Florida Wind Insurance Savings Calculator!

This online tool provides homeowners and builders with a general indication of the types of wind insurance savings available from Florida insurance companies for building features that reduce damage during high wind events like hurricanes. This online tool will let you know if a construction feature is worth a 2% or 20% discount.

Click here to visit website and use calculator

Independent Insurance Agent vs. Captive Agent

Captive agents (those who work for the insurance company) provide you guidance and products related to a single companies product.

Independent insurance agents represent multiple companies and can compare pricing and services that best meet your requirements.

You will notice from the price comparison that the lower priced rates were from companies that are typically represented by independent agents.

Homeowners Insurance - Rate Comparison

Shopandcompare.com
Florida Office of Insurance Regulation

Governor Charlie Crist and the Florida Office of Insurance Regulation has created a website that compares homeowners insurance rates.

The comparison is based on a Palm Beach county, 5-year old, Florida concrete block home, with a current replacement value of $150,000, a $500 non-hurricane deductable and a 2% hurricane deductible, and NO WIND mitigation discounts.

Their note: “This is being provided for comparison purposes only to demonstrate the importance of shipping for insurance quotes.”

They compare 26 companies with a wide range of prices. Find out how companies like State Farm, Universal Property, Citizens Property, Allstate, Edison Insurance, Coral Insurance, and Security First Insurance ranked.

A Homeowner Can Save 20% – 70% on their Annual Homeowners Insurance

For a resident currently paying an annual premium of $7,500, the savings can range from $1,500 - $5,250 each and every year.

There are two steps you need to take that are simple and relatively effortless.

1. Mitigation Inspection

• Why do I have to have an inspection?
• What does an inspection cost and what is the guarantee?
• What is the potential savings?
• Who should I contact to obtain an inspection?
• What are the facts on the free inspection program from the state program?

2. Rate Comparison

• What is the potential savings?
• How do the different insurance companies prices compare?
• How is an independent insurance agent different than an insurance company?

Save on Your Homeowners Insurance

Healthy, Wealthy and Wise
Allstate rewards customers who protect their investment. If you protect your home with central burglar and fire alarms, fire extinguishers and/or dead bolts on your exterior doors, then you may qualify for a Protective Device Discount. Extend the life of your home by making renovations to your roof, plumbing, electric, heating or cooling systems and you might receive the Renovated Home Discount. Plus, Allstate offers money-saving discounts to many of our valued customers, including new home buyers and retirees who are 55 years of age or older.

Click on Insurance on the menu on the right and select either Allstate insurance agents

Solutions for the 'ifs" in Life

by Met Life

Find out what kind of life insurance you may want to consider:

• If you say “I do”.
• If you are having a baby
• If you are buying a home
• If you are on a budget
• If you don’t know what you need