Homeowners Insurance Comparisons in Florida

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Homeowners Insurance Premium Comparisons in Florida

We have excellent news for Floridians... Thanks to the state's collection of data from 25 companies, we can pass on the rates for all 67 Florida counties in clear concise fashion. Naturally, when insurance premiums are compared, to keep the playing field level the characteristics of the basis for the comparison need to be level as well. So you should know some things as you view these rates...

1.) You may be eligible for additional savings with the carriers you'll find here. Property insurers will often reward customers when they're selected for both homeowners and auto insurance. This is typically called the "Auto-Home Discount" by insurers.

2.) Security systems-- sometimes even simple deadbolts can mean some savings on homeowners insurance. Usually the more advanced your system-- the deeper the discount.

3.) Sprinkler systems can reduce your homeowners insurance costs.

4.) Wind mitigation discounts.

5.) Claims free homeowners insurance discounts.

The rates you'll find displayed on these pages will not include discounts, so be sure when you run your actual quotes (after entering your state of residence and clicking on "Quote") that you ensure the discounts you're eligible for are applied.

The State of Florida is also clear on the notion that they offer this pricing guide as a means of comparing rates for a typical Florida home and that not all of the companies on the site will have insurance available in every county.

The characteristics for comparison are as follows:
5-year old, Florida concrete block home;
Current replacement value of $150,000;
$500 non-hurricane deductible;
2% hurricane deductible;
No claims;
No wind mitigation discounts

Ultimately-- by laying out the rates for all to see-- the goal is more competition, hence rates that stay low. We agree that this is good practice-- this is after all-- why we've established this site. We want informed customers. Customers that feel they've got everything they need to find the best possible insurance rates on-line.

So... we hope this goes a long way toward helping you. Florida's site (floir.com) also makes the point that there is one company that offers insurance in all counties of Florida-- Citizen's Property Insurance Corporation.

Enjoy shopping and comparing homeowners insurance rates on-line here at PremiumComparisons.com!