Help for Homeowners
Buy The GuideMost Florida new home buyers won't do any research to find the most affordable Florida home insurance when they purchase a new Florida home.
Instead, they'll call the Florida home insurance agent suggested by their Florida real estate agent and face a 75% risk of overpaying for Florida home insurance.
That's good news for you!
They'll be subsidizing the cost of Florida insurance on your new home - overspending on questionable, no-name companies while you save thousands on your Florida home insurance.
You'll leave the closing on your new Florida home with thousands more in your pocket and a lot more breathing room to make the monthly payments.
Your Florida real estate agent will wonder how you beat the Florida home insurance estimates he gave you for your closing statement.
Only you can decide whether to tell him the secrets that you are about to learn in the next few minutes for finding affordable Florida home insurance for your new home..........
Are you looking for Florida home insurance for a new home?
Would you like to know how hard it is going to be to find Florida homeowners insurance for it before you sign the contract?
Have you been given a good faith estimate of your new Florida home insurance costs by your Florida real estate agent?
Do you want to make sure that you've done all that you can to make sure your costs for Florida home insurance on your new home are as low as possible?
Are you comfortable with the Florida home insurance agent your Florida real estate agent recommended to you, or would you like to get an independent second opinion to make sure your Florida home insurance costs are as low as possible?
Do you want your Florida home insurance company to have a strong record of outstanding claims service and to be around to rebuild your new Florida home after the next major Florida hurricane?
Are there other things you would rather spend money on in your new Florida home besides insurance?
If your answer to any of these questions is yes, it's never been more important to know all the secrets to finding affordable Florida home insurance for a new Florida home.
Let's face it. You are buying a new Florida home at a time when the Florida real estate market is in turmoil:
- Florida home foreclosures are continuing at an alarming rate.
- It's difficult to tell if real estate prices in Florida have hit the bottom.
- Florida property taxes are still sky high despite the 2007 amendment.
- Florida homeowners associations are increasing annual and special assessments on many Florida homes.
- The Florida home insurance market is still in a state of crisis. Citizens Insurance and the Florida Hurricane Catastrophe Fund are both concerned about their ability to borrow in an unfriendly bond market. This shortage of cash threatens the financial health of all Florida home insurance companies and their ability to pay your Florida home insurance claim in the future.
- Last but not least, it's never been more important to find out how difficult it is going to be to find home insurance for your new Florida home - before you sign the purchase contract.
During times like this, how are you supposed to make the right choice when buying Florida home insurance for your new home?
Fortunately, you're just minutes away from all the secrets to affordable Florida home insurance for your new home.
Right now, thousands of new Florida home buyers just like you are taking immediate action to shop their Florida home insurance policy - smart new Florida home buyers who know how to reach the secret network of companies and agents still writing new business - new Florida home buyers who know how to put their insurance out to bid.
These smart new Florida home buyers won't call the Florida home insurance agent recommended by their Florida realtor. Why? Most savvy new Florida home buyers know that it is better to do their own independent research to find the most affordable Florida home insurance policy. That might not happen if you work with a Florida home insurance agent that has been getting referral business from the same Florida real estate agent for years. Studies have shown that 75% of Florida home insurance policyholders are loyal to the same agent. While loyalty to your Florida home insurance agent is commendable, in the current Florida home insurance market it might also give you a 75% chance of overpaying for the Florida home insurance on your new home.
The Florida home insurance market is fragmented. The Florida home insurance agent recommended by your Florida realtor only represents some of the companies who want to cover your new Florida home. If you work with only one Florida home insurance agent you won't get a Florida home insurance quote from each and every Florida home insurance company still writing new business in your county. You will only get Florida home insurance quotes from companies the Florida home insurance agent represents and not all the companies writing new business. Gaining access to the secret network of Florida home insurance companies still writing new business is the only way to be sure that you are getting the lowest price on the Florida home insurance for your new home.
And with the current financial crisis, it's even more important to compare each of these Florida home insurance companies against each other - to find out which ones are financially stronger, have the best customer service, and have the strongest cash flow to survive the next Florida hurricane.
Today's new Florida home buyer simply can't take the chance of relying on one Florida home insurance agent recommended by their Florida realtor. Smart new Florida home buyers are doing their own independent research and subscribing to The Home Insurance Buyers Guide.
