When the worst happens, you want to be sure you have the best insurance coverage possible. Therefore, shopping around for the most comprehensive policy before an incident happens is essential. This way, you can be sure that your insurance company will be there for you in your time of need, helping you to restore your life and get back on track.

When purchasing insurance, here are six things you should keep in mind:

  1. Compare Insurance Providers

To make sure you are getting the best coverage for your family, you should do some research into different insurance companies. Using comparison websites, you can look at different policies and quotes side-by-side to find the one that is the best fit for your family. This way, you can ensure you get the best value for your money.

  1. Ask for Discounts

To make sure you are getting the best possible deal on your family’s insurance, it is important to research all available discounts. Ask your agent to show you all their offers and any potential discounts you may qualify for. The lowest insurance rate may not always offer the best coverage and customer service.

  1. Consider Getting an Agent

Insurance agents are individuals who are contracted to represent a specific insurance provider. They are often referred to as captive agents because they own their businesses and are solely responsible for generating business for their providers. By having an agent, customers can have someone to directly answer their questions and provide more convenient service than dealing directly with the provider.

  1. Don’t Provide False Information

Don’t attempt to mislead your insurance company by providing false information. It could have serious repercussions, such as your policy being canceled and being reported for fraud. Even if you don’t get caught, your premiums could increase substantially, and a claim you make could be denied. Save yourself the trouble, and don’t take the risk.

  1. Know That Coverage Is Not Always Automatic

If you make a large purchase, like a car or structure for your property, you should contact your insurance company within a certain time frame, usually 30 days. This time frame may vary depending on your insurer. The coverage will be automatically transferred to your new purchase, but it will only be temporary unless you inform your insurance company. Speak to your insurance agent or company to find out the exact details of the notification process.

  1. Remember to Re-Evaluate Your Coverage

When major life events occur, such as a move, marriage, or having children, it is important to review your insurance coverage to ensure it meets your new needs. Even if there have been no big changes, it is still worth evaluating your policy each year to ensure it is still providing the right protection for your family. Many resources are available to make finding the best coverage for your situation easier.


Insurance buying is an important financial decision and requires thorough research. Taking the time to consider each of these points carefully can help you make the best decision for your needs and ensure you get the most out of your insurance purchase.

At Diane’s Allstar Insurance in Florida, we are proud to offer our complete lines of life, home, auto, boat, and commercial insurance products. We represent many major insurance companies and offer policies from the highest-rated insurance underwriters in the industry. If you need homeowners insurance in Florida, look no further! Get in touch with us today and let’s talk!