How to Obtain the Best Home Insurance Rates in Jacksonville FL

Whether you’re new to the Jacksonville area or have owned property there for some time, you’ll appreciate getting home insurance at a reasonable cost. Home insurance is a must to protect your valuable investment. There are ways, however, to save on homeowner’s insurance without compromising your coverage. How can you get the best home insurance rates in Jacksonville FL?

Personalize Coverage

Tailor your coverage to meet your specific needs. This includes coverage for your dwelling, personal property, other structures on the grounds and liability coverage. Make sure you have sufficient coverage to replace your home and personal goods in the event of total loss. Your liability coverage should protect you against the risk of lawsuits if someone were to have an accident on your property. Personalizing your policy ensures you’re getting adequate home insurance protection without wasting money on coverage you don’t need or want.

Bundle Policies

Purchase your home and auto (boat, motorcycle, etc.) insurance with the same company. Insurers often offer discounts to consumers who bundle their policies. This lets you benefit from quality coverage at reduced costs.

Choose a Higher Deductible

If you have the financial resources, consider raising your deductible to lower your insurance costs. The higher your deductible, the less you pay on your insurance premium. Before going this route, make sure this option is worth the cost. Your agent can help you determine if the savings on your policy is worth paying more out of pocket in the event of a claim.

Upgrade Home

Upgrading your HVAC, electrical and plumbing systems promotes a safer home environment. This could qualify you for a discount on your home insurance policy. You may even qualify for reduced insurance rates for fortifying your home, i.e. upgrading windows, doors and roof, against the risk of hail and storm damage. Improving your home security can also get you a reduction on insurance costs as it reduces the risk of theft. If your Jacksonville home doesn’t have an alarm system, deadbolts, exterior sensor lights or video camera, adding these security measures could make you eligible for a lower rate on your insurance premium.

Ask for Discounts

Home insurance discounts often vary from one insurer to another. Before signing on the dotted line, ask if you qualify for a discount on your policy. Some companies offer discounts to new homeowners, retirees, long-term customers, homeowners with good credit ratings, homeowners who haven’t filed a claim over a certain amount of time and the list goes on. If you pay your annual premium in full, you can also qualify for a discount on your policy.

These are just a few ways you can obtain the best home insurance rates in Jacksonville FL. With the right insurance agent, they can help you compare what various insurers in your area have to offer so you can get great coverage at excellent prices.

Florida Insurance Experts

For almost 15 years, PBIG has been helping Florida residents by getting them the right coverage at the right price. We are locally owned, have a casual approach, and deliver professional results. Click below to get a no-hassle, free quote from one of our experts.