Using the Buyers Guide
Buy The GuideDon't miss out on affordable Florida homeowners insurance quotes that can give you huge savings.
Use our service to find low cost Florida home insurance quickly.
Home Insurance Buyers Guide, LLC is an independent consumer organization designed to help you save money on Florida homeowners insurance quotes.
Read Florida news media coverage about us.
Our on-line buyers guide database helps you find, screen, and contact the hidden network of homeowners insurance companies in Florida anxious to cover your home.
Watch this live video and see how we can help you find the lowest Florida home insurance rates possible.
Get the lowest cost Florida home insurance quotes using our service because you'll know who the best companies are in your area and how to contact them.
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Save money on homeowners insurance quotes in Florida
We'll show you the number of companies open for business in your county before you subscribe to our service.
You'll end up with more affordable homeowners insurance quotes in Florida because you won't miss out on companies you might not be aware of or those that are not available to you through your current Florida homeowners insurance agent.
The more Florida home insurance quotes you get, the more you will save.
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Don't pick an unstable Florida home insurance company
Over half of all active home insurance companies in Florida lost money during the past twelve months - three companies were taken over by the state because of serious concerns about their financial condition.
If you select the wrong company you are facing a serious risk of long delays and the possibility of not receiving enough money for repairs if your have to file a Florida hurricane claim.
If you have a leaky roof or mold in your house, waiting for your claim to be paid is simply unacceptable.
Our service provides you with a Buyers Guide Rating© for homeowners insurance companies in Florida on a "1-10" scale.
This rating system considers the financial stability, industry experience, risk diversification, and customer service history of each company.
Florida homeowners insurance company ratings in our guide range from a low of "4.8" to a high of "9.2".
The three companies that failed during the past twelve months had an average Buyers Guide Rating© of "5.7" on a scale of "1-10" before we deleted them from our system.
Use our Buyers Guide Rating© System to eliminate thinly capitalized, Florida home homeowners insurance companies from consideration.
These companies will be easy for you to spot because they will be the lowest ranked companies in our database. You'll be able to weed them out and focus on the companies with the best chance of being around after the next Florida hurricane.
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Get Florida homeowners insurance quotes quickly
You'll save time using our service because we've done all the hard work for you. You won't spend hours of your time making phone calls or visiting confusing websites.
Find the companies quickly, then use our Buyers Guide Rating© to get rid of the riskiest companies.
Then eliminate the companies that won't cover your home based on its age and distance from the coast by referring to the underwriting guidelines we provide.
Finally, contact an agent for each company using our Florida home insurance agent locators. Find, screen, and contact the companies in just minutes!
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Florida home insurance quotes from the newest companies
As soon as the newest companies in the market start writing new business, you'll be able to find them in our database.
You'll find them fast so that you can get in on the action before they sell out all of their new policies in your area.
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Older Florida Home Insurance Quotes
Find the companies that will cover homes built in 1994 or earlier using our service.
If you fail to contact even one of these companies you will pay too much for older Florida home insurance.
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Coastal Florida Home Insurance Quotes
Find companies that cover Florida coastal homes and those in the Citizens Wind Pool.
Get affordable homeowners insurance for Florida coastal homes.
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Florida home, condo, or dwelling fire insurance companies
You chose whether to search for Florida homeowners, condominium unit owners, or dwelling fire insurance companies when you subscribe to our service.
You'll get two weeks on-line access to the Florida County of your choice for only $19.99 - enough time for you to fully research Florida homeowners insurance rates.
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Don't trip over pennies on your way to saving big money
If you've been paying attention to the property insurance market in Florida, you know that $19.99 is nothing compared to what you can save on low cost Florida homeowners insurance quotes.
Plus you'll save time because we've done all the research for you.
Don't let a small investment stop you from saving big on Florida home insurance rates.
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There's not enough Florida home insurance to go around
Not everyone seeking low cost Florida home insurance quotes will be successful. Many companies are placing strict limitations on zip codes and will limit the number of policies that will be for sale in your area.
Act now for your best chance at huge savings on Florida home insurance quotes!
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How to Purchase and Use the Buyers Guide to get affordable Florida home insurance quotes
Watch a live demo and find out how to get the lowest Florida homeowners insurance quotes using our service.
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You will receive an email with a validation code for activating your membership.
