Look for group insurance programs
Some employers, as well as unions and professional associations, offer group insurance programs. These usually provide better coverage for cheaper than you could get on your own. It may even find it's worth joining such an organization to get in on the insurance benefits.
Bundle your policies
Some companies that offer several types of insurance (homeowners, car, life, etc.) will take around 10 percent off your premium when you buy more than one policy from them. Before you buy, though, shop around to make sure the combined price really is lower than if you bought from different companies.
Ask about discounts
Almost all insurance companies offer a variety of discounts for making your home safer and more secure. Installing a burglar alarm system, sprinkler system, or hurricane-proofing your house could bring you a nice discount even on already cheap Florida homeowners insurance. Discounts for seniors are another thing to ask about if you're 55 or better.
Get quotes online
There are dozens of excellent online venues that provide the chance to get quotes on Florida homeowners insurance. Taking advantage of these services will not only save you time, but will also give you a much better selection than you'll find in the phone book.
Don't give up just yet on your hopes of finding cheap homeowners insurance in Florida. Low-cost policies with good coverage are out there and by following the tips above, you'll be able to find them.
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