If you are living in an area like Florida where floods, hurricanes or tornado's invade frequently, you have to prepare yourself to face the challenges. Life would be devastatingly tough if you are not prepared.
Hurricane season in Florida begins June 1st and ends on November 30th. It is sure you cannot fight the forces of nature but you can protect yourself from economic devastation with homeowners insurance. Homeowners insurance can be a blessing during natural calamities or in time of need.
Insurance companies prohibit buyers from purchasing new homeowners’ insurance policies or increasing the limits on their existing policy, if a natural disaster such as a tropical storm or hurricane is imminent, so do not wait until the last minute. If a hurricane watch is issued 24 to 48 hours before the hurricane is expected to make landfall, buying extra insurance or new insurance for your home may be impossible, so make sure you are prepared BEFORE the season begins.
As part of the mortgage loan process in Florida, your mortgage lender may require you to have flood and wind damage insurance on the property that is securing the loan, especially if your home is in a flood zone.
Here are some tips to buy an affordable homeowners insurance in the Florida State:
At S.E. Benchmark we will do the shopping for you. For a free quote, go to www.sebenchmark.com or call 954-371-0010
Home insurance rates do not differ a lot but some companies do provide discounts. You can get a cheaper home insurance by using these discounts. Some home insurance companies offer discounts to senior citizens. If your age is more than 62 years then you can avail the discount offer. These discounts help you to save 10-15% per year.
Installing your home with modern equipment like burglar alarms, deck-bolt locks, home video camera, fire alarms, carbon monoxide detector and smoke detector can also fetch you a discount.
But do not over bargain homeowners insurance. Always remember that you are living in an area, which is prone to hurricane. Therefore always keep an eye on the various coverage offered by your local home insurance agents.