What do you want probably the most regarding your home – the intense, sun-filled kitchen, the shiny wood floors or the comfortable bedrooms? Or is it the truth that your house probably comprises maybe the biggest part – of the total net worth? In either case, you need to protect that which you have, using homeowner’s insurance. However, there were reports a few years ago of upper prices and limited availability for Miami homeowners insurance, the market has exposed again, according to J. Robert Hunter, insurance director for that Consumer Federation of America. Premiums are required to rise by no more than the inflation rate this season, he said. “The market remains a competitive one where homeowners’ insurance shoppers can be selective,” said Marshall McKnight, a spokesman for the state Department of Banking and Insurance. Below are some ways to save money on home insurance: Look around. While many homeowners think that all insurance providers charge exactly the same, that’s a costly mistake. Make use of a service such as ours to compare rate quotes from different companies if YOUR area. To get going, only use the shape around the right. “You will go from one company to a different and pay twice as much,” said Hunter. And do not just call a real estate agent and expect him to complete the shopping for you, Hunter advised, because agents don’t represent all companies and might not enable you to get the best offer. Insure for “replacement cost” rather than “actual cash value.” In the end, if your belongings are destroyed, would you like the insurance company to transmit you enough to purchase a brand new couch – or would you like a $50 check for the particular value of your 11-year-old couch? Be certain that you’re covered for at least 80 percent of the price of replacing your house. If you’re not, it might hurt you if your home need not be completely replaced.