Although Florida is known as the sunshine state, the weather can be unpredictable. Safeguarding your home against various risks is not just a wise choice—it’s a potential money saver on your homeowner’s insurance premium. In this blog, we will explore how you can fortify your home through repairs to mitigate risk and lower your premium.
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The Security System Advantage
Installing a home security system isn’t just about deterring crime; it’s a savvy move to help lower your insurance premium. Many insurers offer discounted rates for monitoring systems that can alert authorities in case of a potential break-in.
While a standalone Ring doorbell is a good first line of defense, a comprehensive security system may yield more significant savings. Check with an agent to ensure your security system qualifies for a homeowner discount.
Storm-Proof Your Sanctuary
Reinforce With Shutters and Impact-Resistant Windows
Shielding your home against natural disasters is a win-win situation. Hurricane shutters, impact-resistant windows, and a reinforced garage door are essential in regions susceptible to high winds and storms such as Florida.
While the initial investment may seem hefty, the long-term effectiveness of these measures definitely outweighs the expense.
Consider updating your roof if it’s over 15 years old or fortify it with hurricane clips/straps. Moreover, a wind mitigation inspection by an authorized inspector can help guide you to make necessary improvements.
The My Safe Florida Home program provides financial assistance, offering free inspections and matching grants ($2 for every $1 spent by homeowners) for wind mitigation improvements. Plus, enjoy a sales tax exemption on impact-resistant windows and doors until June 30, 2024!
Shield Against Fire and Hazards
Protecting your home against fire and other hazards is not only essential for the safety of your loved ones but may also qualify you for a homeowners discount. Updating outdated electrical wiring and plumbing are crucial steps in minimizing risks. Discover the measures that need to be taken to make your home a safe haven and potentially reduce your insurance premium.
Homeowners Insurance – Your Ultimate Shield
While fortifying your home through repairs is essential, having robust homeowners insurance acts as your ultimate shield. Ensure to review your policy regularly and always communicate with your insurance agent about any upgrades you’ve made to your home. A well-protected home coupled with comprehensive insurance coverage creates a winning combination, offering you peace of mind and potential savings.
Fortify, Protect, Save: Comprehensive Insurance Coverage With COBIA
In the journey to a safer home and discounted premium, each home repair is a step towards a more secure future. At COBIA, we are invested in protecting your home and family while opening the door to potential savings. Stay proactive, secure, and enjoy the benefits of a well-protected home when you work with our dedicated team. Please contact us today to set up an appointment and discover how we can help secure your home with comprehensive coverage.