Home owner insurance companies take many factors into consideration when coming up with a home owner insurance policy quote. Of course, one of those factors is where the home is located, and since Florida is notorious for experiencing hurricanes, home owner insurance companies are obviously going to take hurricane damage into consideration.
Just because your Florida home is at risk for hurricane damage does not mean you should forgo trying to find an affordable home owner insurance quote. There are steps you can take to better protect your home and its contents before you head out for a home owner insurance quote, and even after you've already gotten a home owner insurance quote or even purchased a home owner insurance policy in Florida.
Check the building code for high wind areas. Many locations that frequently experience strong winds have building codes – "standards," if you will – that are designed to protect homes against winds. If building codes exist in your area, make sure your home is up to par; if it's not, make the necessary changes.
Take a look at your windows and doors. Your windows should be impact resistant, and your doors should all have at least three hinges. Glass doors, such as patio doors, should be impact resistant as well. You should also consider having any garage doors inspected to make sure they are resistant to high winds.
Climb up on the roof. Or have someone do it for you. Either way, your roof must be high wind resistant, and replaced if it's not.
Reorganize your landscaping. You should not have trees too close to any windows or glass doors, nor should you have trees that are not indigenous to Florida. Trees native to Florida are better equipped to handle their natural surroundings.
Taking these preventative measures can help you get a lower home owner insurance quote in Florida, whether you're starting your search or already have a home owner insurance policy.