2026 Central Florida Home Insurance Savings Calculator

Understand how low your premiums can potentially be

In Central Florida, "standard" home insurance doesn't exist. Whether you are renewing an existing policy in Casselberry or closing on a new home in St. Cloud, your insurance premium is largely dictated by how well your home can withstand a hurricane.

Most national insurance calculators are built for the Midwest or Northeast—they don't account for Florida-specific factors like Building Code Baselines, OIR-B1-1802 categories, or the 2026 Florida Insurance Reforms. That is why Quality Real Estate Services built this proprietary tool specifically for our neighbors in Orange, Seminole, Lake, and Volusia counties.

Why Use the QRES Savings Tool?

• Renewing Your Policy? Don’t just accept a rate hike. Use this calculator to see if a fresh Wind Mitigation Inspection could save you thousands. If you’ve replaced your roof or added shutters since your last renewal, you are likely leaving money on the table.

• Buying a New Home? National calculators give you an "average" that is often thousands of dollars off. Our tool uses real 2026 Florida carrier credit estimates to give you a realistic budget for your new mortgage.

• Local Accuracy: We account for the massive difference between a Gable and a Hip roof—a detail national tools ignore but Florida carriers reward with up to a 22% discount.

How QRES Protects Your Investment: Our Inspection Services

We provides and coordinate a full suite of specialized inspections to ensure your 2026 insurance application is fullproof:

• Wind Mitigation Inspections: The primary tool used to secure the credits calculated above. We verify roof-to-wall attachments and deck fastening to ensure you get every possible dollar is saved.

• 4-Point Inspections: Required for homes over 15 years old. We review the Roof, Electrical, HVAC, and Plumbing systems to ensure your home is insurable by private carriers in the Central Florida market.

• Roof Certification: If your roof is nearing its "Insurance Life Expectancy," we can provide certification.