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Getting ready to take the next big step in home buying is an exciting time, but it’s also important to do your research. Buying your forever home can be overwhelming and scary, but we want to help ease the stress. Before you make an offer, be sure to look out for these things. Here’s what you should look for when searching for your new home. Each has the potential to raise or lower your insurance premium.

1 – House Age and Quality

  • Older homes built with materials tough to replace, as well as electrical, may not be up to current code.
  • Many older homes can be updated to current building codes. They are considered less risky to insurance companies when faced with a hurricane or other natural disasters.
  • Heating type (if an oil tank is on-premise or underground), swimming pool, security systems, and more can vary the home insurance eligibility.

2 – Roof Condition

  • A newer roof not only shines brighter but will also protect your home better during a storm. Generally, insurance companies like to see roofs that are 10 years and newer, and will often reward those homeowners with discounts on their insurance policies. If a roof is in rough condition, you may want to consider having replaced, either before or after you purchase the home.

3 – Fire Department and Neighborhood

  • Insurance companies like to see that there is a quality fire department nearby. Being close to a station could lower your insurance premium.
  • The neighborhood type, crime rate and having a nearby fire hydrant all play a part in determining rates.

4 – Coastline Proximity

  • At Ample, we have markets for coastal properties. However, many carriers do not like the risk associated with homes on the coastline. The closer to the coast generally costs more and may also have a hurricane or windstorm deductible.

5 – Flooding Risk

  • Remember, your flood insurance is not included in your homeowner’s policy. Ask your agent about flood insurance. Find out if your home is in a preferred flood zone or non-preferred flood zone.

6 – Home Inspection

  • Make sure you know what is included in your inspection because not all tests are included like radon, mold, or pests.
  • Attend the inspection, pay close attention, and ask any questions you might have.
  • Make sure the inspector can access every part of your home, including tight spaces in the attic.

Purchasing your first home is perhaps the biggest financial decision you’ll ever make. We want to protect you and your new investment. We can run multiple quotes to give you an idea of what your insurance will cost. Don’t hesitate to contact our agents today! Reach us by phone by calling 321-222-1488. Other ways to contact us include emailing us at or submitting a ‘Request A Quote’ form.