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Florida Home Savings Calculator

Wind-mitigation credits cut your insurance premium (Fla. Stat. §627.0629), and efficient windows cut your electric bill. Estimate one — or both, together.

Insurance savings Energy savings Both combined

Your current annual premium ($)

Upgrade you're considering

Your average monthly electric bill ($)

Your current windows

Estimated annual savings

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Get My Exact Number — Free Evaluation

Insurance estimates are based on the wind/hurricane portion of typical Florida premiums and published wind-mitigation credit ranges (OIR-B1-1802 inspection factors; Fla. Stat. §627.0629). Energy estimates are based on ENERGY STAR field data for window replacement in hot-humid climates. Actual savings depend on your insurer, utility rates, home construction, and inspection results — your free evaluation includes exact numbers.

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How insurance credits work

After your upgrade, a wind-mitigation inspection (form OIR-B1-1802) documents your home's features. Your insurer must apply corresponding credits to the wind portion of your premium.

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How energy savings work

Tampa's cooling season runs most of the year. Modern low-E double-pane glass — impact or energy-efficient — blocks solar heat that your AC otherwise fights, every day.

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The all-openings rule

Opening-protection credits generally require every opening protected — windows, doors, sliders, garage. One unprotected opening can forfeit the credit.

Florida Home Savings Calculator

How insurance credits work

How energy savings work

The all-openings rule

See What Your Home Qualifies For