How To Ensure Your FL Homeowners Insurance Rates Cover Needed Repairs

While FL homeowners insurance rates have stayed the same or risen, the insurance industry has been reaping big rewards from the lack of hurricanes that have hit the Sunshine State in the last decade. Insurance companies price big risks into their calculations for payouts, and when those risks don’t materialize, they don’t refund your premiums, they keep the difference. That doesn’t mean that you won’t have any trouble collecting on an insurance payout in the future, either. Insurance companies don’t have a memory of the past, only a projection for the future. They aren’t more lenient with claims when times are good for them. If you haven’t shopped for homeowners insurance lately then head over to now and get a free quote. You’re probably going to save a ton on your monthly mortgage payment.

Straightforward Claims Don’t Require Negotiation

Most insurance companies are very good about paying claims that are straightforward, and not subject to dispute. It’s part of their business model, and disputing every claim with the insured would just add costs to their bottom line. In situations where there is a gray area, insurance companies can become less forthcoming with payments, and policyholders would be smart to know their rights, and to read the fine print on their policies carefully to make sure they get everything coming to them if there’s a claim followed by a dispute.


When your house has suffered damage that’s eligible for a claim against your homeowner’s insurance, it’s not wise to simply rely on your insurance company to accurately assess the damage to your home and cut you a check for that amount. If your roof is damaged in a storm, and you file a claim, the insurance company isn’t going to fix the roof, and if their estimate of the cost of repairs doesn’t cover the cost of hiring a competent contractor to do the work, you might find yourself on the hook for the difference.

Get Your Own Estimates To Ensure Appropriate Payouts

FL homeowners insurance rates are plenty high enough to cover the costs of hiring FL contractors to do the work necessary to repair your home in the event of an accident, so there’s no reason for homeowners to settle for partial payment on insured repairs. Consider getting estimates from competent contractors in your area while you wait for your insurance adjuster to come back with a number. If you find a contractor you like that can do the work for less, you’ll probably be able to pocket the difference. If you have more than one quotation for the work, and all of them are for more than the number your insurance adjuster offers, you’ll have the verbal ammunition you’ll need to dispute the claim right then and there.

Insurance Adjusters Have Limited Tools At Their Disposal

Insurance adjusters aren’t always trying to pull a fast one when they offer you less than the cost of a covered repair. They rely on their own cursory inspection, and on estimating software that might not be entirely up to date, while a contractor has to make a much more detailed inspection and has to be willing to do the actual work for the price he offers, so it’s more likely to be correct.

What You Should Know About Auto Insurance in Florida

When it comes to choosing auto insurance, there are several things that you should keep in mind.  If you want to make sure that you choose a plan that will satisfy the requirements for Florida, while still managing to fit in your current budget then visit for a quote.

The Basics

When choosing auto insurance, there are several terms that you will need to understand, including deductible, premium, and limits.  These are the basics of every auto insurance Florida policy, and understanding exactly what they mean will help you choose a policy that best suits your needs.


The deductible is the amount you will be required to pay out of your own pocket before the insurance coverages actually kick in.  The amount of the deductible varies from policy to policy, so you will need to make sure that you read the information carefully.  Some policies may have no deductible, but these policies are considerably more expensive than those with deductibles.  The most common amounts for deductibles are $500, $1,000, or $5,000.

It is important to remember that the higher deductible amount you choose, the lower your monthly payments will be.  However, if you choose a higher deductible, you need to make sure that you will be able to come up with that amount if you are ever in an accident.  If you do not have access to funds that will cover a high deductible amount, you should consider opting for a lower deductible with higher monthly payments.


The premium of an auto insurance Florida policy refers to the total cost of the policy.  These amounts vary depending on risk factors, age, vehicle type and age, and your previous driving history.  Risk factors play a key role in insurance premiums, and the following are just a few of the things that can increase an insurance premium:

  • Unmarried drivers
  • Male drivers
  • Lapsed coverage between policies
  • Drivers with numerous traffic violations
  • DWI and DUI convictions
  • Young drivers

Most auto insurance policies allow you to choose to pay your premium either in full, or by making monthly payments.  Keep in mind, however, that paying a monthly payment often results in paying more for your insurance policy than you would if you opt to pay the premium in full.


Auto insurance Florida laws require specific limits for drivers.  These include a minimum of $10,000 in personal injury coverage, and $10,000 in property damage liability.  Personal injury coverages cover any injuries you may receive due to an automobile accident, regardless of whether the accident was your fault or someone else’s.  These coverages also cover other passengers in your vehicle, up to the limits set by your policy.

Property damage liability covers any damages to someone else’s property that are caused by you or someone driving your vehicle.  For example, if you run off the road and tear out your neighbor’s fence, this coverage will pay for the damages.

Many policies also allow you to opt for bodily injury liability insurance.  This option is also for a specific limit, and pays for serious bodily injuries or death that you cause during an at-fault accident.

While you can choose to go with the lowest requirements set by law, you should understand that these limits are generally not sufficient to cover the actual cost of injuries or damages that result from an accident, so you may want to opt for higher coverage amounts.

Once you understand the basics of automobile insurance Florida, you will be able to choose a plan that meets your needs, without blowing your budget.

Get Health Insurance in Florida for Less

Health insurance is a necessary component of everyday life. It’s there for us when the unthinkable happens. However, it’s also important when minor nuisances like migraines, stomach flues and toothaches act up too. Nowadays, it’s actually a legal requirement that you have health insurance. While this was meant to help lower premiums, many have found that health insurance in Florida still remains expensive. Fortunately, there are steps you can take to lower how much you pay.

Start with What You Need

First, get clear on what you need. If you have health insurance right now, visit your doctor for a recommendation. Otherwise, seek out information that covers this important topic. Otherwise, it will be like buying a car with bells and whistles you’ll never use.

Another good tactic is to question any coverage a health provider recommends. Make sure they explain why this coverage is necessary for you and then use your best judgment.

Consider Multiple Carriers

Don’t go with the first result in your search engine or the one with the best commercials. If you want affordable health insurance in Florida, you’re going to need to shop around somewhere like Think again about buying a car. You’d never show up to the closest lot and just pay for the first car you see, right? Of course not. You’d go to other lots, see what they have to offer and then play options off one another.

Plus, this is another great way to make sure you only pay for necessary coverage. You’ll find discrepancies between what different carriers recommend. So it makes sense to ask each one why their policy makes more sense than another.

Don’t Forget About the Little Guy

Along these same lines, there are countless carriers in Florida that deserve considerations. Some of them are the mom and pop shop versions of insurance companies. Just because they’re smaller, though, doesn’t mean they should be considered any less valid. In fact, these smaller companies are often the ones that will provide you policies based on your specific needs at a competitive price.

Get Healthier

We could all stand to get healthier, but most of us put it off for another day. Well if you’re in the market for health insurance, now you have one more incentive. Better health will always equal more affordable health insurance. Take this opportunity to join the gym, quit your smoking habit, lower that blood pressure, etc. Most carriers will even explain to you what kinds of steps you could take to secure a lower rate.

Do Your Research

You should never take a salesman at their word and the same goes for health insurance providers in Florida. Always look up customer satisfaction ratings for each provider in Florida. Otherwise you run the risk of getting an affordable policy that will cost you in other ways down the line.

Just because you need insurance doesn’t mean it needs to be expensive. By following the above guidelines, you’ll be able to secure coverage that will keep you safe and healthy while protecting your bank account too.