9 Florida Homeowner Insurance Discounts You’re Probably Not Getting

When did you last ask your agent what a wind mitigation inspection would knock off your premium?

If the answer is never, your bill probably shows it.

Here are the insurance discounts Florida homeowners walk past every renewal.

Note: This is general information, not insurance advice. Check specifics with your insurer or agent.

1. Wind Mitigation Inspection

Florida’s average home premium hit $8,292 in 2025, the highest in the country, per Insurify, an insurance comparison site.

One inspection chips away at that number harder than anything else you can buy for around $100.

A licensed inspector documents your home’s wind-resistant features on a standard form, and Florida law requires insurers to credit the windstorm portion of your premium for what the report finds.

The report typically stays valid for five years.

Ask your agent which inspectors they accept, or line up a free one through the state program further down this list.

Several of the biggest credits on a Florida policy only exist once this report lands in your insurer’s file.

2. Hip Roof Credit

The hip roof discount rewards a roof that slopes on all four sides, with no flat gable ends for wind to push against.

Homes with hip roofs earn one of the largest single credits on the wind mitigation form.

Plenty of Floridians own one and have never told their insurer.

The inspection form generally counts a roof as hip when flat gable sections make up no more than 10% of the perimeter.

If your roof looks like a shallow pyramid from the street, ask about the credit by name.

3. Impact Windows and Shutters

Opening protection credits pay Floridians for impact-rated windows, doors, and hurricane shutters.

The caveat trips people up: Insurers generally want every opening protected, including the skylight and the garage door, before the full credit applies.

Partial protection can still earn a smaller credit with some carriers.

Impact windows also cut your odds of interior water damage, which is where many storm claims grow.

Shutters count even when they spend the summer stacked in the garage.

Keep the product approval paperwork from your installer because the inspector will ask to see it.

4. Roof-to-Wall Straps

Strap credits reward how your roof attaches to your walls.

Toe nails, clips, single wraps, or double wraps: Each step up earns a deeper discount on the windstorm portion of a Florida premium.

Many Florida homes built in recent decades already have clips or straps sitting in the attic.

Newer construction usually scores well here because modern code requires stronger connections.

Nobody gets the credit until an inspector climbs up there and photographs them.

5. My Safe Florida Home

The My Safe Florida Home program, run by the Florida Department of Financial Services (DFS), hands out free wind mitigation inspections.

Qualifying homeowners can also get matching grants of $2 for every $1 they spend on hardening projects, up to $10,000.

The current grant cycle covers only low- and moderate-income homeowners, so check the income rules for your county before applying.

Grants pay for upgrades like opening protection and stronger roof connections, the same features the credits above reward.

Even the free inspection alone can surface credits you already deserve.

6. Newer Roof Credit

Roof credits stack up fast after a replacement.

A roof covering installed to the modern statewide code earns wind mitigation credit, and adding a sealed roof deck or secondary water barrier during the job can earn more.

Insurers price roof age into every Florida quote, so a new roof often changes the whole premium, not just one line.

The report matters at sale time too because buyers and their agents ask for it.

Schedule a fresh wind mitigation inspection the month the shingles go on.

7. Alarm and Security Discounts

Alarm discounts reward monitored burglar and fire systems, and some Florida filings run higher than most states allow.

Credits range from a couple of percent up to 20% with some carriers, per Insurify.

The discount usually requires a system that reports to a monitoring center, so a doorbell camera alone won't cut it.

Some carriers extend similar credits to water leak sensors and whole-home generators, so list everything you own when you ask.

Send your insurer the monitoring certificate because nobody applies this credit automatically.

8. Claims-Free Discount

Claims-free discounts reward Florida homeowners who haven't filed a claim in roughly three to five years.

Savings often run from 5% to 20%, per U.S. News.

The caveat cuts the other way: One small claim can cost you more in lost discount than the payout covers.

Before filing for a $2,000 repair, run the math on both sides.

Some carriers also offer a deductible that shrinks with each claim-free year, and that perk stacks on top of the discount.

Ask what your carrier counts as a claim, too, because even a closed, unpaid claim sometimes lingers in the record.

9. Bundling Home and Auto

Bundling discounts pay Floridians for keeping their home and auto policies with one carrier.

Savings typically run from 5% to 25% depending on the company, per Insurance.com.

Florida's auto premiums rank among the country's highest, too, so that percentage comes off a big number on both policies.