Answers from broker owners Ryan and Megan Winslow
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
Hurricane exposure, roof age, and construction year drive the price. Coastal homes with older roofs cost the most to insure, and some carriers will not write them at all.
A wind mitigation inspection documents roof straps, shutters, and impact windows, and it often lowers the wind portion of the premium. A four-point inspection covers roof, electrical, plumbing, and heating and cooling for older homes.
Get quotes during your inspection period, before your deposit goes hard. An insurance surprise after that point puts your deposit at risk.
Written by Ryan and Megan Winslow, broker/owner of Winslow Homes. REALTOR® since 2009, 3,000+ homes sold, broker in FL, MA, CT and RI, U.S. Army retired. About Ryan and Megan.
Updated 2026-09-28. General information, not legal, tax or insurance advice.
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