There are several ways you can save on homeowners, renters, or condo insurance. Learning about the coverage options we have available is the first step. Let's go over a few of our top suggestions that can help you save money!
Some of these coverage options may not be available based on your policy. Give us a call and we'll help you determine which ones fit your policy.
We offer discounts that are based on the age of the policyholder, using paperless documentation, and the features of your home, rental, or condo.
How well is your home protected from high winds and high-speed projectiles? The better your home is protected, the more you can save!
If the construction of your home or roof meets certain Florida Building Code standards, you may be eligible for a discount.
Roof Deck Attachment
How securely your roof deck is attached to the roof trusses/rafters may qualify you for a discount.
Your home may qualify for a discount based on how securely your roof is attached to the walls of your home. This can vary from simple nails to more complex metal straps that wrap over the trusses.
Secondary Water Resistance
If your home has an additional layer of water resistance to prevent wind-driven rain intrusion, you may qualify for this discount.
Do you have storm shutters and/or impact-rated windows? If so, you may be eligible for this discount. Please note that ALL openings in your home, including all windows, doors and skylights, must be protected in order to receive this credit.
How do I get these discounts?
You can find out how well your home is protected from windstorm damage by obtaining a Windstorm Mitigation Inspection from a licensed inspector.
The inspector will utilize an 1802 Uniform Mitigation Verification Inspection Form to document the wind-resistant features of your home. Once completed, send a copy of the inspection form to your agent to see how much you can save on your homeowners insurance premium.
If a policyholder listed on the policy is age 55 or older, this discount is automatically applied to the premium.
You are eligible for this discount if your community meets at least one of the two following security requirements:
Your subdivision or community has a single entry and is protected by a 24-hour security patrol.
All entrances to the community are protected by 24-hour manned or passkey gates.
Note: Seasonal residents are not eligible for this credit.
If you have a central burglar or central fire alarm, you are eligible for a credit.
Documentation that shows proof of installation is required and could include an installation certificate, monitoring contract, or a letter from the installation/monitoring company.
If you have sprinklers located throughout your home in every room, including closets, you are eligible for this discount. Documentation is required and could include a fire inspection report.
Note: Sprinklers in crawl spaces, attics, garages, screened porches, etc. are not required for full credit.
We offer discounts based on the design of your roof, including the shape, slope, and soffit of the roof.
The shape of your roof significantly impacts its resilience during a windstorm. We offer a discount for Hip roofs, which are roofs that slope upward from all sides of a structure, having no vertical ends.
Roof slope is the measure of the steepness of your roof. To qualify for this discount, an inspection must be performed at the policyholder's expense and the roof must have a high slope.
A soffit is part of the cornice or eave, where the roof meets the walls. If your roof soffit is made of wood, you are eligible for this credit.
Note: Some homes don't have soffits.
You are eligible for this credit if your home has one of these types of siding:
Hardiplank or Hardipanel (cement fibers)
If your home is newly built, you may qualify for a discount.
You may be eligible for a credit if you have a water leak detection device.
Documentation that shows proof of installation is required.
If you elect to have your documents sent to you via email only, you will receive a discount.
In a few easy steps, you can see your insurance estimate.