Reference
The wind mitigation and insurance playbook
The cheapest report you will ever buy, and the three policies behind your real monthly payment.
A wind mitigation inspection documents the features that make a Florida home resist wind, and carriers price off it. It costs about $150 on its own, or $250 to $400 bundled with your four point, and it stays valid for five years. Get it during the inspection period, not after closing, so you can price insurance while you can still act on the answer.
What earns you a credit
| Feature | Why it matters | Typical saving |
|---|---|---|
| Impact windows | The single biggest wind mitigation credit in Naples. Already installed and you inherit the discount. A retrofit runs about $20K and often pays back in five to seven years. | $500 to $2K a year |
| Roof age | Rates jump for asphalt shingle past fifteen years. Metal and tile get longer insurable life. A new roof resets your premium meaningfully. | $300 to $1K a year |
| Roof straps | Straps or clips tie the roof to the walls. Homes built to post 2002 Florida code have them. Pre 2002 homes may need a retrofit. | $200 to $800 a year |
| Roof shape | Hip roofs, where all sides slope inward, beat gable roofs for wind resistance. Most Naples homes are hip. The inspector documents shape and pitch and scores it. | Included in the report |
The policies behind your real payment
| Policy | What to know | What it runs |
|---|---|---|
| Homeowners | Roof age and construction year drive the quote. Collier averages around $5,500, but coastal and waterfront Naples runs well above that, and homes insured over $1M commonly run $6,000 to $12,000 or more. | $5,500 county average far more on the coast |
| Windstorm | A percentage hurricane deductible on your dwelling coverage, not a flat dollar amount. Florida requires carriers to offer 2%, 5% and 10%. Homes from $1M to $3M may see 3% replace the 2%, and above $3M the 2% need not be offered at all. | Usually bundled |
| Flood | Required in FEMA Zones AE and VE. Naples zones change block by block. Pull the flood determination before you fall in love, not during inspection week. | $500 to $3,500+ a year |
Quote the house, not the county.
Two homes on the same street can carry wildly different premiums on roof age alone. County averages are useless for your decision. Get a quote on the specific address before you are under contract, and put that number in your budget next to principal and interest, not after it.
The order I run it in
Inspection first. Then wind mitigation and four point in the same visit. Then insurance quotes on the actual reports. That way the insurance number you get is real rather than an estimate off the listing, and there is no payment surprise between contract and closing.
Ranges reflect 2026 Collier County and Naples reporting and vary by home, carrier and condition. Always quote the specific address.
Questions I get about wind mit and insurance
What is a wind mitigation inspection and is it worth it?
It documents the features that make a Florida home resist wind: roof shape, roof age, straps, and whether the windows are impact rated. Carriers price directly off it. The report costs about $150 alone or $250 to $400 bundled with a four point, it is valid for five years, and typical savings run $500 to $1,500 or more a year. It usually pays for itself in the first premium cycle.
How much does homeowners insurance cost in Naples?
Collier County averages around $5,500 a year, but that average is close to useless for a decision. Coastal and waterfront Naples runs well above it, and homes insured over $1 million commonly run $6,000 to $12,000 or more. Roof age and construction year drive the quote more than anything else, so quote the specific address.
Do impact windows lower insurance in Florida?
They are the single biggest wind mitigation credit in Naples, typically $500 to $2,000 a year. If a home already has them you inherit the discount, which makes it a strong buy signal. A retrofit runs about $20,000 and often pays back in five to seven years of premium savings.
What is a hurricane deductible in Florida?
It is a percentage of your dwelling coverage rather than a flat dollar amount. Florida requires carriers to offer 2%, 5% and 10%. Homes insured from $1 million to $3 million may see 3% replace the 2% option, and above $3 million the 2% does not have to be offered at all.
When should I get insurance quotes when buying in Naples?
The moment you are under contract, and always off the actual inspection reports rather than the listing. Run the inspection first, bundle wind mitigation and four point into the same visit, then quote. Doing it in that order is why my clients rarely get a payment surprise before closing.
Get the full Naples Buyer Guide
This is one of four reference sheets inside it, alongside the insurability checklist and four worksheets you can print. Tell me where to send it.
