Almost every homeowner in Florida has homeowner’s insurance. If you are financing your home then your mortgage company will insist that you buy homeowner’s insurance, but even if your home is paid for free and clear your house still represents probably your biggest investment and your most valuable asset so you are probably going to want to insure it in any event.
Keep in mind, too, that if you have a mortgage your lender certainly has the right to insist that you pay for homeowner’s insurance, but you are always free to pick and choose the company and the policy that you’re going to pay for.
You can often find the cheapest homeowner’s insurance online here in Florida, but before you simply get online and start comparing policies, it would make sense for you to create a policy first that you can use to make your comparisons.
Without a single policy that you can compare on at least 3 different sites, your “comparisons” really have little value.
So let’s see what we can do to create a policy that is designed from the ground up to save you money each and every month on your homeowner’s...