The Best Auto Insurance in Florida

Who has the best auto insurance rates for Florida is up for debate, as always.  However, there are lots of companies to choose from, each one specializing in one or more areas which allows you to basically “cherry pick” what types of coverage you want from a very long list.  For the average Florida driver out there the most important thing is probably just finding the lowest monthly rate while staying within the legal “green zone”. Certainly this is a fine approach to take, but what happens if you damage your fancy new wheels then, eh?  Unless you have some type of collision coverage you’re going to need to handle repairs, towing, and more completely out of your own pocket. This is why it’s always considered a good idea to take a long, hard look at all of your options before actually deciding to purchase any policy.  Moreover, contrast and compare anything and everything you can get your hands on as well.

For an insurance company to be considered the “best” of course they must offer you something that actually suits your needs and budget.  Naturally, this is a tough thing to nail down without having direct access to your personal history and driving record, etc. Depending on your exact circumstances, one provider might offer excellent incentives over another with an ever lower standard rate.  Quite simply, it’s impossible to tell what the end result will be without examining lots of details, including what you actually drive. says you need to do all your homework, write everything down and keep immaculate notes. This will allow you to make accurate comparisons later.  Also, try to actually speak with a representative if possible (via phone or online chat) and get as much detailed quote information as they can provide.

About Minimum Coverage

First off, there are the state legal minimums to consider, which require all drivers to purchase ten thousand dollars of both personal injury liability coverage as well as the same for property damage.  All this really does is keep you in the clear and out of harms way should an unfortunate incident occur and you have to defend yourself against someone suing you, etc. Even though there are “no-fault” laws in place in Florida (which are meant to protect drivers from serial litigators and so forth) it is possible that someone might still try to sue you should some particularly terrible accident take place.  While this is unlikely, it highlights the need for additional coverage, assuming you can afford it, that is. 

Your Coverage Needs Will Determine What Company is Best

Again, ultimately your coverage needs will determine which Florida car insurance company, like this, is best-suited to handle you as a customer.  Those with the funds might want personal injury protection or any other number of other policy additions which might lend additional peace of mind.

How to Find the Cheapest Renters Insurance in Florida

Searching for the cheapest renters insurance in Florida from a website is nowhere near as simple or as straightforward as most people would like.

Sure, you are going to find that there are an almost unlimited amount of options out there in the Florida renters insurance marketplace – but most of them are priced wildly out of your budget, or cannot offered to the level of insurance protection or comprehensive coverage that you had been hoping for.

Thankfully, by using the three tips and tricks included below you should have no trouble finding who has the cheapest renters insurance in Florida. Just spend a bit of time applying the tips, focus on working with professionals and only professionals, and use your common sense – and everything else will just fall into place!

Ask your Neighbors

One of the easiest ways to find the cheapest renters insurance in Florida is to ask your neighbors what they are doing for cheap renters insurance.

More often than not, they are going to be able to point you in the right direction when it comes time to secure this type of insurance without threatening to break your bank account. This is especially true if they are already living in the same building that you are – or at least in the same area so that the rates should be too terribly much different.

Frequently your neighbors are going to be your best resource for finding the cheapest renters insurance in Florida, and all you have to do to take advantage of this inside information is simply ask!

Shop Around

The second thing that you are going to want to do is to shop around for different services that offer cheap renters insurance, not being shy about letting them know that you are pitting them against their competitors.

This is going to do two things for you, both of them helping you to find the cheapest renters insurance in Florida.

On the one hand, as these Florida insurance agents are going to know that you are serious about purchasing this kind of coverage – and won’t think that you are a tire kicker. This is going to motivate them to give you their very best pitch, and do just about anything they can to win your business.

On the other hand, you are letting them know upfront that you will only choose the one that offers the best coverage at the best prices. Going online is the fastest way to find out who offers the cheap Florida renters insurance like this and who does not!