(Note: If you are requiring incoming emails to your account to be approved in advance by you, please allow mail from email addresses that end with "homeinsurancebuyers.org". If you do not receive the email with the validation instructions, please check in your trash or bulk email folders before contacting customer support.)
After you enter your validation code, click on the "place order" link from the member home screen to purchase access to the buyers guide.
The buyers guide costs just $19.99 for a two week on-line subscription to the Florida county of your choice.
It can be purchased using a Master Card, Visa, or Discover credit card. You can also use debit cards with a Visa or Master Card logo. If you need help using your credit or debit card please contact customer support.
Make sure the zip code you enter for your credit card to purchase access to the guide matches the zip code on your credit card billing statement.
You will receive an email confirming your purchase. Please note that you are purchasing two weeks access to our on-line database, not a hard copy of the buyers guide. You will not receive a printed copy of the buyers guide in the mail.
(Make sure you are using one of the following Internet browsers: Internet Explorer Version 6 or higher/Mozilla Firefox version 2.0 or higher. Macintosh personal computers can be used to access the buyers guide database and generally have better results using the Firefox browser instead of the Safari browser.)
The Florida home insurance buyers guide database is best viewed with the text size on your browser set to "medium". If you are using a larger text size, please reset it to "medium" in order to get the best results.
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Log in to the member home page again using your username and password.
From the member home page you can:
- Search for Florida homeowners insurance companies writing new business in the counties you have purchased on an unlimted basis for two full weeks.
- See your purchase history and the date when your database access expires.
- Contact customer support.
- Place additional orders to view data in other Florida counties up to a maxiumum of three.
- Submit a testimonial about your results finding Florida home insurance with the Home Insurance Buyers Guide.
- Submit three competitive Florida homeowner insurance quotes and receive a coupon code good for 20% off your next purchase of the Buyers Guide.
- Submit a data correction if you learn new information that does not agree with the data in the Buyers Guide database.
- Submit and share market intelligence for the benefit of all Florida homeowner insurance consumers.
- Rate your satisfaction with your present Florida homeowner insurance company.
- Leave us feedback on your success in finding private Florida home owner insurance using the Home Insurance Buyers Guide.
Get the guide. Go to top of page.
Follow these instructions to get the most out of your Buyers Guide subscription:
From the member home page:
Click on the "Search Companies" link.
The "Search Companies" page will appear.
Click on the "Instructions" link to show or hide the directions for searching the database.
Click the "down arrow" in the subscriptions section to see the county subscriptions you have purchased.
Select the county you want to search in.
Search within that county for Florida homeowners insurance companies that meet your selection criteria.
Sort your final list of Florida insurance companies alphabetically or by using the Buyers Guide Rating©.
Review each company's Buyers Guide Rating© and use it to create a short list of Florida insurance companies to consider.
Click the name of each Florida homeowner insurance company to see additional contact information, how to get a quote from that company, and to review its underwriting guidelines.
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Look at each company's underwriting guidelines. If their guidelines exclude your home due to its age or type of construction, eliminate that company from your short list.
Using your list of finalists, decide which Florida homeowner insurance companies you would like to obtain a quote from.
Take action by clicking each company's method for helping you locate an agent who represents them. This could be a company agent locator or toll-free number. This could also be contact information we have supplied for a specific agent who represents that company in your county.
Contact that Florida homeowners insurance agent by phone and speak to the agent live. Don't leave voice messages.
Ask to receive a quote specifically from the company you found in the Home Insurance Buyers Guide.
If that agent won't quote you a policy with that company, go back into the Buyers Guide and locate another Florida home insurance agent who represents that company.
Stay with this process until you have quotes from at least three private Florida homeowners insurance companies.
(Please let us know immediately if any Florida insurance agent shown in the Buyers Guide is unresponsive or does not return your phone calls quickly.)
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Compare Florida homeowner insurance rates for each of the companies you are considering.
Make your final selection and purchase insurance from the agent who provided the winning quote.
Pay for the insurance in full or make the first required installment per the insurance company's policy.
Get a declarations page (summary page) of your policy with all your coverages and limitations.
Important:
- Don't cancel any existing insurance until you have a declarations page with the date that the policy becomes effective.
- Under no circumstances should you ever let your existing policy lapse prior to the start of a new policy. A gap in coverage could make it more difficult or impossible for you to find affordable homeowners insurance in Florida.
