Whether you are an airline executive, a winter-only resident who owns a small cottage in nearby Boynton Beach, or a competitive tennis player who lives in town just to be in proximity to the ATP World Tour 250 series tourney, you appreciate the various risks and opportunities that life in Southern Florida offers. On one hand, Delray Beach has a great climate essentially year-round, a safe community, lots of great places to shop and eat, and a plethora of cultural events and activities. On the other hand, finding even adequate Delray Beach insurance quotes can be a challenge given South Florida's notoriousness for being a hurricane magnet.
To that end, this essay can provide practical steps, tricks, and strategies to get your rates down and simultaneously improve the quality of your coverage, so you can finish this chore quickly and return to more fun stuff, like the Delray Beach Garlic Fest or an Art & Jazz concert.
Homeowners -- a Huge Delray Beach Insurance Concern
During the first decade of the 2000s, Delray Beach witnessed a housing boom -- particularly near Atlantic Avenue. Unfortunately, while many of these homes and buildings boast storm-proofing, the fact that Southern Florida has been besieged so many times by so many different insane weather events means that you may face an uphill battling to get your Delray Beach insurance quotes down. Consider that, in 2007, the National Association of Insurance Commissioners found that Floridians paid almost twice the national average for HO-3 homeowner's policies -- $1,534 versus $795. That's right -- the Sunshine State was the worst in the country for this metric. It even beat out Louisiana, site of Hurricane Katrina's worst destruction, and Texas -- which also sees a fair share of unfortunate weather blowing in off the Gulf.
As if that's not bad enough news, your Delray Beach insurance quotes could be even higher depending on a variety of tangible and intangible factors. These include but they are not limited to: how much of your home you have paid off, the quality of your storm-proofing, whether there are other "on-property hazards" like a pool or a pet Doberman Pinscher, and your credit score. It's easy to go dizzy just thinking about the various pieces of the Delray Beach insurance puzzle -- that's why it's so important to discuss concerns and cost-saving ideas with a quality local insurance agent -- someone who understands the market.
Dredging up Doable Delray Beach Insurance Quotes
Through NetQuote, a fast and free online service, you can supercharge your research right now. Instead of filling out a cascade of forms at various insurer websites (which can be 110 questions long, each), fill out a single quote form on our site and collect 5+ quotes immediately to analyze, act on, or simply to use as fodder for continued research.