Published at Wednesday, May 30th, 2018 - 02:52:36 AM. Homeowners Insurance. By Durand.
Excerpt from Florida HomeOwners Insurance Coverage - An Understanding You Could Use :
Florida homeowners insurance coverage: The more knowledge you have about anything the more likely you'll know how to take advantage of it. Therefore it's to your advantage if you have a working knowledge of how stuff works in homeowner insurance. By understanding how insurance companies calculate your home insurance rates, you'll be better equipped to get the best price value.
Florida homeowners insurance coverage. If the probability that you'll make a claim is high an insurance company's chances of making a profit reduces by the same factor. Therefore they make you pay a higher rate for your Florida homeowner insurance to protect themselves from loss. An insurance company calculates the percentage and frequency of claims for each profile based on actuary science. If statistics show that out of every 500 policyholders within a given profile A, 5 of them are likely to make a claim within a year, they'll see such a profile as a higher risk than another, B, that has an average of one claim out of every 300 policyholders yearly.
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