In Florida, where the risk of hurricanes, flooding, and other natural disasters is high, homeowners can often find ways to lower their insurance premiums by implementing specific features and upgrades in their homes. Understanding what insurance companies value can help you make informed decisions that not only enhance your home’s safety but also make it more attractive to insurers. Whether you are building a new custom home, or looking to renovate – these six tips from experts will help you to protect your home and family, while lowering insurance rates and fortifying your coverage.

1. Hurricane-Resistant Features: One of the most critical considerations in Florida is protecting your home against hurricanes and severe storms. In fact, when you build or renovate in Florida, there are stringent requirements that will help to fortify your home. While many of these standards are required, you can take steps to elevate your protection even further and exceed the codes. Impact-resistant windows are designed to withstand high winds and flying debris, significantly reducing the risk of damage; while reinforced doors can prevent wind from entering the home and causing structural damage. Installing exterior storm shutters can further protect windows during a storm and may lead to discounts on your insurance policy, as their presence makes your home less risky to insure.
2. Roof Type and Condition: When it comes to insurance risk and the associated rates, your roof is one of the most important aspects of your home. Insurers typically favor roofs made of metal, tile, or other materials designed to withstand high winds and heavy rain. However, any roof material that is in good condition and less than 10 years old may qualify for lower rates. The roof must meet or exceed local building codes, and regular inspections and maintenance can further support your case for lower premiums.
3. Home Security and Smart Systems: Investing in home security systems may also encourage insurers to offer lower rates and discounts. Features such as monitored alarm systems indicate that your home is less likely to experience theft, making them a lower risk. Integrating smart home technology can further enhance safety and reduce risk. Devices such as water leak detectors, smart thermostats, and home automation systems that manage risks can lead to additional discounts.
4. Upgraded Electrical and Plumbing Systems: Modern and well-maintained electrical and plumbing systems are less likely to experience failures that can lead to fire or water damage. Key upgrades may include new wiring (as older wiring can pose fire risks) and modern plumbing that is less vulnerable to leaks and water damage. These home renovations and improvements signal to insurers that your home is well-maintained and represents a lower risk.
5. Flood Zone Considerations: 2024 was a difficult year for Gulf Coast homes, as catastrophic flooding affected cities such as Sarasota, Bradenton and St. Petersburg. Homes located in low-risk flood zones were blindsided by the level of flooding, highlighting the need for all area homeowners to protect their homes in the future. Custom home builders have several opportunities to secure flood insurance at a fair rate. For instance, homes built above the Base Flood Elevation (BFE) are often considered a lower risk to insurers. Installing flood vents can help reduce flood-related damage and insurance costs. (Read more about methods to raise the elevation of your home.)
6. Insurance Claims History: Your personal claims history can also influence your rates. A history of few or no claims may lead to lower premiums. However, if your home was affected by Debby, Helene or Milton and a claim was made, repairing or renovating the home to include these features will show insurance companies that you are a responsible homeowner.