Number one – be sure to get quotes from several insurance companies and to consider the cost of insurance when you start shopping for a home.
Newer homes tend to have lower premiums. In South Florida, the type of windstorm protection a home has (if any) will certainly factor into the premium charged.
Try to choose a home with an alarm security system and/or a construction base that complies with local building codes.
Other ways to lower insurance costs include insuring your home and cars with the same company and seeking group coverage through alumni or business associations.
Insurance costs are always lowered by raising your deductibles but this will expose you to a higher out-of-pocket cost if you have to file a claim.