Florida Homeowners Insurance for New Construction | Is Homeowners Insurance Cheaper on New Construction?

If you’re shopping for a new home and considering insurance coverages, you may wonder, “Is homeowner insurance cheaper on new construction?” The answer is often yes – and the savings can be significant when compared to older homes.

Why is Homeowners Insurance Cheaper on New Construction?

Florida homeowners insurance for new construction can be more affordable because everything in your new home is just that - new. Updated materials, appliances, and systems built under the latest safety and building codes make your property more durable and less risky to insure.

Newly constructed homes may also include modern fire-resistant and weather-resistant features, further reducing your insurance costs.

Another factor: newly built homes are rarely targeted by the roof claim fraud that has driven insurance premiums higher across Florida. Older homes are often solicited by contractors encouraging roof claims for general wear and tear – something not covered by insurance. These unnecessary claims and lawsuits contribute to rising premiums statewide.

Since newer homes typically aren’t part of this pattern, insurers view them as lower-risk, resulting in better rates for homeowners.

How Much Can You Save?

The construction materials and safety systems in your home can directly affect your potential discounts. For example, homes with metal roofs, modern fire-suppression systems, or other fire-resistant features can qualify for even greater savings.

Other discounts may be available, too, including:

• Hip Roof
• Fire Alarm: Local or Centrally Monitored
• Burglary Alarm: Local or Centrally Monitored
• Limited Access Community: 3 Entries or Less
• Gated Community: Manned or Passkey Entry
• Water Loss Prevention: home built in the past 3 years, no documentation required
• Accredited Builder: home built in the past 5 years, no documentation required
• Multi-Program Discount
• Military Discount 

Protect Your New Home with Confidence
American Integrity Insurance makes it easy to find affordable coverage for your newly constructed Florida home. Contact one of our trusted agents today to get a personalized homeowners insurance quote and learn more about available discounts.

American Integrity Insurance is committed to providing Florida homeowners with sound, comprehensive insurance coverage and an extraordinary customer experience. We strive to be a valued partner to our policyholders, agents, and community.

We offer traditional and high valued homeowners insurance, condo insurance, renters insurance, and the special coverage required for vacant homes, manufactured homes, and policies designed for those who need less coverage or are renting out their home. We also offer extra protection, including flood insurance, umbrella insurance, golf cart insurance, boat insurance, cyber coverage and identity theft protection as well as equipment breakdown coverage, to help address a broad range of needs facing Florida homeowners today.