Florida Health Insurance: Take Advantage of the Internet’s Price Transparency
Florida health insurance companies are now feeling the effects of the increased price transparency that the Internet brings. Now longer is it a process of days or even weeks to obtain multiple health insurance quotes from top Florida health insurance companies. The simplest and most efficient way to obtain health insurance in Florida is simply to make the top health insurance companies in the state (Golden Rule/United Healthcare, Aetna, and Humana) compete for your business!
If you cringe at the thought of a United Healthcare agent, an Aetna agent, and a Humana agent all clustering around you amongst a swarm of other Florida health insurance agents and trying to push their company’s policy upon you then read on; for health insurance shopping on the Internet has simplified everything. There are numerous Florida health insurance websites that offer Florida health insurance quotes but there are quite a few very important distinctions between the different types.
There are two main types of websites that offer Florida health insurance quotes to Florida health insurance shoppers: Marketing Organizations and Insurance Agencies.
Marketing Organizations do not sell insurance, are not regulated by any insurance department, and generally have no knowledge whatsoever concerning Florida health insurance. However, they can offer consumers a somewhat appealing service. How can they assist in purchasing health insurance?
They act as a middleman between Florida health insurance shoppers and Florida health insurance agents. When Mrs. Smith in Tampa, FL requests a health insurance quote then the marketing company sells her information as a lead to 5 or more Florida insurance agents.
Ignoring the privacy issues and the issue of the qualifications of the health insurance agents that will be purchasing your information there is the larger and more practical issue of do you really want to have 5+ insurance agents aggressively seeking your business?
Imagine that each health insurance agent is taught in their sales training to call you at least 5 times and email you at least 3 times before “giving up” on you as an insurance prospect: that means that you have received 25 phone calls and 15 emails from various insurance agents!America’s Sleep Epidemic: Some Helpful Tips
The second type of website that offers Florida health insurance quotes is the website that is run by an insurance agency (note that it is very important to find only an independent Florida insurance agency – meaning an agency that is not tied to working with only one health insurance company but can show you health insurance quotes from all of the top Florida health insurance companies. This is also why we will ignore the quasi third group of websites that offer Florida health insurance quotes: the health insurance carrier websites themselves. These can be a good service but very time consuming. There is a better way to shop for Florida health insurance. Read on-).
Most independent insurance agency websites offer a feature that will allow you to request Florida health insurance quotes. However, there is a much better way to shop for Florida health insurance! Rather than waiting for your request for health insurance quotes to be filled; look for a website that offers instant and LIVE Florida health insurance quotes from top Florida health insurance companies.
With instant LIVE Florida health insurance quotes you have the best of both worlds: you receive the benefits of competitive pricing by viewing the top Florida health insurance companies quotes side by side (the strong point of the marketing organization website model) as well as personal, expert help (the strong point of the insurance agency website model). Not to mention the added benefit of viewing the health insurance quotes from the different health insurance companies in the same format – enabling easy side by side comparisons of benefits. This allows for a true “apples to apples” comparison.
View up to 20 LIVE Florida health insurance quotes from top Florida health insurance companies like Aetna, Humana and Golden Rule/United Healthcare all in less than 20 seconds! View LIVE Florida health insurance quotes now and take advantage of the Internet’s price transparency!
Florida Homeowners Insurance – Soon Or Else It Will Be Too LateIf you are living in an area like Florida where floods, hurricanes or tornados invade frequently, you have to prepare yourself to face the challenges. Life would be devastatingly tough if you are not prepared.
It is sure you cannot fight the forces of nature but you can protect yourself from economic devastation with homeowners insurance. Homeowners insurance can be a blessing during natural calamities or in time of need.
Here are some tips to buy an affordable homeowners insurance in the Florida State:
Make a search: To find a reputed and affordable Florida homeowners insurance, you should shop around. You are recommended to contact all local brokers or insurance agents to know the different home insurance policies provided by them. Today, many home insurance companies have their own websites; you can browse the net and request for home insurance quote. After collecting the entire information make a comparative study to get the best deal. If you are not sure of the policies you can take help of a reliable agent.
