Florida is tied with Arkansas as the third most expensive state for home insurance. Oklahoma and Kansas are the top two, respectively. Florida's average home insurance rate is $3,643 which is nearly $1,338 more than the national average of $2,305 for the coverage
ARE YOU TAKING ADVANTAGE OF WIND MITIGATION CREDITS?
The State of Florida requires insurance companies to offer discounts for protecting your home against damage caused by windstorms. These discounts are known as Wind Mitigation Credits
Florida wind mitigation examines these key safety features:
- Roof Shape
- Roof Bracing of Gable End
- Roof Deck Attachment
- Roof Covering
- Roof-to-Wall Connections
- Secondary Water Resistance
- Doors
- Protection of Openings (windows and other openings)
There are a few cost-effective measures you can take to safeguard your home and reduce your hurricane-wind premium. A few examples would be Installing a new code rated roof, securing your roof with hurricane clips and hurricane protecting your windows, doors and other openings to your home. To qualify for the opening protection credit, all window and openings must be protected by wind impact resistant glass. This also includes a hurricane resistant garage door.
THE SAVINGS
Credits can go up to the maximum savings of 86% off the hurricane/wind premium.
| Insurance Company |
Mitigated Openings |
Mitigated Roof |
Mitigated Roof & Openings |
| All Other Companies | 82 % | 61 % - 74 % | 83 % - 86 % |
| Allstate Insurance Company/Castle Key | 82 % | 61 % - 74 % | 83 % - 86 % |
| Citizens Property Insurance Corporation | 82 % | 61 % - 74 % | 83 % - 86 % |
| St. Johns Insurance Company | 82 % | 61 % - 74 % | 83 % - 86 % |
| State Farm Florida Insurance Company | 61 % - 67 % | 55 % - 63 % | 61 % - 68 % |
| Universal Property and Casualty Insurance Company | 82 % | 61 % - 74 % | 83 % - 86 % |
| USAA Insurance | 82 % | 58 % - 74 % | 81 % - 86 % |
Call us today for your today for your free hurricane mitigation assessment.
CALL US TODAY FOR A FREE ESTIMATE
813-654-ROOF (7663)