hurricanes, tornadoes and floods. It also protects the tenant against personal liability if a guest gets injured while in your home.  As a tenant you may own highly valuable items such as jewelry, fine art and gold. These items may have limitations under a standard policy but you may opt to purchase additional coverage for them.

Tenants should also be aware of the different ways they can save money by obtaining discounts on their renters’ insurance policy.  There are many things that may qualify you for a discount. Living in Florida, there are many weather vulnerable areas. If you happen to live away from coastlines and hurricane and flood zones, you may qualify for a discount.  Other ways to obtain discounts on your policy include having a monitored alarm system, fire alarm or even if you live within a certain mileage from the fire department. Gated communities are abundant in Florida and your renters insurance policy from here may be lowered if you happen to rent in one of these communities with a 24-hour guard.

As it’s true with any insurance policy; the higher the deductible, the lower the policy.  This is yet another way to bring that policy payment down. And for those who are over the age of 50 or who are retired, there may be a discount as well.