Save on Your Homeowners Insurance in Florida 

Everyone in Florida who owns a home needs the insurance that goes along with it. In fact, you’re buying or building a home right now, you won’t be able to break ground or get that key until you have the insurance for it because banks won’t write you a loan. After all, that’d be a lot of money to borrow when they know your uninsured home could fall apart in the blink of an eye and leave them with nothing. So, needless to say, you have some work to do in terms of finding the best possible value for your money.

Consider Your Home

Homes differ a lot in Florida, if for no other reason than based on where they’re located. Obviously, one located inland up north won’t need the same type of insurance as one standing on the coast of Miami. But it’s very much up to you to figure out what kind of insurance is necessary for your home.

Unfortunately, most insurance companies from will sell you whatever you can. Let’s consider a homeowner, Natascha, in this situation. Homeowners insurance in Florida may be higher than necessary if you don’t do your own research to figure out what you actually need. While it’s better to have more coverage than less, homeowners insurance in Florida could be brutal if you don’t understand what you can say no to.

One good way of figuring out what you actually need is by talking to your neighbors in Florida. You don’t need to know how much they paid, just the type of insurance they bought. When applying for a mortgage, your bank will generally do a good job of laying out what they feel you need to have.

Comparison Shop Out in the Open

Another way to save money on your homeowners insurance in Florida is by comparison shopping. This should seem obvious, of course. But don’t keep the practice to yourself. Let insurers you’re considering know that you’ve been around the block and know what you can get for your money. By doing this, you’ll encourage each to be more reasonable with their assessment, more honest with you about the coverage you need and even lower their price.

Research the Providers You’re Considering

There’s more to good homeowners insurance than the overall price though. You could end up paying just a penny; is that coverage really going to help you, do you think?

One important factor is a company’s ability to actually pay up if something goes wrong. Many Florida insurance companies over leverage themselves, betting on the fact that a large percentage of their clientele won’t all need help at the same time. This gamble could end up hurting you, especially when you consider how tropical storms and other aggressive weather in Florida can destroy homes en masse.

Don’t rush into buying Florida homeowners insurance from before you’ve considered all of the above. The coverage you need doesn’t need to cost an arm and a leg if you know what you’re doing. Keep that in mind while you shop.

Is Florida Motorcycle Insurance Required?

Surprised to know that Florida doesn’t require motorcycle insurance?  Most people are.  Ready to jump on your bike and feel the wind in your face?  You might want to take a step back and look at other things that might be involved.  There seems to be a lot of confusion, even controversy on the issue of motorcycle insurance in the state.  Even though Florida motorcycle insurance from isn’t something you have to have to register your bike, there’s more you should know. 

You Must Show Financial Responsibility

The state of Florida has something called the Financial Responsibility Law.  This means that if you decide not to get insurance you must still be financially responsible for any damages or injuries from an accident.  Again, you do not have to show proof of this when you register your motorcycle in Florida. But if you’re involved in an accident and you have no means to pay for injuries,  you could find yourself in some pretty nasty trouble.

In many cases, failure to keep the proper levels of financial responsibility can end up with you losing your driver’s license, suspension of your registration and costly fees to reinstate both.  You may also be required to prove to the state that you are carrying insurance for up to three years after a violation or involvement in an accident.

Benefits Outweigh The Cost of Florida Motorcycle Insurance

When you consider what you could be in for if you don’t carry Florida motorcycle insurance from, you might be smarter to just get insured.  What if you find yourself the cause of an accident and you can’t pay the other person’s damages?  What if you crash your bike and don’t have the money to get it fixed?  What if  your bike gets stolen?  All of these are important reasons to consider just getting the insurance, even though it’s not required.

There are a lot of things that can help get your motorcycle insurance costs lower.  Things like a safe driving record helps you get lower rates, as does the age and type of bike.  Whether you use your motorcycle as your main mode of transportation or just a little pleasure riding from time to time can also affect your rate.  If you have an anti-theft device, even where you store your bike can make a difference in the costs of your insurance.

Choosing The Right Insurance

If you decide that it makes good sense to get insurance for your motorcycle, you can shop around online to compare rates from several different companies.  Florida motorcycle insurance premiums are usually higher than other areas of the country according to  This is partly due to the fact that there’s no off season for motorcycles in the state.

You may choose to just have liability coverage to cover just what the name implies, your liability for injuries to others or damage to their property.  It will not cover damage to your bike or your own injuries. Of course, as with any vehicle insurance, you can add additional coverage to your policy depending on what you feel you need and can afford. Take the time to comparison shop and find the best policy.

Enjoy the Benefits of Florida Auto Insurance

Your life is hectic with work, family, and friends all pulling you in different directions so it is easy to see how buying or renewing your auto insurance can slip through the tracks.  This is a very expensive mistake though.  When you are caught driving without car insurance, your driving career could be at its end.  It is all not worth it especially when it is convenient and affordable to purchase Florida auto insurance from

Benefits of Online Shopping

Sitting down and meeting with different insurance agents takes up a lot of time so does calling them on the phone to send you over insurance quotes by fax or email.  When you consider that you probably will window shop with three or more agents than that is a lot of time wasted that could be spent with those you care about or finishing up that work project.

With Florida auto insurance shopping, you can just browse the internet looking for the best rates and then make a request for a quote without ever having to talk to a living soul if you don’t want to.  And it all can be done from the comfort of your office desk on your lunch break or your home laptop on a Saturday afternoon.  There are even websites you can find where you just have to type in what you are looking for and the search engine will compile all the data, send out quotes for you and then present you with the best options.

Here are some important things you should know about auto insurance in Florida:

  • Florida is one of only a few no-fault states in the United States. This means that a person injured in an automobile accident does not have to provide evidence that it is the other party’s fault to receive payment for their medical bills. Because of this, you must buy Personal Injury Protection Insurance of at least $10,000 per person. If you have multiple people sharing a vehicle, then ask how much is recommended to take out in the policy.  You always want to make sure you are prepared for anything.
  • In 2008, Florida passed a new law to protect drivers from phony insurance claims. Emotional pain is no longer a viable reason to sue for damages.
  • You will find that Florida has some of the most reasonable rates among all the states and by shopping online you will find even greater discounts.

Update Your Agent on any Changes

Once you select your Florida auto insurance at, it is important that you keep your new agent updated on any changes in your life that could cause changes in your policy. Notify him of the following changes: daily mileage becomes less, you have earned a spotless driving record or you have bought a new car or moved to a new home. A more dependable model of car or living in a quieter, less crowded part of the state could mean even deeper discounts for you. So, grab your cup of coffee and start your research today. Finding auto insurance has never been easier.