All You Need to Know About Home Insurance in Florida

Bridget Hinckley, Owner / Agent

A Univeristy of Flordia, School of Business graduate, Bridget has been in the insurance industry her entire life. First working for two large national carriers in underwriting and then her family's Independent Agency, before going out on her own to found Hinckley Insurance.

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Tips for Saving Money on Home Insurance in Florida

Finding affordable homeowners insurance in Florida can be challenging due to the state's susceptibility to hurricanes, other natural disasters and the cost of litigation. However, there are several strategies you can use to help you find affordable coverage:

Shop Around: Compare quotes from multiple insurance providers. You can do this online or by contacting insurance agents in your area. Be sure to request quotes with similar coverage limits and deductibles for accurate comparisons.

Bundle Your Policies: Many insurance companies offer discounts when you bundle your homeowners insurance with other policies, such as auto insurance. This can result in significant savings.Increase Your

Deductible: Raising your deductible can lower your premium. Just be sure you have enough savings to cover the higher deductible in case of a claim.

Improve Home Security: Installing security systems, smoke detectors, and deadbolt locks can reduce your insurance costs. Some insurers offer discounts for these safety features.

Maintain Good Credit: Your credit score can impact your insurance premium. Maintaining good credit can help you qualify for lower rates.

Make Home Improvements: Upgrading your home's roof, electrical system, and plumbing can make it more resistant to damage, potentially lowering your insurance costs.

Consider Wind Mitigation Features: In Florida, wind mitigation features like hurricane shutters, reinforced roofs, and impact-resistant windows can qualify you for discounts on your insurance.

Maintain a Claims-Free History: Avoid filing frequent claims, especially for small losses, as this can cause your premiums to increase.

Review and Update Your Coverage Annually: Your insurance needs may change over time. Periodically review your coverage to ensure it still suits your needs and budget.

Work with an Agent: Most Insurance agents can provide you with access to multiple insurance providers, helping you find the most affordable and suitable policy for your needs.

Remember that while affordability is important, it's also crucial to ensure you have adequate coverage to protect your home and belongings, especially in a state prone to natural disasters like Florida. Carefully review policy details and ask questions to understand the coverage provided by different insurers before making a decision.

Call Bridget at Hinckley Insurance to Explore your Options 561-220-5974