Cheap Tampa Homeowners Insurance - Where to Get It

Looking for Tampa homeowners insurance? Want to know where to get cheap insurance with a top company? Here's where...

Tampa Homeowners Insurance

Thanks to a rash of hurricanes in the last few years, some major insurance companies have stopped writing policies in Tampa and other parts of Florida, and rates have skyrocketed.

So how do you find cheap homeowners insurance in a tight market like Tampa?

1. Go to an insurance comparison website - Here you can get homeowners quotes from a number of Tampa insurers so you can compare rates and pick the cheapest one. Some of these sites offer a service where you can talk with an insurance expert online or on the phone and get answers to any questions you may have (see link below.)

2. Increase your deductible - Increasing your deductible to an amount you can afford can save you hundreds of dollars on your insurance premium. In time, the savings from your premiums will more than make up for the difference in your deductible.

3. Consolidate your insurance - Purchasing your homeowners and your auto insurance from the same company can save you 10% to 30% on your overall insurance cost.

4. Install safety and security devices - If you don't already have them, installing deadbolt locks, window locks, security screens, smoke detectors, fire extinguishers, and burglar alarms will get you a good-sized discount on your homeowners insurance.

5. Insure your home, not your land - Make sure you're only insuring your home and your personal possessions and not your land.

6. Ask about discounts - Insurance companies give discounts to non-smokers, retired seniors, people in law enforcement and the military, and for a number of other reasons. Take advantage of all the discounts you can.