How to Get Cheap Homeowners Insurance in South Florida

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* Impact-resistant windows

* Hurricane-rated entry and garage doors

* A stronger roof

Raise Your Deductibles

Another way to lower your homeowners insurance premium is to raise your deductible for perils such as hurricanes. The deductible is the amount of money you pay toward a claim before your insurance company pays. The higher your deductible, the lower your premium.

Most insurance companies recommend you set your deductible to at least 0, but if you can afford to raise your deductible to ,000, you may save as much as 40% on your yearly premium.

Shop Around

Many South Florida homeowners are finding that their insurance premiums are increasing or that their homeowners insurance isn’t being renewed. Many large insurance companies are not writing new business in South Florida.

However, you can find smaller, independent companies that are still accepting business, and offering rates you will find to be astonishingly low. In fact, by comparison shopping for homeowners insurance, you can save thousands of dollars a year.

Of course, you also want to be sure that the insurance company you choose is stable and financially sound. You don’t want to choose a company that will be unable to pay your claims should a disaster strike.

That’s why the best way to shop for homeowners