Play Hardball when it Comes Time to Negotiate

The last piece of the puzzle, so to speak, is making sure that you play hardball when it comes time to negotiate your rates. Understand that like everything else in life the rates of your insurance are negotiable, and do not sign on the dotted line or pay a single penny until you have exactly the coverage that you have been looking for – at a price that you are happy with it!

6 reasons you need homeowners insurance in Florida

Most of us won’t think twice about insuring a new car or applying for health insurance for ourselves and our families. But what about homeowners insurance in Florida? Your home is almost certainly the greatest investment you have. It’s probably also your only investment that is filled with both your treasured possessions and your loved ones.

With tornados frequently lashing the American coastline and severe climate changes making wildfires more prevalent than ever, can you really afford not to invest in homeowner’s insurance? A meagre monthly payment now may be the only thing keeping you and your family from homelessness later, should disaster strike. Read on to learn more about why you need homeowners insurance in Florida.

Here are six reasons to invest in Florida Homeowners Insurance today:

1) Severe weather conditions

According to the NAIC (National Association of Insurance Commissioners) President, a recent survey found that an estimated 80% of the nation has experienced violent weather events over the past six years. In 2011, weather related disasters incurred a damage bill in excess of $43 billion. Whether or not you live in an area prone to hurricanes or other natural disasters, it’s important to be prepared.  If you have an existing homeowner’s insurance policy, make sure you’re aware of what it does and doesn’t cover. According to hurricane insurance in Florida is really important.

2) Liability

Believe it or not, you’re responsible for accidents or loss of property that occur on your property, whether you’re present or not. Imagine your teenage daughter has friends over while you’re out of town. One of those friends has been drinking and falls over, cracking her head on the stairs. Her wound requires a trip the emergency room and a number of stitches. More than likely, you’ll be expected to foot the medical bill. The same applies if your mail man slips on your front step or your gardener trips over the hose.

Some liability policies go a step further and protect you against accidents that occur outside of your property. For example, if your child accidentally breaks a window at school while playing tennis. Consult your potential FL insurer to find out how comprehensive your policy is and what type of policy would best suit the requirements of your family.

3) Theft

There are few things more frightening than home invasion. One of those things is realising that none of your most valuable possessions are insured. Don’t let this happen to your family! Move on from the trauma of being robbed more quickly by ensuring that your property and possessions are insured.

A word to the wise: in case of burglary or other sustained damages, make sure that you have an up to date home inventory to show your insurers. More than half of insured Americans don’t have an inventory of their possessions. Why? This time consuming process involves photographing your valuables, making a detailed list of them and keeping their receipts in a safe spot. Doing this now may seem tedious but it will save you a world of time and heart ache later.

4) Loss of Use

Suppose the unthinkable happens and severe weather damages (think falling trees or roof damage) your house to the point that you must seek temporary accommodation. A good, standard homeowner’s insurance policy will pay your relocation costs. This means reimbursing you for a hotel stay, meals, and other related expenses until you’re back in your own home. Generally speaking, you can expect your insurance company to pay up to 20% of your coverage price for this. For example, if your house is insured for $100, 000, you will be entitled to approximately $20,000 in loss of use funds.

5) Satisfy mortgage lender conditions

If you’re paying off a mortgage, your mortgage lender may insist that you have homeowner’s insurance. Why? So they can guarantee the safety of their assets. If you do not have your own homeowner’s insurance policy, your lender may insist you settle for forced coverage policy. Do not do this. Not only are these policies incredibly expensive, but they also only cover losses to your mortgage company, without protecting you or your family from hardships.

6) Peace of mind

If the expression “your home is your castle” is true, not investing in home insurance is rather a lot like lowering the drawbridge for all your enemies to storm in. Most hard-working Americans have spent years paying off their houses with demanding 9-to-5 jobs. They deserve to enjoy the fruits of their labors with peace of mind. Home owner’s insurance can provide that, and let you focus on things that really matter, such as your health and your family.

Remember, your home is the largest and most important investment you have. These six reasons you need Florida homeowners insurance from here is just the tip of the iceberg. Don’t put yourself and your family at risk for even a day longer. Talk to a trusted local insurance company today for complete peace of mind.