Florida Homeowners Insurance Discounts

Florida attracts regular visitors with its charm, beautiful beaches, and deep blue skies. Many of them end up purchasing a home and laying down roots here. However as many new homeowners find out: your home tends to be your biggest investment and could cost you more than you bargained for. Florida homeowners have the most expensive annual premiums for homeowner’s insurance coverage.

Whether you’re a new Florida homeowner or you’ve been around the block a few times, you’re most likely looking for ways to save money on your homeowner’s insurance. Make sure to shop around to find something that fits your needs.

Common Florida Homeowners Insurance Discounts

It’s a fact that Florida homeowners reside in a region that is at a higher risk of natural disasters, such as our favorite—hurricanes. However, you can work with your local insurance agent to obtain a high level of coverage at a decent rate. Plus, you should take advantage of the following discounts if possible:

Home Safety

If you’ve recently installed a central station burglar or fire alarm, smoke detectors, and/or a water safety system, then you should ask about a home safety discount. Homeowners that take the time to set up the newest generation of home sensors that detect water or natural gas leaks can also save money for these home safety solutions. Please note, in order to qualify for this type of discount, these installations need to be monitored by a company.

Gated Community

If you live in a gated community, your insurance company will give you a discount for having an additional layer of security for your property.


Florida insurance carriers give discounts for renovations like plumbing or electrical work. For instance, cloth covered wiring poses a fire hazard due to the cloth cover drying out and causing it to crack. If you’ve replaced the wiring in your home, then you should qualify for a wiring renovation insurance discount.

Hurricane Proofing

Impact-resistant roofs, windows, and shutters may cost you upfront but in the long run, these are definitely worth the investment. Plus, insurers are going to give you a homeowner’s insurance discount, which will lower your premium.


Smoking is a fire hazard for obvious reasons. If nobody in your home smokes, then you qualify for a smoke-free discount.

When in doubt, ask your agent

If you have any questions, reach out and schedule an appointment with your insurance agent to review your policy to ensure everything is correct and you understand it. If your home has had recent upgrades or repairs—it needs to reflect this information.

With that said, here at E&L Insurance, we know that you could always use a discount when it comes to your Florida homeowners insurance. Our independent insurance agents can work with you to find the property insurance that meets your needs and budget while giving you peace of mind that your home is covered. Give us a call, today!