As anyone who spends any time trudging through Everglades National Park can tell you, life in Florida can be quite unpredictable and even scary. If you lack quality Homestead insurance coverage -- or if you have an unbalanced insurance portfolio -- some part in the back of your subconscious will be constantly nagging at you to do something about it. Whether you suffered property damage during a recent South Florida monsoon, got into a fender bender near the Homestead Miami Speedway, or your 17-year old at Homestead High just got his license, and you fret about what this might mean for your policy, this article can spell out some relatively foolproof discount tactics and strategies to keep things clarified, simple, and systematic.
Homeowners and Auto Insurance: Life in Southern Florida = Oy!
Not to alarm you, but Floridians pay through the nose (at least on average) for homeowners and auto insurance -- two of the biggest and most critical kinds of insurance out there. The National Association of Insurance back in 2007 did a survey state by state and found that Floridian homeowners paid $1,534 for their HO-3 policies (ranking the FL as the most expensive state in this category) and $1,043 for auto insurance (ranking FL as the 5th most expensive state in this category). The reasons for Florida's sky-high rates are complicated. One huge contributing factor is the weather. With hurricanes and monsoons and whatnot blowing in off of the Gulf and Atlantic Ocean causing millions (if not billions) of dollars of damage annually to properties, life, and limb, you can understand why insurers get "gun shy" about providing affordable coverage.
So does this mean you are doomed to have Homestead insurance quotes that will give you a coronary? Not at all. Although much about insurance shopping is out of your control, ironically, there is much you can do to clarify, simplify, and streamline your coverage and your budget. It all begins with strategy.
With a little effort, chances are you can see dramatic improvement on your Homestead insurance rates. But your effort needs to be leveraged correctly. Don't think in terms of tactics and discounts right off the bat. Instead, think about what you want your coverage to be if you had no constraints. If money were no issue, what would you cover? Who do you want to do business with? What kind of agent would you want working with you? Etc. Get your "best case scenarios" out of your mind and onto paper. Then use this vision as a guide to evaluate Homestead insurance quotes. For instance, you may find that, instead of trying to whittle down your homeowners' insurance (which shot sky high after you placed a claim last year), you should instead concentrate on getting your auto down by doing things like taking a defensive drivers course, applying for low claims discount, and paying off your premium in a one lump sum instead of in installments.
Quality Homestead Insurance Quotes Yield Better Results
At the core of your search should be information. To get 5+ Homestead insurance quotes right now, use NetQuote -- a totally free, reputable and fast service. Sure, you could get the same info by filling out different quote forms at individual insurance companies. But this will take you a ton of time, and it will be very difficult to compare quotes side by side in an organized way.