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Cheap homeowners insurance in South Florida. You may think such a thing doesn’t exist in this state that has been regularly battered by hurricanes in the last few years. But with a little remodeling and a little comparison shopping, you can find cheap homeowners insurance in South Florida. Prepare Your Home One of the keys to cheap homeowners insurance in South Florida is to take advantage of all the insurance discounts that are available to you. For example, you can get discounts for installing: * Hurricane shutters * Impact-resistant windows * Hurricane-rated entry and garage doors * A stronger roof Raise Your Deductibles Another way to lower your homeowners insurance premium is to raise your deductible for perils such as hurricanes. The deductible is the amount of money you pay toward a claim before your insurance company pays. The higher your deductible, the lower your premium. Most insurance companies recommend you set your deductible to at least $500, but if you can afford to raise your deductible to $1,000, you may save as much as 40% on your yearly premium. Shop Around Many South Florida homeowners are finding that their insurance premiums are increasing or that their homeowners insurance isn’t being renewed. Many large insurance companies are not writing new business in South Florida. However, you can find smaller, independent companies that are still accepting business, and offering rates you will find to be astonishingly low. In fact, by comparison shopping for homeowners insurance, you can save thousands of dollars a year. Of course, you also want to be sure that the insurance company you choose is stable and financially sound. You don’t want to choose a company that will be unable to pay your claims should a disaster strike. That's why the best way to shop for homeowners insurance for your South Florida home is to go to an insurance comparison website. On such a website you'll fill out a form with information about your home and your insurance needs. You'll then receive quotes from multiple A-rated companies and you can choose the best one, with the assurance that all the companies you're comparing are sound and stable. Visit http://www.LowerRateQuotes.com/homeowners-insurance.html or click on the following link to get South Florida homeowners insurance quotes from top-rated companies and see how much you can save. You can also get more insurance tips there. The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on homeowners insurance in South Florida.
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