Your insurance went up: your options

Florida premiums depend mostly on the roof, wind protection and flood zone. Some of that you can change.

• A wind mitigation inspection documents your roof straps, shutters and roof shape. Florida insurers must offer discounts for those features.
• Citizens Property Insurance is the state-backed insurer for people who can't find coverage at a fair price elsewhere. Who qualifies depends on the private offers you get.
• Flood is a separate policy; a homeowners policy doesn't cover it. Every home here shows its flood zone.
• If you're thinking of moving, newer homes built to today's Florida Building Code, and homes outside flood zones, usually cost less to insure. Every home here shows an insurance estimate.

See homes with their insurance estimateSee what your home is worth

Sources: Florida Statutes §627.0629 (wind mitigation discounts); Citizens Property Insurance Corporation (eligibility); FEMA National Flood Insurance Program; Florida Building Code. Programs and rules change; check what's current. This is general information, not legal or tax advice.