Home How to Find Cheap Florida Homeowners Insurance? April 8, 2019/ By:admin/ No Comments The only way to find cheap Florida homeowners insurance is to shop around and compare all relevant policies. The first thing you should know about homeowners insurance is that all major companies have different policies for the counties where they have a present. It is not likely for a major insurer to not have presence in any of the counties across the state. All zip codes are eligible for homeowners insurance but the policies will vary and so would the coverage and premium. The interesting reality about finding cheap Florida homeowners insurance is that one insurer may have the most affordable policy for a particular county and yet have one of the most expensive policies in another county. You cannot simply go by the general perception about an insurance company and expect to get the best policy for a given zip code. You should also steer clear of any assessment that factors in only the major brands. It is common for homeowners to look no further than the big four or five insurers. This is actually an unwise tactic as you will be missing out on nearly two dozen other options. The quest for cheap Florida homeowners insurance according to https://floridainsurancequotes.net/florida-homeowners-insurance/ should not dilute the importance of an insurer’s track record in terms of complaints and how they settle claims. For instance, Chubb has the least complaints but it has a market share of just over two percent. USAA has a similarly great track record in terms of customer service and claims settlement but has a market share twice that of Chubb. AIG, American Strategic and Frontline Insurance are worthwhile options but the focus is often confined to State Farm, Universal Property, Citizens Property, and Liberty Mutual. State Farm has a market share of nearly seven percent and it has a good track record of settling claims but Gulfstream has an even better history of addressing issues of the insurer while it has only one percent of the market share. Check out Homeowners Choice, Federated National, St. Johns, Tower Hill, Heritage, Peoples Trust, Castle Key which is a subsidiary of Allstate, Florida Peninsula, Security First, United Property, Olympus and American Integrity. Universal Property has a massive market share of early nine percent but it is not the best when it customer satisfaction. Since the coverage of homeowners insurance is a complex issue, it is best to consult with an advisor or expert before choosing a policy. Relevance is the key while shopping for cheap Florida homeowners insurance from https://floridainsurancequotes.net/florida-homeowners-insurance/ . So remember to thoroughly review companies and perhaps consult with an expert before diving into purchasing a policy. Cheaper rates are out there if you know where to look.