Why? Because chasing small scraps of information and only getting quotes from one Florida home insurance agent virtually guarantees that you will overpay for new Florida home insurance.
Who are we and why should you listen to us?
Home Insurance Buyers Guide, LLC is an independent organization founded in 2007 with only one goal - to help new Florida homeowners like you find, screen, and contact all of the Florida home insurance companies still writing new business.
We've been covered by Florida Today, The Palm Beach Post, The St. Petersburg Times, The Sarasota Herald Tribune, The Miami Herald, and the Daytona Beach News Journal. The major wire services carried the launch of our website and our reports on the Florida home insurance marketplace. Finally, our newsletter Florida Homeowner Insurance Alert is widely read across the State of Florida.
Why are we in the news? Because we are the first organization to put all the secrets about new Florida home insurance in one place - where new Florida home insurance buyers like you can use them to save thousands on Florida home insurance.
Before we sold one subscription to our on-line buyers guide, we spent one full year analyzing the Florida home insurance market. Quite frankly, we were astonished by the poor condition it was in:
- Only 39 Florida home insurance companies out of over 500 companies licensed to sell Florida home insurance were writing new business - not exactly a consumer's dream!
- Finding new South Florida home insurance is even more challenging with fewer than 25 companies per county actively writing South Florida home insurance at any point in time.
This lack of competition increases the chances that you will overpay for Florida home insurance on your new home - especially if you limit yourself to the Florida home insurance agent recommended by your Florida realtor.
We were just as disappointed in the research tools we found to help new Florida home buyers pick the right Florida home insurance company:
- Consumer websites featuring Florida home insurance companies that we know are not writing new Florida home insurance business.
- Quote generator websites that sell your most sensitive personal information to Florida home insurance agents who drown you with unwanted phone calls and emails - and give you multiple quotes from the same Florida home insurance company.
- Government websites that promise to help you find Florida home insurance by asking you to fill out long forms but you never hear from them again.
But the most disturbing information our research uncovered was the fact that all Florida home insurance companies are not created equal:
- Some Florida home insurance companies with only $5 million dollars of surplus to pay Florida home insurance claims have the exact same financial ratings as Florida home insurance companies with over $100 million dollars of surplus. Which one do you think will have the cash you need to rebuild your new Florida home after the next hurricane?
- Many Florida home insurance companies have only opened their doors for business during the past three years. Others have been around for a lot longer. Which Florida home insurance company do you want to cover your new Florida home? One that just opened shop or a Florida home insurance company that has processed thousands of Florida hurricane claims?
- Finally, some Florida home insurance companies do a better job at spreading their risk throughout Florida and into other states - while others have concentrated most of their Florida home insurance risk in South Florida. Which Florida home insurance company would you rather have?
With all of this confusing information out there we knew there must be a better way to help new Florida homeowners figure out how to pick the best Florida home insurance company. Our research caused us to develop a Buyers Guide rating© for each company - a simple rating on a scale of "1-10" that ranks each Florida home insurance company against each other so that you can make an informed decision. The worst Florida home insurance company in our database has a Buyers Guide Rating© of 5.2 - the best company has a 9.2 Buyers Guide Rating©. We think that is a difference that you should consider when buying new Florida home insurance.
But the best part of our research revealed some of the most closely guarded secrets of the Florida home insurance industry - things that lead to confusion and make it harder for you to find the best and most affordable new Florida home insurance:
- A typical Florida home insurance agent represents 5 to 10 Florida home insurance companies. If you use the Florida home insurance agent recommended by your Florida realtor, you might miss up to 30 additional companies that want to cover your new Florida home that this agent doesn't represent. That's a risk that any new Florida home buyer shouldn't take.
- Other Florida home insurance agents don't give all new Florida homeowners the same access to all the Florida home insurance companies they represent. How? By making available to you only a handful of the home insurance companies they represent unless you give them your Florida auto and Florida life insurance business.
- Some Florida home insurance companies don't have websites. Others with websites don't have agent locators to help you find a Florida home insurance agent that represents them. If you call them directly, you might be on hold for hours. Our service will help you find Florida home insurance agents for all of the Florida home insurance companies that want to cover your new Florida home.
