Compare the whole policy

The lowest Florida insurance rate is not always the best value.

A meaningful quote comparison uses the same property information and places coverage, deductibles, exclusions and settlement terms beside the premium.

The direct answer

Standardize the quotes before deciding which one costs less.

Two premiums are not comparable when one quote reduces water coverage, changes roof settlement, raises the hurricane deductible or omits an endorsement. Review the complete proposal and policy forms before making a decision.

Educational guidance only. Coverage, pricing and eligibility are determined by the insurer and the issued policy.

Four essential comparisons

Compare what the policy does—not only what it costs.

Coverage A

Compare the estimated rebuilding cost and policy limit—not the home’s purchase price or market value.

Review the guidance Deductibles

Place all-other-perils and hurricane deductibles side by side and convert percentages into actual dollars.

Review the guidance Roof and water

Check roof-loss settlement, water limitations, exclusions and inspection requirements before comparing premiums.

Review the guidance Liability

Make sure home, auto, rental property, boat and umbrella limits work together instead of being selected independently.

Review the guidance

A better review

How John Galt compares Florida options.

01Confirm the application and property details are consistent
02Align dwelling limits, deductibles and requested endorsements
03Identify roof, water, wind and liability differences
04Explain the tradeoffs before requesting a bind

Let us compare your current policy and available options.

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