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

If the construction of your home or roof meets certain Florida Building Code standards, you may be eligible for a discount.

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