It was the hurricane Andrew that has really put a stop on the business of home insurance in Florida. This natural calamity has affected the home insurance business in this part of the world like anything. Insurance companies have stopped their operation for offering home insurances. And now only a few registered or leading names are involved in this business. These insurance companies are only offering services to the existing home insurance owners. Before the hurricane, near about 500 companies were involved in this business and after that drastic situation, the number of Florida home insurance company is reduced to just 40. Among these 40 companies, you can find several new faces and names that are yet to get recognized in the market.
So, while all of these chaoses are happening in the market, what a homeowner can do to own the best Florida home insurance policy from these newly emerging service providers. So, it’s always better to look for the home insurance companies that are having all or most of the below mentioned details:
Look for the old companies that are still offering home insurance in Florida. They are surely more experienced in this field and now added enhanced systems in order to jot down better policies as well as process claims.
While looking for such home insurance company in Florida, you have to offer importance to the following factors:
Diversification of risk:
The company’s policy base should be distributed equally with the most counties located in this State. Never opt for such home insurance company that is concentrating on a specific geographical location. If you can find such an insurance company that have an expanded policy base out of the state, then it’s always better for you to buy home insurance in Florida from them. You will get the discounts on the home insurance Florida in case, you stay with same insurer for 3 years & above. Loyalty discount increases more years that you stay put with same insurer. Discounts that you get to remain with the insurer are smaller than what you can gain by changing to other insurance company. To find out which is much better for you is simple. In case, you get & compare the quotes from some other insurers you can see what you will gain and lose by switching. Look at the policy limits each time you make the changes in home, the contents and routinely two times each year. You have to do this not to say but to make sure you have enough of coverage. Other side of coin is you can have much more coverage than it is beneficial. You have to know in case; valuable Persian rug is worth $25,000 that you insured, more and less.
“I am happy in today’s world to be able to compliment someone, not everyone enjoys doing what they do as Lisa did. I am on disability, was in the insurance field years ago in the 70’s and then went into the medical field and finished as a clinical supervisor. I know what I expected of my staff and Lisa exceeded all expectations. We just found your site the other night but I can assure you as our needs come up for different things we WILL be calling ALLIANCE.”D. Clair – Florida
“Felicia was a wonderful agent and helpful at every time. I would highly recommend getting your insurance needs met here.”S. Miller – Jacksonville, FL
You were willing to take this bull by the horns and run with it when no one else was interested. You have no idea how HAPPY I am right now. I have been fighting this battle for over a month and you came through. You diffidently will be my first contact for any future insurance needs and I WILL refer my friends to you.”Dennis A. – Tampa
Alliance and Associates saved me hundreds on my Workers Comp, General Liability, Group Health and Commercial Auto and Insurance needs. Thanks Alliance. I will be recommending you to all my friends.Tory H. – Orlando
My Agent at Alliance and Associates shopped all the Auto and Home Insurance companies to see who gave me the best rate and plan. Alliance’s agents are knowledgeable and very polite. I will put all my insurance’s with Alliance. Thanks for the savings!”John H. – Jacksonville
Alliance and Associates is the place to shop for all your insurance needs. I packaged my home and auto together and saved over $300 a year. My agent shopped around and got me the best rate. I would recommend everyone to use Alliance and Associates for finding the best insurance rates.Mary S. – Tampa, FL
I just saved over $400 on my Homeowners Insurance Florida with Alliance and Associates. My agent was very helpful, got me discounts I did not even know about and shopped all the carriers to make sure I was getting the best deal. Thanks Alliance! I will recommend you to everyone.Joan P. – Orlando, FL
You all have access to the most companies and got us the best price on our coverage.Jay Johnston, Jacksonville, Fl