How to Save on Home Insurance

No one likes paying more than their neighbors ?‍?‍?‍? for things especially their insurance.  Home Insurance ? in Florida is consistantly in the top 5 highest premiums in the country every year.


Florida is exposed to many natural disasters ? causing home insurance rates to steadily increase.  The main ones causing the rates to increase are

  • Hurricanes ?
  • Sinkhole Claims ?
  • Brush Fires ?
  • Floods ?
  • Hail ?
  • Strong Rain & Wind Storms ⛈
  • Tornadoes ?

So what can you do?  ?‍♀️

At Discovery Insurance Agency we know which companies have the best rates depending upon the zip code you live in and the year built of your house.  Since we are an Independent Agency it gives us the ability to shop your rate around with over 20+ A Rated carriers insuring you will get the best rate Apples to Apples.

If your home was built prior to 2003 but has a newer roof (2003 or later) there is an inspection called a Wind Mitigation Inspection that you can pay a licensed inspector to complete.  This inspection looks at how the roof is attached to the home.  If it meets certain criteria then you can see substantial savings on your annual premiums.

On the high side we have seen savings over $1k a year and on the low side around $100 a year.  These savings just depend upon where your house is located in FL, how large your house is, and how many of the discounts your home qualified for.

The general Cost of one of these inspections is only around $120 just an fyi.

Another factor this starting to be a major player in the cost of your insurance is your insurance score.  Every insurance company has their own formula for determining your insurance score but most include the following

  • Age
  • Credit Score (they do not perform a “hard hit” on your credit its simply a soft hit so no need to worry)
  • Claims history
  • Claims Frequency

At Discovery Insurance Agency we have seen savings on homeowners insurance upwards of 20% depending upon the carrier and your insurance score.

Florida homeowners Insurance costs will undoubtly continue to rise of the years but how much is too much?  I would say anything around 10% is a pretty normal increase if you have had no claims in the prior year.  If you see an increase more than that I would contact your agent or contact us at  We use a software that allows us to send all your info out to 20+ home insurance companies with a click of a button.  Then it takes about 30 min and all the quotes come back organized from lowest premium to highest.

Another tool we use at Discovery Insurance Agency to help our clients is we monitor our clients rates every year and try to be as pro-active as possible.  Our internal Agency Management System allows us to compare our clients premium from last year to this year and if we see a 10% or more increase we automatically check the market to see if there are any carriers with lower rates offering the same or close to the same home insurance coverage.

If you would like us to take a look at your coverages simply complete this form below?

Quote Request Form

"*" indicates required fields

Step 1 of 3

Hello! What would you like a quote for?*
Check all that apply. You can tell us if there is something else you need a quote for in just a moment.

Would You Like Us To Review Your Policies?

"*" indicates required fields

Step 1 of 3

Hello! What would you like a quote for?*
Check all that apply. You can tell us if there is something else you need a quote for in just a moment.

Request Your Proposal Here

Are you ready to save time, aggravation, and money? The team at Discovery Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!