The Tips To House Insurance Companies In Florida


Constructing or buying an own house is the dream of everyone. Owning a house is a prized property and this has to be saved from natural calamities in case if you live in an area, which is prone to such disasters. Moreover, the house has to be maintained well in order to save the same from destruction. That is why people have to insure their own houses. Insuring your house will provide coverage and you will be financially helped in case of any untoward incident that damages your house and the belongings inside it.

Florida Weather:

In view of its beautiful location, sand beaches, clear water and sunny weather, there is no wonder that people wish to own a house in Florida. At the same time, one should not forget that Florida's location lies between Atlantic Ocean and Gulf of Mexico. Therefore, Florida is highly vulnerable to hurricanes and tropical storms.

In the past, the residents of Florida were struggling to get adequate insurance coverage for their houses and now those days have gone. There are very many reputed house insurance Florida companies offering several viable options of coverage, but it is not that much cheap to get these coverages.

House owners of Florida pay a premium of $2115 per year on an average as against $1096, which is the national average. However, these average premiums may vary in a great way as this depends on which area you live. House owners in many States depend on bigger and leading insurance companies, whereas the local provider are writing the insurance policies for the residents of Florida. This is because the local insurance providers offer the required level of tailored service to meet the needs of the people as they are aware of the Florida weather conditions.

How to Find Good House Insurance?

Price is not a big deal. If a firm is new or without enough assets, it will be difficult for it to cater to the needs of the insured in case of a major disaster. Therefore, you have to check the financial stability of the company before buying a home insurance from it. It is also good to consult an independent agent, who is familiar with the dealings of many companies that provide house insurance in Florida.

You are aware that insurance premiums also varies according to the value of your house. Finding affordable house insurance in Florida is always a challenge. One of the reasons behind this is that no major national insurance companies do not write house owners insurance policies here. Only a few companies are writing house insurance Florida policies out of about 400 licensed companies to deal with house insurance.

Further, if your home is located in the Southern Florida coastal county, it will be more difficult to find necessary coverage. In these areas, only a very few companies are actively doing business and if you live in a home that is very close to water, finding enough coverage is still more difficult.

Many Florida coastal homes get house insurance coverage from the Citizens Property Insurance Corporation, which is a State run insurance company. Even though your home is located in coastal areas, there are possibilities to find affordable house insurance in Florida.

The two main considerations is that whether your home is located in the Citizens Wind Pool and the underwriting the guidelines being used by private home insurance companies of Florida exclusively for coastal homes. The Citizens Wind Pool refers to the coastal areas across the State of Florida where the house owners are eligible to buy home insurance policy from Citizens Property Insurance Corporation, which especially covers wind damage. House owners, who fall within the frame of Citizens Wind Pool have to buy two insurance policies one from Citizens Insurance to cover wind damage and the other from private insurance companies that provide coverage of losses from other risks including fire damage.

However the prices of house insurance Florida policies are determined on the fact how near your home is located to coastal areas. When you shop for home insurance you have to consult more than one agent and try to get the best quotes. This alone will help you to get a good coverage at reasonable prices.

How to get the Cheap Home Insurance Quotes?

It is better to go online insurance websites and get quick insurance quotes. You have to provide the following information to get such insurance quotes.

1. Plinth area of your home
2. Year when your home was built
3. How near is the fire hydrant to your home
4. Construction details of your home such as type of foundation, walls and roof
5. Coverage limit, you need
6. Deductibles, you want to set
7. Safety measures in your home such as deadbolts, fire alarms, water alarms, fire extinguishers, security systems etc.

However, you have to set your deductibles as high as you can afford to. For example, if you increase your deductibles from $500 to $1000, you can save up to 25% on your insurance premium. You have to estimate the values of your belongings and also get an estimate to rebuild your home as and when necessary. Also check for the discounts to which you are eligible. There are several discounts such as discounts for non-smokers, senior citizens discounts, discounts for security features set up in your home and more. Do not fail to avail the discounts to which you are eligible by opening out the facts regarding your personal information.. This will considerably reduce your premium.

Notable Florida homeowners insurance companies can be taken as follows. They are State Farm, Tower Hill Insurance Group, Universal Insurance Holdings, Citizens Property Insurance and Federated National Insurance. Despite these companies there are many leading home insurance companies that offer great service to the residents of Florida.


Home insurance is very much essential elsewhere in the world including the State of Florida. Especially, those having their homes in coastal areas need a home insurance with right coverage, because these areas are prone to attack by national calamities such as hurricane winds, storms, floods and what not. Insure your home and the belongings with the right insurance company and live happily.