Don't throw out any of the Florida homeowners insurance quotes you've received while shopping for insurance.
Get the guide. Go to top of page.
After you have purchased insurance, help other Floridians by logging back into the member home area and:
- Share three competitive Florida home insurance quotes and receive a coupon code for a 20% discount on your next purchase of the Buyers Guide.
- Rate your satisfaction with your experience using the Buyers Guide.
Start shopping immediately to get the most out of the Buyers Guide. You will have unlimited access to the Buyers Guide database for two weeks.
Anytime you finish using the buyers guide to obtain low cost Florida home insurance quotes, use the logout button to end your session - if you exit by closing your browser window and don't log out, you might have to wait up to 30 minutes before the system will let you log in again.
Your user name and password will remain active even after your database access has expired. After you have been with your new Florida homeowners insurance carrier, you will have up to one year to log into our website and rate your satisfaction with your new Florida home owner insurance company.
Cost and satisfaction information will be made available in the Buyers Guide for all subscribers once we have a statistically valid sample to include in the database.
If you have other questions or experience problems when using the guide, submit your request to our customer support department.
Get the guide. Go to top of page.
You can also use debit cards with a Visa or Master Card logo. If you need help using your credit or debit card please contact customer support.
Florida homeowners insurance success stories
"I highly recommend your service to anyone looking for Bradenton homeowners insurance."
Kenneth W. - Bradenton homeowner
"With Clearwater homeowners insurance being so hard to find, this is not the time to fool around. This was a great way for me to get this done fast!"
Kevin F. - Clearwater homeowner
"Have you tried to find Daytona Beach homeowners insurance lately? It is still hard to find. I'm thankful your service helped me find 3 companies."
Cindy W. - Daytona Beach homeowner
"Finally an easy was to find Fort Lauderdale homeowners insurance. Thank you."
Richard G. - Fort Lauderdale homeowner
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"This is the only way to find Jacksonville homeowners insurance fast!"
Steve H. - Jacksonville homeowner
"You would think that Lakeland homeowners insurance would be easier to find. Thankfully, I located your service and took full advantage of it."
Gary K. - Lakeland homeowner
"Don't fool around looking for Melbourne homeowners insurance. This is the only way to find it fast!"
Leonard L. - Melbourne Florida homeowner
"Your service saved me $815 on Palm Beach homeowners insurance. Thank you!"
David S. - West Palm Beach homeowner
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"I'm tired of looking for Sarasota homeowners insurance every single year. I'll be using your service again next year."
Josh B. - Sarasota homeowner
"I'm supposed to be enjoying my retirement in Florida and not stressing out about St. Petersburg homeowners insurance. Thanks for helping me through this mess!"
Richard F. - St. Petersburg homeowner
"This is the only way to find low cost Tampa homeowners insurance."
Julie B. - Tampa homeowner
"I don't know why finding The Villages homeowners insurance is so difficult. Thank you for your help and service."
William R. - The Villages homeowner
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"This is the way to find Titusville homeowners insurance. I appreciate your help."
Eric S. - Titusville homeowner
"This is the easiest way to find West Palm Beach homeowners insurance. Don't tell too many people!"
Thomas C. - West Palm Beach homeowner
"Thank you for your help with my Bradenton homeowners insurance."
David R. - Bradenton homeowner
"I must have been using the wrong agents to find Clearwater home insurance. Thanks for helping me find more options. I needed all of them!"
Jacob N. - Clearwater homeowner
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"Finally some Daytona Beach homeowners insurance I can finally afford. Thank you!"
Katherine M. - Daytona Beach homeowner
"My Fort Lauderdale home insurance company was to say the least on shaky ground. Your service helped me move on to a better company."
Arthur C. - Fort Lauderdale homeowner
"Your service saved me $540 on Fort Myers homeowners insurance."
Gerald P. - Fort Myers homeowner
"While there are a few more companies writing Jacksonville home insurance I was looking for a way to screen these companies. Thank you for your help."
Mark B. - Jacksonville homeowner
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"Thanks for your help with finding good Lakeland home insurance companies."
Patricia H. - Lakeland homeowner
"Your service made it easy for me to find Melbourne home insurance. Thank you!"
Adrian R. - Melbourne homeowner
"I used your service to find Miami homeowners insurance after I saw it featured in the Miami Herald. I'm glad I found it!"
