Insurance rates...easy if you know the trick!

      Skip just gave you great news, your contract was accepted, but now you need to find insurance fast...you could pick up the phone and call and call and call but this could really get old fast. 

     How about we start at Florida's Office of Insurance Regulation new site http://www.floir.com/choices/ ...well it's not really new, but it is newly redone.  The way the site is set up is you have two options--you can "click on" a   $150,000 home that was built before 2001, or a  $300,000 home that is brand new.  Let's say our contract was for an already-built home.  Well, then choose the pre-constructed home example...boom...it takes you to a map of all the Florida counties.  We then choose Escambia and...boom...it shows us a list of  companies and the prices they would all charge for the example home in Escambia county.  You say, "hey, wait!  This doesn't tell me what MY homes' rate will be."  Correct, but it will tell you who is the most expensive and who is the cheapest.  Let's say you were told by your great uncle Fred to stay away from the cheapest companies because they may not be in existence after a major disaster.  So, now you can choose from the middle companies.  Or maybe your budget is tight, and you want the most bang for your buck.  Well, then you only have the first few companies to call.  You can even click the company name and it will open up a contact window with the 800 number, address and their website.  How about that for time saving...

Grace and Peace...