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Home Ownership Preparation :: Florida Homeowners Insurance Quotes
Florida Homeowners Insurance Quotes:
How to Get Lower Quotes on Your Florida Homeowners' Insurance
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Tired of looking for Florida homeowners insurance quotes and coming up with premiums that are way out of your league? Well, there are three ways Florida homeowners could get a break or discount on their insurance. Keep reading to find out what they are.
Installing Wind-Resistant Shingles
A high-quality, wind-resistant roof shingle is designed to withstand winds up to 130 miles per hour. They can also resist impact from hail and flying debris.
Typically, a standard roof shingle will cost you an average of $70 per square foot while a high-impact shingle averages about $97 per square foot.
That major cost difference can add up, but it can also mean major savings. If you can prove to a carrier that you've installed a hurricane-resistant roof, your Florida homeowners insurance quotes will be significantly lower than the state average.
Installing Storm Shutters or Storm Windows
In Florida, insurance carriers are required to provide discounts or credits for homes that have installed storm shutters. Depending on your carrier, you can save up to 71 percent off your home insurance premiums simply by installing hurricane or storm shutters.
Basic Accordion hurricane shutters will typically cost an average of $12 per square foot. Meanwhile, roll-up panels that can be hidden or fancier Bahama-style shutters can cost anywhere from $16 to $25 a square foot, depending on the brand, style and installer.
Clear shutters are also popular as they still let in natural light, are non-claustrophobic, are rust-proof and still offer total protection. The panels typically cost between $5 and $7 per square foot and are designed to be hung up only when needed.
State Legislation
The state of Florida is letting insurance carriers to purchase backup insurance from the state's Hurricane Catastrophe Fund at a major discount. The carriers are then required to pass those savings on to the consumer.
Thanks to this new bill, rates are expected to fall by as much as 24 percent. With the new legislation, Florida homeowners insurance quotes will go from astronomical to doable.
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Home-Ownership-Preparation.com :: Florida Homeowners Insurance Quotes