Florida Homebuyer's Guide

When looking at houses, certain features will better protect your home and make a big difference in insurance savings.

Florida Homebuyer’s Guide 

The construction or style of your home can impact your insurance premium. Keep these tips in mind when you're shopping for your dream home! 

How the Style and Shape Of Your Home Can Help You Save!
Construction Features
masonry v frame
Masonry vs. Frame Construction
masonry or frame
Masonry vs. Frame Construction

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. 

Roof Condition
Roof Condition
Roof Condition
Roof Condition

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. 

Wind
Wind-Resistant Home Features
weather
Wind-Resistant Home Features

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. 

 

How Where Your House Is Located Leads to Savings!
Location, Location, Location
Paradise
Living in Paradise
Paradise Icon
Living in Paradise

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. 

Fire Station
Proximity to Fire Stations and Hydrants
Location icon
Proximity to Fire Stations and Hydrants

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.