All of what we learned inspired us to create The Home Insurance Buyers Guide - the hidden path to affordable Florida home insurance when you are purchasing a new Florida home - a unique combination of Florida home insurance companies along with the Florida home insurance agents representing them so that you end up with more insurance quotes on your new Florida home.
We've combined all of our knowledge of the Florida home insurance market in one convenient on-line database to give you the best secrets to affordable Florida home insurance in just minutes. A simple way for you to find and screen all of the Florida home insurance companies who want to cover your new home - before you ever speak to an agent.
But don't take our word for it. Listen to what new Florida home buyers have to say about how our service helped them:
"When I was purchasing my new Florida home in Naples, your guide helped me save over $1,200 off the quote I had received on new Florida home insurance from the insurance agent recommended by my Florida realtor. That was $1,200 I didn't have to bring to the closing table and a $100 savings on my monthly payment."
James K. - Collier County New Home Buyer
"When I bought my new Clearwater Florida home, my Florida real estate agent subscribed to your service on my behalf and helped me find three Florida home insurance companies as an alternative to Citizens Insurance Florida. Thank you!"
Michael M. - Pinellas County New Home Buyer
"This is the only way to shop for new Florida home insurance in Port Ritchey."
David S. - Pasco County New Home Buyer
"Don't buy a new home in Ocala without using this service. I bought a huge wide screen television using what I saved on my new Florida home insurance!"
Karen D. - Marion County New Home Buyer
"After I read about your service in the Sun Sentinel, I was surprised to find out that the Florida home insurance company I was considering was very small and brand new. There was no way I wanted to use that Florida insurance company to cover the new home I was buying in Weston."
Luis P. - Broward County New Home Buyer
"The Florida home insurance quotes presented by my Florida home insurance agent were $843 higher than two good Florida home insurance companies I found in your guide. That's a big savings on new Florida home insurance on Flagler Beach."
Karen J. - Flagler County New Home Buyer
"I was pleasantly surprised when my Miami real estate agent gave me a list of Florida home insurance companies from your guide to consider when I bought my new home. I saved $1,310 on new Florida home insurance and I'll be using that Florida real estate agent again!"
Howard F. - Dade County New Home Buyer
"If you are buying a new home in Jacksonville, this is the only way to find affordable new Florida home insurance."
Richard C. - Duval County New Home Buyer
"I used your service to save $1,400 on new Florida home insurance in Bradenton."
Nancy R. - Manatee County New Home Buyer
"A friend told me I would have to go into Citizens when I bought Florida home insurance on my new home in Homosassa. Thanks to your service, he was wrong."
Steve H. - Citrus County New Home Buyer
These new Florida home buyers didn't get these results by using only one Florida home insurance agent recommended by their Florida realtor. And they didn't save this kind of money from a quick tip on the street. These new home buyers didn't want to risk overspending on new Florida home insurance and took the time to get the facts. They used our service and never left the comfort of their own home or office to do it.
What about you? Are you ready to get all the secrets to new Florida home insurance?
How much money in new Florida home insurance savings are you willing to miss out on if there is even one additional Florida home insurance company that wants to cover you new home that you don't know about?
Do you want to risk your new home by purchasing Florida home insurance from a company that won't be around after the next Florida hurricane?
What would you buy for your new Florida home if you could save $1,000 and come to the closing table with a lot less money? Maybe you could use the savings to buy new furniture or a wide screen TV?
Don't take a chance that you will overpay on new Florida home insurance.
Take action now by subscribing to The Home Insurance Buyers Guide!
In just minutes you'll have two weeks access to our on-line database with all the inside information you need to find new Florida home insurance:
- The names of private Florida home insurance companies still writing new business in your county so that you can get quotes from as many companies as possible and save thousands!
- Access to a real system that helps you screen each Florida home insurance company from best to worst using our Buyers Guide Rating© to help you narrow the field to a "short list" of companies in minutes.
- A list of underwriting guidelines for each Florida home insurance company so you can clearly see which companies want to cover the kind of new Florida home you are buying.
- Contact information for Florida insurance agents representing the companies writing new business on new homes like yours.
The Home Insurance Buyers Guide gives you everything you need to save thousands of dollars on new Florida home insurance - a continuously updated highly accurate database at your fingertips so that you don't have to do endless research to stay on top of a constantly changing market.
