Florida Home Insurance Quotes That Cost You More

You’ve probably used them to get auto, home, and life insurance quotes.  Quote generator websites have existed in many different forms on the Internet to help you get lower prices on many different types of insurance.

While these sites come in many different shapes and sizes, here are the typical steps they use with regards to home insurance.  You enter information about your home including its location, size, age, roof type, construction materials, and other features along with your contact information.  That information is sent by these websites to insurance companies who review your information and decide whether they would like to quote a price to insure your home.

Companies that are interested in covering your home may send their quote information to the quote generator website you originally used or they will contact you either through one of their agents or directly.  Depending on the quote generator website you used, you may receive an email containing a detailed quote, phone calls from insurance agents, or perhaps both.

Outside of Florida in states where there are hundreds of companies to choose from for homeowners insurance, these quote generator websites are usually helpful.  They do the legwork for you and you end up with a lot of cost effective options to choose from.

Obtaining Florida home insurance quotes is an entirely different situation when it comes to using these websites.

For starters, there are only about 40 Florida home insurance companies writing new business, so unlike in other states, you have a lot fewer companies to choose from.  In addition, you should know that these Florida home insurance companies pay the quote generator websites for each lead that is provided to them.  In reality what is happening is that the Florida insurance companies are paying the quote generator websites for the higher search engine rankings their sites have in order to reach more customers.

If you decide to use a Florida home insurance quote generator website, you will have to consider one or more of the following issues when using them.

First, some Florida homeowners insurance companies won’t partner with the quote generator websites at all.  They sell Florida home insurance direct or through an agent network and don’t want to pay the additional fee to a quote website for the cost of the lead.

In addition, there are a large number of quote generator websites out there for each company to use to buy customer leads from.  They have to select only the quote generator websites that bring the most traffic and the largest number of leads to them.  More importantly, this means that none of these companies can afford to be featured on all of the quote generator websites.  If you pick the wrong quote generator website, you might miss out on 10 to 15 companies in your Florida County that want to cover your home.

In each of the above two scenarios, you can run a very high risk of either missing out on a large number of Florida home insurance companies that want to cover your home or getting a lot of the same quotes from a limited number of companies over and over again.  No matter what, Florida home insurance will cost you more.

Missing out on even one company that is interested in covering you home is not a risk that you should take during the Florida home insurance crisis.  Each new Florida home insurance quote that you obtain could save you thousands depending on where you live.

Finally, if you are planning on using a quote generator website to get Florida home insurance quotes, you have to consider the privacy of your personal information.  While most of these websites protect your personal information, using some of them will result in you receiving a high volume of unwanted emails and phone calls from Florida insurance agents with a quote from the exact same company.

During the Florida home insurance crisis, you’ll have a better chance of finding lower cost insurance if you use multiple independent agents who can offer a large number of companies for coverage instead of relying on quote generator websites.  It is essential that you work with at least two independent agents that each represent a large number of Florida home insurance companies for you to choose from.  Because each agent could represent a different group of companies than another agent in the same area, using more than one agent is the best way to make sure you are getting quotes from all the companies writing new business in your area.

The more Florida home insurance quotes you get, the more you will save during the Florida home insurance crisis.


Michael Letcher is a Fortune 500 executive and a licensed CPA.  His on-line buyers guide can help you find an affordable Florida homeowners insurance quote.  Get the secrets to low cost Florida insurance at =>


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