Homes built with masonry (cement block walls) construction offer significant value. Your home is better protected against hurricane damage, and as a result, homeowners insurance is less.
Check the condition and age of the roof before you purchase a home. A home with an older roof is more susceptible to damage; if it's 15 years or older, finding homeowners insurance can be difficult.
Discounts are available for protecting your home against hurricane-force winds. The state has developed a standard form (1802 Form) that licensed inspectors use to identify if a home qualifies for a wind mitigation discount. Hire an inspector to verify and ensure you receive the 1802 form.
Florida’s coastline is beautiful – and more susceptible to natural disasters. Coastal properties can incur damage from floods or storm surges. As a result, home insurance rates are higher for homes located near or on the beach.
You could pay less for insurance if you buy a home or rent property within 1,000 feet of a fire hydrant and 5 miles of the responding fire station.
The shape of your home’s roof has a lot to do with its ability to withstand strong winds. There are three main shapes of roofs: hip, gable, and flat.
A hip-shaped roof appears like a pyramid. This roof shape can potentially qualify you for premium discounts. Here is why. Hip roofs generally perform better in extreme winds than other roof designs because they have fewer sharp corners, a shallower slope, and a more stable structure. A hip roof can reduce your premium by nearly 32%.
Not all homeowners insurance companies offer the same discounts or use the same criteria to evaluate whether or not a home is eligible for discounts.
The discounts below are available from Security First Insurance Company with approved documentation.
- Policyholders 55+
- Secured Community
- Roof Shape
- Indoor Sprinkler System
- Wind Resistant Home Features
- Central Burglar Alarm, Age of Construction
- Central Fire Alarm