Hey all, I’m trying to figure out how to get the best home insurance deal here in Crawfordville, FL. What factors should I be looking at to keep costs low? Any recommendations on providers? I’d appreciate any tips you’ve got!
You should definitely look at the age of your house and claims history. Older homes cost more to insure, especially if you’ve made claims before. I bundled mine with my car insurance and saved a bit, FYI.
@Rory
What’s bundling? Sorry, I’m new to this.
No worries! Bundling is when you get multiple policies, like home and auto, with the same insurance company. They usually give you a discount for it.
Ahh got it, thanks! I’ll ask my insurer about that.
Another thing that helps is raising your deductible. It means you’ll pay more out-of-pocket if something happens, but your premium will be lower. Worth it if you don’t expect to make many claims.
Nevin said:
Another thing that helps is raising your deductible. It means you’ll pay more out-of-pocket if something happens, but your premium will be lower. Worth it if you don’t expect to make many claims.
Yeah, I don’t usually have claims. That might work for me, thanks!
For sure, check out different providers. I switched from State Farm to Progressive and saved a bunch. It’s worth shopping around.
Peyton said:
For sure, check out different providers. I switched from State Farm to Progressive and saved a bunch. It’s worth shopping around.
Same here. I found GEICO was way cheaper for the same coverage. Always good to compare.
Watch out for flood risks too, especially in Crawfordville. Standard policies don’t cover floods, so you might need extra coverage.
Hayden said:
Watch out for flood risks too, especially in Crawfordville. Standard policies don’t cover floods, so you might need extra coverage.
Good call, didn’t think of that! I’m gonna check if my area’s at risk.
I also heard having good credit can lower your insurance costs. Anyone else have experience with that?
Zora said:
I also heard having good credit can lower your insurance costs. Anyone else have experience with that?
Yup! My credit score helped knock down my premium by a couple hundred bucks a year. Definitely worth paying attention to.