Serving All of Florida

• Dwelling (Coverage A):
  Protects the physical structure of your home, including the roof, windows, walls, and foundation.

• Other Structures (Coverage B):
  Covers detached structures on your property, like fences, sheds, or garages.

• Personal Belongings (Coverage C):
  Helps replace or repair personal items such as furniture, clothing, and electronics if damaged or stolen.

• Loss of Use (Coverage D):
  Reimburses additional living expenses if a covered event temporarily forces you to leave your home.

• Personal Liability (Coverage E):
  Offers financial protection if someone is injured on your property and you’re held legally responsible.

• Medical Payments (Coverage F):
  Helps pay medical expenses for guests injured on your property, regardless of fault.

Several factors influence the cost of your Florida homeowners insurance—some you can control, others you can’t. Your coverage limits and deductible choices play a major role, as they determine how much protection you have and what you’ll pay out of pocket if you file a claim.

Another key factor in Florida is wind mitigation. With the state’s frequent hurricanes and tropical storms, taking steps to protect your home from wind damage isn’t just smart—it can also lead to significant savings on your premium. Strengthening your home’s wind resistance keeps you safer and helps reduce your insurance costs.

At Luxsure Insurance Agency, we’ll help you understand how these factors affect your rate—and how to make the most of available savings.

• Roof Covering
  The type of material used—like shingles, tile, or metal—can impact how well your roof withstands wind. Roofs built to Florida-approved standards help prevent water intrusion during storms.

• Roof Geometry
  The shape of your roof matters. Hip roofs (which slope on all sides) are generally more wind-resistant than gable roofs (which have two sloping sides).

• Roof Deck Attachment
  This refers to how the roof decking is secured to your home. Stronger nailing patterns and reinforced connections help prevent wind uplift.

• Roof-to-Wall Attachment
  Metal connectors or straps used to tie the roof to the walls improve stability and reduce the chance of the roof detaching during high winds.

• Secondary Water Resistance (SWR)
  An extra layer beneath your roof covering, SWR helps keep water out even if the main roof surface is damaged or blown off.

• Opening Protection
  Impact-resistant windows, doors, and shutters protect your home from flying debris—preventing breakage and reducing interior damage during storms.

Looking to protect your home and lower your insurance costs? A Wind Mitigation Inspection by a licensed inspector can help you do both. Many Florida insurance companies offer premium discounts for homes with wind-resistant features—because safer homes mean fewer claims.

Schedule your inspection today and start saving with added peace of mind.

• Find a Qualified Inspector
  Choose a licensed, experienced inspector familiar with Florida’s wind mitigation standards. Your insurance agent can help connect you with a trusted professional.

• Schedule the Inspection
  Once completed, you’ll receive a detailed report outlining your home’s wind-resistant features.

• Submit the Report to Your Insurance Company
  Share the report with your insurer. If your home qualifies, you could receive valuable discounts on your premium.