Most Floridians know that their house is their family's most valuable asset. These days, many homeowners want to stretch their budgets by finding the cheapest Florida homeowners insurance. Of course, it won't pay to save a few dollars each month on premiums and skimp on coverage. These tips should help local people find Florida home insurance that offers a good value and affordable premium but not always the cheapest price.

What's involved in calculating your home insurance?

How much is your home really worth? When you're looking for home insurance, it can be difficult to determine exactly what to insure and for how much. How do you use a home insurance calculator, and what does it actually reveal? The amount of insurance you should have on your home varies depending on the value of your home, your property, and your assets.

According to the U.S. Census Bureau, about 30 percent of Floridians choose to rent their homes. Many hope to save up money or get established in their careers before buying a house. Others just enjoy the flexibility of a rental lifestyle. The right choice just depends upon the individuals or family involved

Giving or getting an engagement ring is a major life event. Most couples find themselves extremely busy before and after a wedding. This is a time of planning a wedding, a honeymoon, and a new life together. Still, couples need to take the time to protect their investment in wedding jewelry. For most engaged people, this means that they need to make sure that their Florida homeowners insurance or renters insurance covers this expensive and meaningful jewelry.

Buying a house is a big deal, so first of all, congratulations! However, if you’re a new homeowner, or perhaps an experienced homeowner who just hasn’t yet figured out what an escrow statement is, you may be realizing that it’s a hard document to decipher. Never fear: We’re here to help you figure it out. First of all, it’s important to understand that your monthly mortgage payment covers more than the payment on your house. We’ll break down what exactly comes out of the mortgage payment, how your escrow account is used, and what is included in your escrow statement.

Everybody wants cheap premiums. Folks need good values. Many prices have risen lately. It's easy to see why families hope to stretch budgets. Looking for cheaper rates might help. But homes are an average family's most important asset. Owners are welcome to check prices. They should also compare value. The best insurers are around when you need them.

This video highlights just a few of the many Florida homeowners insurance risks that shoppers should keep an eye out for when buying a house.  Spotting and addressing these risks will not only protect your investment, but your family as well.

As a Florida homeowners insurance company, Southern Oak Insurance strives to do everything possible to help customers preserve the value of their property. For local homes, a large part of this effort is spent helping people keep their roofs in good shape. While typical homeowners insurance coverages include insurance for roofs, it is important to find a roofing contractor who offers a good value by providing quality work and a fair price.

In 2002, Florida created Citizens Property Insurance as a non-profit, government entity that would cover high-risk properties that private insurers declined. This property could be homes, businesses, and other types of structures that private insurers deemed too risky. While this coverage is mainly funded by premiums, during times of disasters, fund shortages might be funded by an assessment against most Florida property holders and not just property owners covered by the high-risk insurer. This keeps the cost of high-risk coverage lower, but it costs all Floridians money after a disaster.

In some parts of this state, homeowners insurance is both necessary and expensive. As a Florida homeowners insurance company, the people at Southern Oak would like to let local homeowners know about some practical ways to protect homes and qualify for homeowners insurance credits or discounts. In some cases, these discounts could even be large enough to help pay for improvements over time, and they will certainly be worthwhile if they help prevent damage and high insurance claims.