Buying a home in South Florida is exciting. But don’t get swept up in waterfront views and sunshine-filled dreams and overlook the factors that make a house a smart investment! Insurance brokers have prime insider advice to help you choose a property that’s beautiful and well-prepared for everything from hurricanes to flood zones.
Here’s what you should look for when you’re house hunting in South Florida. Spoiler alert: it’s not just about curb appeal.
1. Hurricane-Ready Home Features Are a Must
Impact windows and doors are more than just buzzwords—they’re game-changers. Not only do they provide solid protection during hurricane season, but they can also lower your insurance premiums. Think of it as an investment that pays you back, both in safety and savings.
2. The Roof Isn’t Just Over Your Head
That tile roof might look great in listing photos, but here’s what’s really important:·
- Shape matters. Hip or gable roofs handle wind better and can lead to discounts on your policy.
- Material matters, too. Concrete, clay tiles, and metal roofs hold up like champions during storms.
- Age is everything. A newer roof with a valid permit on file is your golden ticket to avoiding future headaches (and surprise repair bills).
3. Updated Systems Means Fewer Claims
Outdated plumbing, electrical, or HVAC systems are like ticking time bombs. Sure, that vintage charm might steal your heart, but modern systems can save you serious cash. Hurricane-ready homes with updated systems not only reduce the likelihood of insurance claims but can also qualify for coverage discounts.
4. Flood Zones: Know Before You Buy
South Florida might feel like paradise, but it’s a flood-prone paradise. So, you need to know your potential home’s flood zone status. Homes in lower-risk zones mean cheaper flood insurance—and fewer sleepless nights during storm season.
Bonus Tip: Bring In the Pros
Buying a home is one of the biggest investments you’ll ever make. Partnering with the right team, from your realtor to your insurance broker, ensures you’re protected from day one.
At RiskSmart Advisors, we specialize in helping families secure homes with the best possible coverage. Whether you’re in the early stages of house hunting or need advice on securing coverage, we’re here to provide the personalized guidance you deserve.