The Sunshine State is a wonderful place to build a new home. Florida enjoys a warm climate almost all year, with ready access to fresh and saltwater bodies for boating and fishing. New construction home communities are also booming. In 2022 alone, there were over 134,000 new homes built in Florida.

Building a new home is an exciting and fun experience. However, it also comes with a lot of risks and uncertainties. That's why it's important to have homeowner’s insurance designed specifically for newly constructed houses. Let’s explore this coverage option, including discounts typically available to newer homes that are built with the most recent safety standards and building codes in mind.

What is New Construction Home Insurance?

American Integrity offers a type of homeowners insurance that provides coverage for the risks specific to newly constructed homes. Because new homes are built to the most recent building codes, they tend to receive a lower premium. Don’t lose money by choosing the wrong type of policy for your newly constructed home!

New construction home insurance offers all the essential coverage needed by most homeowners, but there are also options to enhance your protection with additional coverages like cyber or flood. Contact an American Integrity insurance agent to determine what level of coverage is right for you.

Can I Save Money on New Construction Homeowner’s Insurance? 

New construction homeowners insurance in Florida is typically more affordable than insuring an older home. Brand-new homes are built with the enhanced technology and better materials while adhering to the latest and safest building and safety codes. Many new homes also include modern fire-resistant and weather-resistant features like windstorm loss mitigation features, making them safer and more durable. 

Other possible discounts can include: 

• 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: automatically applies to homes built in the past 3 years, no documentation required
• Accredited Builder: automatically applies to homes built in the past 5 years, no documentation required

Additionally, if you own a boat or golf cart, American Integrity also offers a discount on your homeowners policy if you to bundle your watercraft or golf cart insurance coverage. Plus, it’s much easier to keep track of your insurance policies if they’re bundled under one roof!

Talk with an agent from American Integrity Insurance today about Florida homeowners insurance for new construction and learn more about which discounts you qualify for. 

Why is Florida Homeowner’s Insurance for New Construction Important?

Insuring your newly constructed home with specialized coverage is important for several reasons: 

1. Newly constructed homes are less risky for carriers to insure and therefore tend to have more favorable premium rates.
2. New construction home insurance offers all the essential coverage you need, with options to enhance your protection.
3. American Integrity offers a variety of discounts for newly constructed home coverage.

Building a new home is an exciting and rewarding experience, but comes with many risks and uncertainties. That's why it's important to have proper insurance coverage for your newly constructed home. Protect yourself, your family, and your investment with coverage specially designed for new homes, and then be rewarded with significant discounts for modern safety and weather-protection features. 

Contact an American Integrity insurance agent about the essential coverage of Florida homeowners insurance for new construction. You will ensure that you have the protection you need and your wallet will thank you!

We offer traditional and high valued Homeowners Insurance, New Home Construction Coverage, 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 Golf Cart Insurance, Watercraft 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.