Buying Florida
Didier Malagies is a leader in the Tampa Bay Mortgage industry, serving Pinellas, Pasco, Hillsborough counties, and beyond with his sights set on educating residential and commercial buyers regarding Florida purchases. With over 20 years of expertise, Didier has built relationships with realtors, bankers, and clients based on integrity and his drive to provide the best customer experience in the state by being there from beginning to end of every purchase.
Whether you're looking to move, invest, start a business or expand, Didier will share everything you need to know on his show every week.
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Buying Florida
Shop your homeowners insurance annually, let me tell you my experience
Yes — shopping for your homeowners' insurance annually is generally a smart move.
Here’s why:
1. Rates change more than you think.
Insurance companies regularly adjust premiums based on inflation, claims data, weather patterns, and even changes to your credit or risk profile. A company that was the cheapest two years ago might now be in the middle of the pack.
2. Your coverage needs can shift.
If you’ve renovated, added security systems, bought expensive personal items, or paid off your mortgage, you may need to adjust your coverage — and some insurers may reward those updates with lower rates.
3. Loyalty discounts can fade.
While some insurers offer loyalty perks, others quietly raise rates on long-term customers (“price optimization”), counting on you not to shop around.
4. Bundling opportunities change.
If you’ve switched auto or other policies, you might qualify for better bundle discounts elsewhere.
Tips for shopping annually:
Compare at least 3–4 quotes.
Match coverage limits exactly when comparing prices — don’t just look at the premium.
Check both local agents and online marketplaces.
Ask about claim satisfaction and financial stability, not just price.
Reassess your deductibles; a higher deductible can lower your premium.
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