If you’re like many South Florida homeowners, you probably opened your renewal notice and thought, “Wait… it went up again?”
You’re not alone. Homeowners insurance premiums have been steadily climbing across the state—and especially here in South Florida.
But the good news? You’re not stuck with that higher rate.
Whether you’ve been in your home for 20 years or just moved in, there are a few smart, simple steps you can take to lower your homeowners insurance premium.
In this blog, we’ll break them down.
1. Review Your Coverage – Not All Policies Are Created Equal
It’s easy to just renew the same policy year after year, but that doesn’t mean you’re getting the best deal. Your needs may have changed—or your current insurer might be charging more than necessary.
Pro tip: Take a few minutes to go over your current coverage. Do you have more personal property coverage than you need? Are you paying for extras you didn’t even know were optional
2. Increase Your Deductible (If You Can Afford It)
Raising your deductible is one of the simplest, quickest ways to lower your premium. Just make sure you have enough savings to cover that higher out-of-pocket cost in case of a claim.
3. Bundle Your Policies
If your home insurance and auto insurance are with different companies, you could be missing out on major savings. Bundling policies with the same provider often unlocks multi-policy discounts—and yes, we do that here at Florida 1st!
4. Secure Your Home
Did you know certain safety upgrades can reduce your premium?
- Install hurricane shutters or impact-resistant windows
- Update your roof (especially if it’s over 15 years old)
- Add a monitored security system or fire alarms
Insurers often offer discounts for improvements that reduce risk.
5. Ask About Discounts You Might Not Know Exist
You’d be surprised how many discounts are available that people never think to ask about.
For example:
- Claims-free discounts
- Senior discounts
- Loyalty discounts
- Wind mitigation credits
Time for a Policy Check-Up?
At Florida 1st Insurance, we help South Florida homeowners like you find better coverage for a better price—without the stress of doing it all yourself. If your renewal just came in the mail and made your jaw drop, let’s talk.
Give us a call today to compare your current homeowners insurance and see how much you could save.