As an insider, you'll surprise even your Florida real estate agent with how much you saved on your new Florida home insurance.
You're just minutes away from more companies, more options, and move savings!
But that's not all you'll get........
As a subscriber we'll tell you all the secrets of the new Florida home insurance market in your county:
- Who is writing new business in the Citizen Wind pool near the coast.
- How far away from the coast your new Florida home can be to get coverage.
- The Florida home insurance companies covering the oldest homes.
- Companies that are restricting coverage on Florida wood frame homes.
In just minutes, you'll have all the inside information on new Florida home insurance - data that took us over one year to find.
When you think about it, can you name any other place in Florida where you can get this kind of real time information on new Florida home insurance?
Where else can you find the secrets that will help save you thousands of dollars on new Florida home insurance?
Can you name any other information source that tells you which Florida home insurance companies to pursue and which ones to avoid?
How much time and money on your new Florida home insurance can you save by having this information at your fingertips?
What would you expect to pay for all of this?
If you found even one lower priced Florida home insurance company that you didnt' know about, one additional quote could easily save you $500 on your new Florida home insurance. $500 would buy a nice sound system for your new Florida home. But the buyers guide doesn't cost $500.00.
$250 would make sense considering all the time you won't have to spend shopping for a new Florida home insurance policy. But you won't pay $250 either.
$100 would be a steal if you could beat the good faith estimate of closings costs for new Florida home insurance calculated by your Florida realtor. But the buyers guide costs a lot less than that.
$50 would be a fair price if the guide helped you avoid even one thinly capitalized Florida home insurance company that might fail after the next Florida hurricane. After all if your Florida home insurance company fails, at the very least you will experience a significant delay in getting your claim paid - losing valuable time and the use of your new Florida home while your claim is being processed after the State of Florida takes possession of your failed company.
But you won't pay $50.00 either.
We want to share the secrets to low cost new Florida home insurance at a price that's affordable to all Floridians.
That's why we're making your buyers guide subscription available now for the low introductory price of only $19.99 for access to the Florida County of your choice - much less than you would pay for an auto or electronics consumer guide that can't begin to save you what the buyers guide can on your new Florida home insurance.
Smart new Florida home purchasers like you know that $19.99 is a trivial amount to spend for a service that has the potential to reduce your share of the closing costs on your new Florida home by $1,000 or more - and can save you $19.99 month after month.
Take action now by subscribing to the home insurance buyers guide. You're just minutes away from more options, more quotes, and more savings!
If that's not enough, there's more!
As a subscriber to our community you can:
- Rate your satisfaction at anytime with your new Florida home insurance company.
- Share competitive Florida home insurance quotes with other Floridians.
And we're still not done................
You also get:
- A free subscription to our quarterly eZine - "Florida Homeowners Insurance Alert" emailed to you as it is published. It includes guest columnists written by the best minds working on the Florida Homeowners Insurance Crisis, along with updates on the new Florida home insurance market.
- Privacy - No new Florida home insurance company or agent will contact you. When you are ready to buy new Florida home insurance, you decide whether to make contact with the Florida home insurance agent. No one from the Home Insurance Buyers Guide will contact you.
- Independence - We will not accept any compensation of any kind from Florida home insurance companies or their agents. We help you find, screen, and contact private Florida home insurance companies writing new business. You decide with companies to contact.
When you think about it, what's $19.99 compared to how much you could save on new Florida home insurance?
Let's face it. You simply don't have time to research all of the Florida home insurance companies when you are in the process of buying a new Florida home. Let us do the hard work for you - before your closing date arrives.
After all the effort you've spent finding your new Florida home, nothing would be worse right now than to overpay for new Florida home insurance with a no-name company that might fail.
New Florida home buyers who don't have this information will be on the outside looking in - subsidizing your savings on new Florida home insurance and relying on a Florida home insurance agent who can't possibly present them with all of their new Florida home insurance options.
Don't be left on the outside while everyone else buying a new Florida home saves all the money.
Your just minutes away from all the secrets to affordable, new Florida home insurance - secrets that other new Florida home buyers won't take the time to find out.
Act now, while there are still good Florida home insurance companies to choose from.
Subscribe to The Home Insurance Buyers Guide now while there is still plenty of time until the closing date for your new Florida home.
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