---
title: "Homeowners Insurance in Florida | Pete & Kate Real Estate"
url: https://petekaterealestate.com/guides/insurance-florida-new-homes
description: "How Florida homeowners insurance works for any home: what drives premiums, wind mitigation credits, the new construction advantage, and what to ask before"
lang: en
---

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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.

Superior

Wind credit · Most new builds

Post-2002

Code era · FL Building Code

Often lower

Vs older resale · On wind premium

~2%

Hurricane deductible · Of dwelling value

## 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.

## Keep researching

- The Treasure Coast New Construction Buying Process: https://petekaterealestate.com/guides/new-construction-buying-process
- Hidden Costs of New Construction Homes in Florida: https://petekaterealestate.com/guides/hidden-costs-new-construction
- Property Taxes, Homestead and Portability: https://petekaterealestate.com/guides/property-taxes
- Flood Zones on the Treasure Coast: What Buyers Need to Know: https://petekaterealestate.com/guides/flood-zones
- Browse communities: https://petekaterealestate.com/neighborhoods
- Home builders: https://petekaterealestate.com/new-construction/builders

## Want a personalized walk-through?

Talk with Pete & Kate about how this applies to your move, whether you are buying, selling, or building new.

Talk to a Local Expert (https://petekaterealestate.com/contact)

## Related Guides

Buying on the Treasure Coast

### Buying a Home on the Treasure Coast, Step by Step

Read Guide
https://petekaterealestate.com/guides/buying-a-home-step-by-step

Buying on the Treasure Coast

### Property Taxes, Homestead and Portability

Read Guide
https://petekaterealestate.com/guides/property-taxes

Buying on the Treasure Coast

### HOA and CDD Fees on the Treasure Coast

Read Guide
https://petekaterealestate.com/guides/hoa-fees

## Have Questions About New Construction?

Get personalized guidance on buying a new construction home anywhere on the Treasure Coast, from a local expert.

Contact Us: https://petekaterealestate.com/contact
Browse All Guides: https://petekaterealestate.com/guides

Call Us (+17722841419)

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