Everyone is capable of enjoying the benefits of low home insurance rates in Florida if they are equipped with the correct information and tips. They must also use the tips and not just forget about them after a while. Try out the tips that I have listed below to minimize the cost of your home insurance.1. Fire is one of the main causes of house damage. Therefore, you must try your best to prevent fire from happening to your house. What you can do is to keep away items in your house that can catch fire easily. These inflammable items help in the process of burning and put your house in a high risk of involving in house fire. Trim the bushes around your house as well and keep them at least teen feet away. Your house’s risk of being burnt down by fire will reduce drastically once you start practicing these steps in your daily life.2. Make your house as secured as you can. Fit locks on all the windows and install deadlock bolts on the doors to the exterior. Outfitting alarms to prevent burglary from happening to your house is a great way to help reduce your home insurance rates in Florida too. If your house if fully equipped with all these security equipments, burglars will think twice before breaking in your house, thus reducing your house risk to involve in burglary.3. You will also get cheaper home insurance rates in Florida if there is always someone at home. This is because unattended house tends to attract burglars more than house which is always occupied. Apart from that, if there are people at home, any fire happening in the house will be noticed easily and can be put off quickly.4. Only insure your house for perils that will occur in the place you stay. Although it is important to insure your house against any sorts of possible mishaps, you are wasting your money if you are insuring your house against any natural disaster that has never occurred before in your place. For example, it is unnecessary to have coverage for your house against earthquake if the chances of earthquakes happening at your place are almost zero. Therefore, only buy coverage against perils that have reasonable chances of happening and you can save more on your home insurance rates in Florida.5. Try asking for discounts as well, especially if you are senior citizen. Most insurance companies have discounts for elderly people aged 55 years old and above.