Only home insurance comparison is not enough, you should perform a home insurance rate comparison as well. However, home insurance rates do not differ a lot but some companies do provide discounts. You can get a cheaper home insurance by using these discounts. Some home insurance companies offer discounts to senior citizens. If your age is more than 62 years then you can avail the discount offer. These discounts help you to save 10-15% per year.
Installing your home with modern equipments like burglar alarms, deck-bolt locks, home video camera, fire alarms, carbon monoxide detector and smoke detector can also fetch you a discount.
But do not over bargain homeowners insurance. Always remember that you are living in an area, which is prone to hurricane. Therefore always keep an eye on the various coverage offered by your local home insurance agents.
Florida Homeowners Insurance Coverage
2005 marked a record year for hurricanes in the Atlantic Ocean and Gulf of Mexico, with weather reporters resorting to using the Greek Alphabet to come up with names for hurricanes and tropical storms headed towards the United States. Unfortunately a few of these hurricanes, including Dennis, Katrina and Wilma causes major destruction on both the Atlantic and Gulf of Mexico sides of Florida.
Because Florida is right in the midst of hurricane alley for nearly half the year, finding affordable Homeowners insurance coverage is nearly impossible for most homeowners and sustaining and repaying those Homeowners insurance policies is just as impossible for the actual insurance companies.
For quite some time, in the 1980s and 1990s, many Florida residences were covered by the state run insurance company, called the Residential Joint Underwriting Association. Only recently have large private Homeowners insurance companies, like Allstate, begun taking on homeowners insurance policies in sections of Florida, along the coastlines and in the southern part of the state, where hurricanes are more likely to occur.
Whether going through the state run RJU association or going through a private home insurance agency, there is no question that Homeowners insurance will be extremely expensive anywhere near the coast in Florida. The same home in Ohio may cost three times less to insure than it would on the coast of Florida, simply because of all the added coverage for hurricane season.
Since most basic insurance policies only cover certain natural disasters that could occur anywhere in the country, most often hurricane damage is not included in this policy. For that reason, Florida homeowners have to go about purchasing extra hurricane insurance to make sure their home will be covered in case hit by one of these ocean storms.
A law was recently passed in 2005 in Florida that requires plain language on insurance policies so that homeowners can easily understand the terms of their policy without being confused by the heavy jargon. Before this, many Florida homeowners were left to fend for themselves or to apply for Federal or Florida aid because many did not realize that even hurricane insurance often does not include flood damage.
Of course this can be tricky to distinguish and this is where many homeowners found themselves at a loss. Even if the flooding is caused by a storm surge of rising water from the hurricane, this is not covered by the hurricane because it is not considered damage due to the high winds or rain of the storm, but is instead caused by the ocean waters rising.
If Florida homeowners are in an area that could be considered a storm surge area, usually even up to 25 feet from the ocean, then they need to consider also including flood insurance as a separate clause to their Homeowners insurance. Be sure to discuss with your insurance agent exactly what types of water damage are covered in the hurricane insurance policy and the flood policy to make sure you are covered from all angles when encountering a hurricane.Cheap Medical Insurance, Health Insurance, insurance, Low Cost Health Insurance, Medical Insurance
Currently legislation is in the works that will limit the amount of surcharges that Florida homeowners can be charged to help prevent price gouging because of the area that Floridians live in. If legislation is passed, this will help level out private and public insurance rates for Floridians, making it easier to acquire insurance from year to year even though they live in an extremely high risk area.
If you are a new resident of Florida and have moved to the state between the months of June and November, hurricane season, you may not be able to acquire hurricane insurance for the first season, as many insurance companies put a block on new hurricane insurance policies until after hurricane season is over.
This is to prevent those who may just acquire the insurance temporarily and then get rid of it after hurricane season is over. Before closing on the home, consider adding the current Homeowners policy into the contract on the home to ensure that you will be covered for the first season. If this is not possible, you may be able to find insurance to cover a hurricane but it could cost a pretty penny.
