In Florida, the theme of the day is fun-under-the-sun.
However, just like any place with a tropical or subtropical climate, it also has its share of storms and hurricanes.
If you live in the area, you would have been used to the sizzling summer - and the afternoon drizzle.
However, if there's something that people can never get used to, it's the above-average home owner insurance expenses that may be brought by Florida's proximity to the 'storm-zone'.
That was at least the case during the last decade.
The large storms that hit the area made insurance companies wary.
They either moved out or charged altogether higher premiums.
After all, they do have to stay in business, and to be able to give you your due when you file a claim.
To get the best possible home owner insurance quote, you should learn about all the discounts you can take advantage of.
Don't just ask about the explicit multi-policy discounts that you will get, ask about other aspects such as the possibility of a lower premium due to an existing home security system or a 'waterproofing' system - which is something that can be handy in a storm-prone area.
You also need to check on how stable the insurance company is.
A couple of years ago, there has been a trend of Florida insurance companies moving out to do business elsewhere (to places where the weather is more or less predictable and friendlier, at least, to their line of business).
Look up the company's track record.
Note your gut feeling.
Be careful with companies who offer premiums at insanely low prices.
You know what people say about some things being too good to be true.
Of course, it doesn't mean that every good deal is a con; just be careful who you are dealing with.
Home owner insurance is a must in a state such as Florida.
You never know when certain weather conditions can damage your house, not to mention other causes such a fire or vandalism.
When you aren't too sure, it helps to be insured.