Tony M. - Miami homeowner
"I didn't survive the latest round of Orlando homeowners insurance policy cancellations. But your service bailed me out."
Carol S. - Orlando homeowner
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"Many Palm Beach home insurance companies really struggled responding to Hurricane Wilma. Thanks for giving me a way to sort them out."
David S. - West Palm Beach homeowner
"This is the only way to find the lowest Sarasota home insurance rates."
Josh B. - Sarasota homeowner
"I'm really concerned about the quality of the companies writing St. Petersburg home insurance. Your service helped me to weed out the bad apples."
Deborah H. - St. Petersburg homeowner
"Thanks for helping me find low cost Tampa home insurance."
Austin M. - Tampa homeowner
Get the guide. Go to top of page.
"This is the best way to find The Villages home insurance fast. I appreciate your help"
Jerry F. - The Villages homeowner
"Your service was a big help after I lost my Titusville home insurance."
Frances P. - Titusville homeowner
"Thanks for your great customer service in helping me to find West Palm Beach home insurance. Your help to me was invaluable"
Howard W. - West Palm Beach homeowner
Get the guide. Go to top of page.
You can also use debit cards with a Visa or Master Card logo. If you need help using your credit or debit card please contact customer support.
Florida Insurance Quotes
How many of these companies have you contacted for Florida home insurance quotes?
Get a homeowners insurance quote from all of the companies open in your area. Don't miss even one company!
Find your city below. See how many companies are writing new home insurance business in your county.
Watch a live demo and see how our service will help you get the lowest Florida home insurance quotes.
Customer Support
If you experience any issues purchasing or using the Buyers Guide, please contact customer support.
Read About Us in:
Florida Trend
Florida Today
Palm Beach Post
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Tampa Tribune
Business Week
St. Petersburg Times
Treasure Coast News
Bradenton Herald
The Gainesville Sun
Orlando Weekly
Ocala Star Banner
Polk County Ledger
Testimonials
"After my homeowners insurance in Miami was cancelled by Hartford Fire Insurance Company, your service helped me find 4 new Florida homeowner insurance companies - one of them saved me $3,642!"
Emilio L - Dade County Homeowner
"The Home Insurance Buyers Guide website is where this whole success process began. Until I found your site, I was having no luck obtaining Punta Gorda homeowners insurance quotes on my own. All of the typical online Florida home insurance quote services where not yielding any results."
Garrett K - Punta Gorda Homeowner
"When Auto Owners Insurance Company cancelled my home insurance in Tampa I was very concerned about finding new homeowners insurance in Florida with a good company. Your site made it easy for me to find new Florida insurance in less than 24 hours!"
Constance S - Hillsborough County Homeowner
"Finding home insurance in Southwest Florida has always been a drag. I never thought Cincinnati Insurance Company would drop my home owner insurance in Florida. When they did, you made it easy for me to save over $1,325 on my home insurance in Fort Myers. Thank you!"
Craig H - Lee County Homeowner
"I've always been very satisfied with my United Services Automobile Association Florida homeowners insurance policy with USAA. When they wrote to tell me my Stuart homeowners insurance was being non-renewed, your service gave me 7 options with Florida home insurance companies that were writing new business on the Treasure Coast."
Paul H - Martin County Homeowner
"Your service was a big help to me after Allstate Insurance Florida cancelled my home insurance in Orlando. Everyone in Central Florida should be using your service to find affordable homeowners insurance in Orlando. I'll be spreading the word!"
Scott R - Orange County Homeowner
"After many great years with Florida Farm Bureau Insurance, it was very disappointing to lose my Florida homeowner insurance in Boca Raton. You made it easy to find a Florida home insurance company to replace Farm Bureau Florida with affordable South Florida insurance coverage!"
Mitchell S - Palm Beach County Homeowner
"Your service made it easy to replace Hartford Insurance Company of the Midwest after they cancelled my Florida property insurance in Clearwater. I saved over $1200 with my new Florida home owner insurance company!"
Vicki D - Pinellas County Homeowner
"I really didn't know what to do when Allstate Floridian Insurance Company cancelled my Port St. Lucie Florida homeowners insurance policy. I'd never shopped for homeowners insurance in Florida in over 20 years. Your database makes it easy for anyone to save thousands on affordable Florida home insurance in the Treasure Coast area. Thank you!"
Linda G - St. Lucie County Homeowner
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