Florida Self Employed Health Insurance
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Florida residents that are self employed and looking for health insurance have a number of options available to them. Be aware that depending upon your health, your age, and other factors unique to your particular situation there is no hard and fast rule as to which option is best for you. However, there are some general guidelines that will help you make the best Florida self employed health insurance decision.
The first Florida health insurance option available to the self employed is to simply apply for an individual health insurance policy. The benefit to applying for an individual health insurance policy is that individual health insurance rates in Florida are very competitive. You can see that first hand by viewing instant Florida health insurance quotes.
The downside to attempting to purchase an individual health insurance policy in the state of Florida is that you must be healthy. According to FL law, a health insurance company can decline your application for an individual health insurance policy based on prior medical history (pre-existing conditions), height and weight restrictions, and other health related criteria.
That means if you have cancer, diabetes, weight problems, or a host of other physical ailments then you will be denied coverage with a Florida individual health insurance policy. (Any unscrupulous agent that tries to tell you other wise is misrepresenting whatever product he or she is trying to sell you as health insurance when in fact it is probably a discount health plan or a health insurance indemnity plan with very limited coverage).
The second Florida health insurance option available to the self employed is to apply for a Florida group health insurance plan. In Florida, any group of 2 employer/employees or more is considered eligible for a Florida small group health insurance. (If it is just you: 1 self employed person functioning as a sole proprietor in the state of Florida then you have a different option open to you – see option 3 below). The benefit to applying for a Florida small group health insurance policy is that that certain health issues that can signal an automatic decline on the individual health insurance side will not signal an automatic decline on the group health insurance side.
The downside to attempting to purchase a group health insurance policy in the state of Florida is that it can be very expensive. Think of it in terms of: the more potentially unhealthy people that the insurance company has to give health insurance to (group health insurance) the higher the premiums will be as opposed to where the insurance company can pick and choose who they will accept for health insurance (individual health insurance).
The third Florida health insurance option available to the self employed is for those that are functioning as a sole proprietor. Florida self employed sole proprietors can apply for a Florida guaranteed issue small group health plan. The Florida guaranteed issue small group health plans has an open enrollment period only during the month of August.
Florida self employed health insurance can be a somewhat tricky area to navigate without the help of a licensed independent Florida health insurance agent. There are also many different ways to save money in taxes – one of which being the ability to deduct your health insurance premiums paid on Schedule C of your tax return against and up to your Schedule C income (Meaning that even if you don’t itemize [Schedule A] you can still deduct your health insurance premiums paid all the way up to your Schedule C income!).
Request help from the Florida self employed health insurance experts (CPA, Certified Financial Planner, and licensed Florida independent insurance agents) by visiting www.RealtimeHealthQuotes.com.
Free Home Insurance Quote – It’s Free And Easy
Shopping online for insurance has sure made things easier for the consumer. The best thing about shopping online is the education that you gain as well as the benefit of rate comparison. The more knowledgeable you are about the product the easier it is to make intelligent comparisons. The home insurance quote is not that difficult if you start your shopping with some basic information. The insurance calculators that you will find online depend on your accuracy when entering the data needed to give you a quote. Homeowner insurance evaluation relies heavily on the square footage calculation of your home. This is your first order of duty when it comes to quote accuracy. You can find the square footage of your home on your original home plans or from a house appraisal. Once you know the square footage then you will need to add all the important upgrades that add significant value to your home. Fireplaces, air conditioning, and finished basements increase the value of your home.
The number of rooms including bathrooms along with outdoor decks and in-ground swimming pools will also add into the overall replacement cost of your home. Replacement cost is a way of evaluating the cost to rebuild your home with like kind and quality of materials. Newer homes generally require a replacement cost policy. The personal property of the dwelling is also covered on a replacement cost basis with this kind of policy. Older homes that have depreciated in value are more suitable for market value policies or policies that settle losses on an actual cash value basis. Actual cash value is the replacement cost value minus depreciation because of age and use. The older homes built in the early 1900’s usually cost much more to rebuild as compared to their market value. The quoting process is very easy. The information that you give is the most important factor. The online insurance calculators will take care of the rest. Check our recommended insurance for more details.