The "Florida Homeowner’s 5-Minute Insurance Audit"

  Stop overpaying and start protecting. Use this checklist to see if your policy is actually up to par for 2026.

1. The "Age of Roof" Discount

• Is your roof less than 15 years old? Most Florida carriers offer significant discounts for newer roofs.

• Have you had a Wind Mitigation Inspection in the last 5 years? This single document can save you up to 40% on your premiums by proving your home can withstand high winds.

2. Coverage Gaps & "Hidden" Exclusions

• Water Backup & Sump Overflow: Does your policy cover a pipe burst or sewer backup? (Most standard policies exclude this unless you add an it).

• Flood Insurance: Remember, homeowners insurance does not cover rising ground water. Do you have a separate flood policy, even if you aren't in a "High Risk" zone?

• Ordinance or Law Coverage: If your home is damaged, this covers the extra cost of rebuilding to current 2026 building codes. Without it, you pay the difference out of pocket.

3. Strategic Savings

• Call us to shop it: Home insurance prices are dropping in Florida. 

• The Deductible Check: Is your "All Other Perils" (AOP) deductible set at $1,000 or $2,500? Raising this slightly can drop your annual premium significantly.

• The Bundle Bonus: Are your home and auto policies with the same carrier? If not, you’re likely leaving a 10-15% "Multi-Policy Discount" on the table.

• No Recent Claims:  That's a reward-worthy record

4.  Credits

• Secured or Gated Neighborhood

• Senior discounts

• Smart Home Sensors: Do you have water-leak sensors? 

• Monitored Alarms: Is your security system connected to a central monitoring station?

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Don’t Audit Alone! Check more than 2 boxes? You might be overpaying or under-protected.

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Or, if you prefer the local touch, give us a call or stop by. We’ll have the coffee ready.

📞 Call us: 904-388-6446 📍 Visit us: 2153 Blanding Blvd, Jacksonville, FL