Homeowner’s Insurance Boynton Beach FL – Best Price, Best Coverage

Attention: Homeowners in Boynton Beach FL (Florida) – The following important information about insuring your home in the Boynton Beach Florida area is available to you on this web page. The information below is all about finding the *best insurance coverage for your family and secondly, how you can obtain insurance for your home in Boynton Beach at the best price. **The most important step to a better insurance policy, coverage and price was discovering this web page. Learn more below about not sacrificing coverage for price…

If Your Looking  For A Homeowner Insurance Quote From Local Boynton Beach Insurance Agency. Find The Best rates and coverage for homes, cars, boats, business, and life. [maxbutton id=”7″]

Or Call Us Today (844) 565-8282

Boynton Beach Homeowners Insurance: Don’t Sacrifice Your Home Insurance Coverage For Price

Better coverage today equals less money out of your pocket tomorrow. There’s nothing worse than having insufficient insurance coverage for your home and having to make a claim. Not having the proper protection coverage for your property can make you personally responsible for 10’s of thousands of dollars.

Shopping for homeowners insurance in the Boynton Beach and Florida can be intimidating, especially if you have never done it before. If you are buying your first home or you’ve owned your home for years, to make sure you get the right policy you should research your insurance options and understand exactly what is covered by your policy. You can use the following ten tips to get the best coverage for your dollar.

#1 – Look into Bundling Policies

If you own a car and a home in Boynton Beach Florida, you may be able to save money on both policies by moving them to the same company. Start by calling the companies that insure your car and your home and asking if they offer a discount for bundling.

If a bundling discount is available, get car and homeowners insurance quotes from each company and choose the coverage that gives you the best price. Be sure the coverage and liability limits are the same for each quote, so you are comparing apples to apples.

The above tip might require some time, but the savings can be tremendous. But what if you could have a local Boynton Beach agent do this for you? *To learn more about scroll to the bottom this page.

#2 – Know What is Covered

Homeowners insurance typically covers the main dwelling and any other structures on the property, i.e. garages, sheds, etc. The policy should also include the contents of the home and provide some protection against liability in the event of an injury.

This tip is an overlooked area in homeowners insurance. Let me show how we can get you the best coverage in Boynton Beach or anywhere in Florida.

#3 – Check the Liability Limits

While your homeowner’s insurance already provides some level of liability coverage, it may not be enough to protect you and your assets. If your liability coverage is insufficient and you get sued, you could end up with significant out-of-pocket costs.

Raising your liability limits is often quite inexpensive, so it pays to check the cost of additional protection. You may be able to get even more liability coverage by taking out an umbrella policy on to your homeowners and automobile policies. *To get one-on-one professional assistance click here

#4 – You Are Not Legally Obligated to Insure Your Home In Boynton Beach – But You Should

If you drive a car, you are legally required to carry automobile insurance. There is no such legal requirement for homeowners insurance, but it is still smart to have this protection in place. Your home is most likely your most valuable asset, so make sure you give it the protection it deserves.

#5 – Raise Your Deductible to Lower Your Premium

One of the easiest ways to lower your homeowner’s insurance premium is to raise the deductible. It is not recommended to file a small homeowners insurance claim, as doing so could raise your rates down the line.

If you can afford it, raising your deductible to $1,000 or even $2,500 can lower your premiums and still protect your home from a catastrophe. You can take the premiums savings and put the money in the bank to fund that higher deductible.

#6 – Check Your Credit Score Ahead of Time

Many homeowners insurance companies, in Boynton Beach and throughout Florida, check your credit score. So it is important to know where you stand. Pull a copy of your credit report and check it for accuracy and ask for a printout of your credit score as well.

If you do find an error on your credit report, notify the reporting agency right away to have it corrected. Your credit score can impact your premiums, so getting an early warning of a credit problem could save you a lot of money on your insurance in Boynton Beach.

#7 – You May Need Additional Flood Insurance

Homeowners insurance typically does not cover damage caused by flooding. If you live in a flood zone area, it is recommended to purchase additional flood insurance to keep your home protected. There are many areas in Boynton Beach Florida that are in a Flood Zone. Our Brightway Insurance Boynton Beach team works with realtors and new homebuyers to make purchasing homeowner’s insurance easy and affordable.

#8 – Your Collectibles and Artwork May Not Be Covered

The typical homeowner’s insurance policy sets coverage limits on collectibles, artwork, fine jewelry and other valuable items. If you have an extensive art collection or a lot of fine jewelry, you may need to purchase additional coverage. *To learn more about protecting all your assets in Boynton Beach click here.

#9 – You Can Save Money by Shopping Around

Shopping around can save you a lot of money, since rates vary widely from company to company. It is worth your time and effort to get rate quotes from every insurance company in your area. At Brightway, my team has access to over 25 + insurance carriers. That’s five times more carriers than most insurance companies in Boynton Beach have to shop. We help you speed up the process of finding the best-priced policy coupled with the best coverage.

#10 – Home Security Systems Can Save You Even More

Installing a modern security system can lower your premium by making a home break-in less likely to occur. If you have a home security system, be sure to let the agent know when requesting a quote. If you are thinking about installing a new or upgraded security system, call your insurance company first and ask about discounts. Insurance companies may offer additional discounts for specific home security models. Crime rate in Boynton Beach and other cities across the state grows each year. The current property crime rate in Boynton Beach is 1-23. To learn more about the property crime rate in Boynton Beach click here. Protecting your family is our number one priority at Brightway Insurance.

Related Articles About Homeowners Insurance and Homeowners Insurance Boynton Beach FL

Do You Have Enough Home Insurance Coverage …

http://www.bankrate.com/ Tue, 08 May 2012 17:00:00 -0700

Your homeowner’s insurance coverage should start with a replacement cost policy that covers the entire expense of replacing your home if there is a loss. You also can opt for what’s sometimes called a “guaranteed” replacement policy that typically includes around 25 percent of additional coverage over the estimated value to replace your home. No matter what type of home insurance you have, there are many ways to adjust your coverage, whether you need to add to your policy to …

Read more …

9 Things Your Homeowner’s Insurance Might Not Cover

http://www.mint.com/blog/ Fri, 17 May 2013 11:33:34 -0700

BrightNest is a free site that provides tools and tips to homeowners to help them save money, get organized and keep their homes in great shape. Sign up for a free BrightNest account today! With homeowners insurance (or …

Read more …

Exotic Pets and Home Insurance | Zillow Blog

http://www.zillow.com/blog/ Wed, 25 Mar 2015 09:06:46 -0700

An exotic pet insurance policy can help protect you if your unusual animal causes harm.

Read more …

Author Image

About Florida Insurance Tips

A Blog offering Tips and helpful navigation to better Insurance coverage in the State of Florida

Leave a Reply