Living in Parrish, Bradenton, Lakewood Ranch, or Sarasota means enjoying beautiful coastal weather—but it also means preparing for hurricane season. One way to protect your home and save money on home insurance is by adding hurricane shutters and taking other storm-proofing measures.
Not only will you feel better about protecting your home from extreme weather but you’ll be taking steps to lower your Florida home insurance rates.
Also Read: Why Home Insurance is so Expensive in Florida
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How Hurricane Protection Lowers Home Insurance in Manatee County
Florida home insurance companies offer wind mitigation discounts for homeowners who take steps to reduce storm damage risk. Adding hurricane shutters, impact-resistant windows, reinforced doors, and a stronger roof can result in significant savings.
Hurricane Shutters & Impact-Resistant Windows
Installing hurricane shutters or impact-resistant windows helps protect your home from flying debris during a storm. Many insurance companies offer discounts when all openings (windows, doors, and garage doors) are secured.
Roof Upgrades & Hurricane Straps
A newer, wind-resistant roof or added hurricane straps can prevent your roof from lifting off during a storm. If your roof was built to modern Florida Building Code standards, you may already qualify for a discount.
Flood Barriers & Storm-Proofing
While flood insurance is separate from home insurance, adding barriers or elevating your home’s systems can help reduce risks. Some insurers may consider these protective measures when assessing your overall risk level.
How to Get Insurance Discounts for Hurricane Protection
- Schedule a Wind Mitigation Inspection – A licensed inspector will assess your home’s hurricane-resistant features and provide a wind mitigation report.
- Submit the Report to Your Insurance Carrier – This report helps insurers determine your discount eligibility.
- Upgrade as Needed – If you don’t qualify yet, investing in shutters, impact windows, or a new roof could save you money in the long run.
Protect Your Home & Save on Insurance
At Carter Family Insurance, we help homeowners in Parrish, Bradenton, Lakewood Ranch, and Sarasota find the best coverage and maximize their discounts. If you live in Manatee or Sarasota county and you’re interested in saving money on home insurance while protecting your property from hurricanes, contact us today for a free quote!
More Home Insurance Resources
- Florida Home Insurance Glossary
- 11 Things to Know Before Buying a Home in Florida
- Why Home Insurance is so Expensive in Florida
- How Pools are Covered by Home Insurance
- Home Office and Home Insurance
- How Electronics are Covered on Home Insurance
- How Home and Renters Insurance Covers Power Surges
- Understanding Home Insurance Deductibles in Florida
- Florida Hurricane Deductibles Explained
- How Renters Insurance Covers a Hurricane
- Home Insurance Roof ACV vs Payment Schedule
- How Hurricane Shutters Can Lower Home Insurance in Florida
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