South Florida Homeowners Insurance Information

Thinking of moving to South Florida? Why not – fantastic weather, amazing beaches and lots to do by way of recreation. But before you take the plunge, there are a few things to take into account in regards to house insurance.

First of all, obtaining South Florida homeowners insurance from a   website can be incredibly tricky, even if you have a great track record in the past with regards to homeowners insurance. In actual fact, it can be such a problem that the Citizens Property Insurance Corporation was brought into existence to alleviate the problems people had in regards to homeowners insurance and guarantee insurance coverage if for some reason you failed in your attempt to get insurance. Of course this is great news if your one of those people looking for South Florida homeowners insurance. Despite this though, there are still a couple of things to think about in terms of the cost of this insurance, which is affected by several factors that are specific to the South Florida area.

Hurricane Insurance

Hurricane insurance is something that fluctuates and changes wildly. This is due to humongous insurance claims. What this has resulted in is insurance companies protecting themselves by moving the goalposts to the point that it is increasingly hard to get coverage.

Flood Insurance

The cost of flood insurance also plays a crucial part when it comes to selecting your new home in South Florida. Obviously one of the ways you can be proactive when it comes to flood insurance is simply making sure that your new home is not in a flood zone. Sounds simple enough but it pays to really investigate because, let’s say for example that your dream home is a waterfront property. The good news is that this doesn’t necessarily mean it’s a flood risk – there are a lot of other factors that come into play so take your time and you never know, that dream home could be right in a sweet spot when it comes to your South Florida homeowner insurance.

Use Connections

Have a friend who lives in the area you’re moving too? Well, they probably have a line on a company who will be able to offer you the South Florida homeowners insurance that you need. After all, your friend has insurance right. If you don’t know anybody in the area, maybe now would be a good chance to strike up some friendships before you move into the area.

If all else fails, enlist the services and help of an independent insurance company in the area who will have information on the options available to you.

Just remember that homeowners’ insurance prices are affected by a variety of factors – flood risk, hurricane risk, proximity to water – so it’s best to be prudent and pro-active in your house search so that you don’t run into any unpleasant surprises when you make your dream move to the Sunshine State. Take your time, assess all of your options and be sure not to rush your decision making to ensure that you arrive at the best possible outcome.

How to Find Cheap Auto Insurance in Florida

Auto insurance is an important part of owning and operating a vehicle and in order to be a responsible driver, you must ensure that you are sufficiently covered.  With the use of auto insurance, you won’t have to pay for medical bills and vehicle repairs in the event of an accident, as your insurance company will handle the finances for you.  Also, finding cheap auto insurance in Florida can help you to save money on a monthly basis.  Below are the steps that you can use to help you find inexpensive auto insurance in Florida from someone like this.

Tip 1: Shop Around for Deals

Although you may come across one company that offers you the most amount of services for one low price, there may be other insurance companies that offer more for less.  You should shop around for deals to ensure that you select the right company to sign with.  Finding cheap auto insurance in Florida can be simple if you are aware of the prices that other insurance companies are offering.  You can use a variety of online comparison tools to find the best rate for your personal situation and the type of coverage that you want to receive.

Tip 2: Don’t Add Everyone to Your Policy

Although you may have 4 family members that are able to drive in your family, don’t put all of them on your insurance plan if they won’t be operating the vehicle, otherwise you will be paying for coverage that you don’t need.  Make sure that you only sign regular drivers up for your insurance policy.  If you find that another family member needs to use the car at one point in time, you can add them on for a few days without having to pay a higher monthly premium.

Tip 3: Do You Have a No-Claims Bonus?

The majority of insurance companies offer no-claims bonuses to drivers who have a clean driving record.  This bonus could help you to pay for your insurance or to give you more coverage options without having to pay for it with your own money.  No-claims bonuses will differ between different insurance companies, therefore you will always want to carefully check your policy to determine what the terms and conditions are.

Tip 4: Car Security

Regardless of the insurance plan that you choose, it is imperative that you use some type of car security.  Alarms, immobilisers, or tracking devices can help you to get a discount on your car insurance payments.  The majority of new cars will have these components already installed, therefore you should read through your owner’s manual to see if there are any features in your car that will help you to have lower insurance payments.

Finding cheap auto insurance in Florida is simple with the use of the above steps.  Whether you are a new driver or a driver who is looking to switch to a different insurance company, you will want to ensure that you find the best cheap auto insurance in Florida to help you save money on a monthly basis.