Buying on the Treasure Coast
Homeowners Insurance in Florida
How Florida homeowners insurance works for any home: what drives premiums, wind mitigation credits, the new construction advantage, and what to ask before closing.
Florida homeowners insurance works differently than in most states. Roof age, wind protection, construction type and location drive your premium on any home. Newer homes, including new construction, usually earn the most wind mitigation credits, and this guide covers that advantage too.
Insuring an older home
Insurers look closely at roof age and the condition of the roof, electrical, plumbing and HVAC. Expect to need a four-point inspection and a wind mitigation inspection. Shutters, impact windows and a newer roof can lower premiums significantly.
The new construction advantage
Homes built to the post-2002 Florida Building Code earn credits for: hip roof shape, secondary water resistance, hurricane straps, impact-rated windows/doors (or shutters), and concrete block construction. Most Treasure Coast new builds qualify for the maximum 'Superior' wind credit.
What drives your premium
Distance from the coast, wind exposure, elevation, roof shape and construction type matter most. Premiums change often, so get current quotes for the exact address before you commit.
What to ask before closing
Request a Wind Mitigation Inspection report from the builder. Get 3 quotes, Citizens, a domestic carrier, and a surplus-lines option. Confirm hurricane deductible (usually 2% of dwelling value).
Frequently Asked Questions
Is insurance cheaper in some Treasure Coast counties?
Distance from coast and wind exposure matter more than county. Inland homes usually quote lower than barrier island homes.
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