If the construction of your home or roof meets certain Florida Building Code standards, you may be eligible for a discount.
Savings + Discounts
Wind-Resistant Home Features
Wind Mitigation Discounts
How well is your home protected from high winds and high-speed projectiles? The better your home is protected, the more you can save!
Find out how well your home is protected from windstorm damage by having a Windstorm Mitigation Inspection completed by a licensed inspector. The inspector will use the Florida 1802 Uniform Mitigation Verification Inspection form to document the wind-resistant features of your home.
Once completed, send a copy of the inspection form to your agent to find out if your home qualifies for a wind mitigation discount and see how much you can save on your premium.
Building Code
Roof Deck Attachment
How securely your roof deck is attached to the roof trusses/rafters may qualify you for a discount.
Roof-to-Wall Attachment
Your home may qualify for a discount based on how securely your roof is attached to the walls of your home. This can vary from simple nails to more complex metal straps that wrap over the trusses.
Secondary Water Resistance
If your home has an additional layer of water resistance to prevent wind-driven rain intrusion, you may qualify for this discount.
Opening Protection
Do you have storm shutters and/or impact-rated windows? If so, you may be eligible for the Opening Protection discount. Please note that all openings in your home, including all windows, doors, and skylights, must be protected in order to receive this credit.
For Our Policyholders
Additional Discounts
The discounts listed on this page are available to Security First Insurance poliyholders with approved documentation. Not all homeowners insurance companies offer the same discounts or use the same criteria to determine eligibility.
Some coverage options may not be available based on your policy. Please contact us for additional information regarding eligibility.
Age of Home/New Construction
If your home is newly built, you are eligible for a credit.
Alarm Systems: Central Burglar, Fire Alarm
If you have a central burglar or central fire alarm, you are eligible for a credit.
Documentation that shows proof of installation is required and could include an installation certificate, monitoring contract, or a letter from the installation/monitoring company.
Home Exterior Siding
You are eligible for this credit if your home has one of these types of siding:
Brick
Concrete
Stone Veneer
Hardiplank or Hardipanel (cement fibers)
Indoor Sprinkler System
If you have sprinklers located throughout your home in every room, including closets, you are eligible for this discount. Documentation is required and could include a fire inspection report.
Note: Sprinklers in crawl spaces, attics, garages, screened porches, etc. are not required for full credit.
Location of Home
Homes inland have lower insurance premiums than those by the coast.
You could pay less for home insurance in Florida if you buy a home or rent property within 1,000 feet of a fire hydrant and five miles of the responding fire station.
Paperless Discount
If you elect to have your documents sent to you via email only, you will receive a discount.
Policyholder Age 55+
If a policyholder listed on the policy is age 55 or older, this discount is automatically applied to the premium.
Roof Credits
We offer discounts based on the design of your roof, including the shape, slope, and soffit of the roof.
Roof Shape: The shape of your roof significantly impacts its resilience during a windstorm. There are three main shapes of roofs: hip, gable, and flat. We offer a discount for Hip roofs, which are roofs that slope upward from all sides of a structure, having no vertical ends. Hip roofs generally perform better in extreme winds than other roof designs because they have fewer sharp corners, a shallower slope, and a more stable structure. A hip roof can reduce your premium by nearly 32%.
Roof Slope: Roof slope is the measure of the steepness of your roof. To qualify for this discount, an inspection must be performed at the policyholder’s expense and the roof must have a high slope.
Roof Soffit: A soffit is part of the cornice or eave, where the roof meets the walls. If your roof soffit is made of wood, you are eligible for this credit.
Note: Some homes don’t have soffits.
Secured Community
You are eligible for this discount if your community meets at least one of the two following security requirements:
Your subdivision or community has a single entry or is protected by a 24-hour security patrol.
All entrances to the community are protected by 24-hour manned or passkey gates.
Note: Seasonal residents are not eligible for this credit.
Water Leak Detection Device
You may be eligible for a credit if you have a water leak detection device. Documentation that shows proof of installation is required.
How to Save on Premiums
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You can save money on your policy by increasing your deductibles, which is the amount you agree that you are responsible for paying if you experience a loss and file a claim. Always choose a homeowners insurance deductible amount that you are financially comfortable with and matches your budget.
There are many Hurricane deductible and All Other Perils deductible options to choose from. Using All Other Perils as an example, increasing it to $5,000 on your insurance policy can save you an average of 10%.
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You can save an average of 4% by changing your policy terms for covered losses to personal property from Replacement Cost to Actual Cash Value (ACV). This means that if you experience a covered loss to your personal items, they would be valued less than the cost of the same items brand new.
The ACV of an item is close to the price you’d pay for a used item that has a depreciated value due to age, wear, and tear.
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By electing to reduce the coverage for water damage on your policy from Standard to Limited, you can save an average of 10%. Limited coverage provides a limit of $10,000 for covered losses caused by a sudden and accidental discharge or overflow of water. You also have the option of excluding coverage for water damage which could save you even more money!
Please make sure you choose a coverage option that best fits your needs and budget.
We offer a policy option for your roof coverage that can save you an average of 5%. Ask your agent about our Roof Surfaces Payment Schedule Endorsement when renewing your policy.
This option revises your policy terms for covered damage to your roof that is specifically caused by Wind or Hail. This modification does not impact your policy’s loss settlement terms for losses caused by other covered perils. The loss settlement amount for this option is determined by several factors, including the roof’s age and material.
Here are some examples of the impact on the loss settlement terms for a composite shingle roof that was damaged by Wind or Hail:
Up to 100% of the total cost to repair/replace your roof if it’s less than one year old.
Up to 80% of the total cost to repair/replace your roof, if it’s five years old.
Up to 60% for a roof that’s 10 years old.
When it’s time to replace your roof, you can use some of the money that you’ve saved on your insurance premium to help pay for the new roof! Don’t forget to contact us when replacing your roof so we can update the roof age and material on your policy.
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There are several ways to lower your premium by modifying your homeowners policy coverage. Learning about Security First Insurance’s coverage options is the first step in the process. Depending on your policy, some coverage options may not be available. Please contact us to find out which options fit your policy.