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How I purchased home insurance in Florida

My family just recently moved to Florida and as we were purchasing our home, you guessed it, the bank required us to purchase home insurance in Florida.  Well, being new to the area and not knowing which way to turn and I turned to my trusted “Google”.  What I found was something amazing and super easy.

Shop online for home coverage in FL

There are sites that will actually help you find homeowners insurance like  All you have to do is submit your information one time and you start receiving insurance quotes almost immediately.  How awesome is that?  No searching through the phone book or the local chamber of commerce to find agents.  Just fill out some basic information, hit submit and get quotes.

Now the one thing you need to take into consideration when purchasing Florida home insurance is which policy is best for me and my family.  Every insurance company has their own unique offerings when it comes to homeowners policies.

Some companies will even insure your personal items no matter where they are in the world.  If you are a traveler, says it is a perk that can apply to you. Others may even cover the contents of your freezer in the event of a prolonged power outage.  My mother and her on sale buying habits would definitely benefit from that little perk right there.

The perks you get are not necessarily the best way to choose your FL home insurance.  You really need to study the quotes you receive and compare the policies to make sure you are purchasing the policy that is most relevant to your needs.

Always read the fine print

Florida Insurance Quotes says be sure to read the fine print. My mom used to always say “what the large print giveth, the small print taketh away”.  Nothing could be worse than feeling that your home is completely covered and then having a claim and finding out that it is not.  Do your research and in the end, you should be able to feel at ease with your selection.

There is definitely peace of mind in knowing that your home is covered under a homeowners policy.  While no one really expects to ever have to use it, it’s just nice knowing it’s there if you need it.  It truly is a great method for protecting one of your most valuable investments.  And I know everyone wants to keep a roof over their family’s heads.

What do I need to know about renters insurance in Florida?

Many first time renters have a few questions to ask when it comes to purchasing a policy. It’s best to understand all the ins and outs of your policy. Below are a few frequently asked questions about renters insurance in Florida.

I don’t own that much stuff, should I really purchase a renters policy?

If you don’t own many possessions and think they aren’t worth much then you should reconsider. Stop and think about the costs of repairing all of your electronic devices, clothes, and furniture. Its adding up fast isn’t it? According to, if your rental is home experiences a small fire or a burglary could end up costing you thousands of dollars.

Florida renters insurance can help protect you and your stuff against the unexpected. However, there are some exceptions when it comes to what is and isn’t covered.

Is my computer covered by my policy?

Your computer is one of your most valuable possessions, so if you have renters insurance then you will need to make sure that your protection extends to your computer. However when determining if your computer is covered or not take these factors into account.

Your policy limits – This is the maximum amount of money your insurance company will pay after a covered loss occurs. If your computer is worth more money than the limit on your policy, you will need to consider purchasing additional coverage.

Does your policy offer you with replacement cost coverage or actual cash value? – When it comes to replacement cost value, it may help you out to purchase a new computer. Actual cash value will reimburse you for the amount of money you might reasonably expect if you were to sell the computer at its age and condition.

What else is covered?

Liability coverage can also help protect you if someone is injured in your home and you are found responsible. Liability coverage comes with your renters insurance in FL. Be sure to check your coverage closely in order to learn what protections it offers.

A local agent via can also help you answer your questions about coverage and their limits.

In addition, a policy will also cover personal property protection, liability protection, additional living expenses, and guest medical protection. While a policy is not required, it is strongly recommended that you look into purchasing a policy.

Florida Car Insurance, where are the best deals at?

I’m super excited to say that I just purchased a brand new car!  And not so excited to say that along with it I just purchased a brand new auto insurance policy.  But you know how it goes; you have to do what you have to do.  I was a little intimidated when I first started looking for Florida car insurance.  There are definitely a lot of options out there and I wasn’t sure where to get started.

Start you FL car insurance search online

Like most people in my generation, I turned to the World Wide Web.  There is no better place to go to do research on buying car insurance in Florida.  You can learn so much with just the click of a few buttons.  I learned that the best way to find the best coverage for me was to get quotes from several different companies.  That may sound like a lot of work, but trust me it isn’t.

There are actual websites that help you find the coverage you need and are looking for.  And what is great about these sites is that you only have to submit your information one time and you receive quotes from several different companies.  It really cuts down on the amount of time you have to spend searching.  It’s almost like instead of you searching for insurance; the insurance comes looking for you.

Now, another thing I learned in this process is that not all FL car insurance is the same.  Every company has their way of doing things and their own little perks that go along with the policies. Since I hit the road a lot on my own, I liked that the policy I chose had roadside assistance.

How I chose my policy

While that was a perk I liked, it was not the sole reason that I chose the policy that I did. I did receive three quotes from and I spent time looking over each one.  I chose the policy that had the best coverage limits and the best price from a company that was rated high in customer service by their policyholders.

After all, if my next adventure turns out to end abruptly with an accident, I definitely want to know that the process ahead to get things corrected is going to go as smoothly as possible. And no one knows better what car insurance quotes in Florida from various companies can follow through on that then the people that have been through that process already.