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How to Save on Homeowners Insurance in Florida

As a homeowner in Florida, you know that having homeowners insurance is important. Not only is it required by law, but it also protects your home and possessions in the event of a hurricane, tropical storm, or some other type of natural disaster.

Homeowners insurance rates in Florida can be expensive, but there are ways to save. In this blog post, we'll discuss some tips on how to get the most affordable homeowners insurance rates in Florida.


1. Know What Coverage You Need

There are three main types of homeowners insurance coverage available in Florida: windstorm, hurricane, and flood. Windstorm coverage protects your home from damage caused by high winds, while hurricane coverage protects your home from damage caused by hurricanes. Flood insurance protects your home from flooding caused by rising waters or storms.

The minimum requirements for homeowners insurance in Florida are as follows: $100,000 for dwelling coverage, $100,000 for personal liability coverage, and $5,000 for medical payments to others. However, it is important to note that these are only the minimum requirements.

Depending on where you live in Florida, you may need one or all of these types of coverage. Talk to a Richard Dean Insurance agent to determine what type of homeowners insurance coverage you need and how much it will cost.

2. Raise Your Deductible

One way to lower your homeowners insurance is to raise your deductible. This means that you will have to pay more out-of-pocket if you need to file a claim, but it can save you money on your premium payments each month. When choosing a deductible amount, be sure to pick an amount that you can afford to pay if you do have to file a claim.

3. Bundle Insurance Policies

Another way to save on homeowners insurance is to bundle your policies with one insurer. Many insurance companies offer discounts if you purchase multiple policies from them, such as auto and homeowners insurance. By bundling your policies, you can save 10% or more on your overall premium costs.

4. Install Safety Devices

Some insurers offer discounts for installing safety devices in your home, such as smoke detectors and burglar alarms. These devices can help protect your home from fire or theft and may entitle you to a discount on your homeowners insurance costs. Be sure to ask your insurer about discounts for safety devices before you have them installed.



In conclusion, there are a number of ways to save on homeowners insurance in Florida, and with these tips in mind, you should be able to get the protection you need at an affordable price.

When it comes to protecting your home and possessions against damage or loss due to natural disasters or other events, it pays to do your research and ask questions before making a purchase decision. Doing so can help you find the right homeowners insurance coverage at a rate you can afford.

Richard Dean Insurance promises to make sure we find the best homeowners insurance rate for you. We have up to 16 different A-rated home insurance companies. You can be confident knowing that we always insure homes through the most financially stable insurance carriers.

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