Homeowners insurance for North Florida property is very important and should be considered before the purchase of your dream home. With the recent upward trend in hurricanes, insurance rates are on the rise. Some insurance companies use your credit report to determine whether they will insure you, and if so, at what rate. The Insurance Information Institute says that you should get a record of home insurance claims you have filed. The better your report, the better chance you will have at acquiring reasonably priced insurance.  Homeowners insurance should be considered now, not as an afterthought when buying property Jacksonville Florida.