Do hurricane shutters lower home insurance?

They can. Code-approved opening protection like shutters or impact glass can earn a credit on the windstorm portion of your premium, typically around 5 to 25 percent of that portion. The discount must be documented with a wind mitigation inspection, and it is set by your insurer.

Do I have to protect every window to get the discount?

Usually yes. Opening protection credits are typically all-or-nothing. Every window, door, garage door and skylight must be covered with a rated product. One unprotected opening can disqualify the credit.

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Q: Does every state give a shutter insurance discount?

No. Florida and Louisiana require insurers to offer wind mitigation discounts by law. Alabama, Mississippi, North Carolina, Texas and South Carolina offer them in coastal areas or through wind pools. In other states it depends on the insurer.

Code-approved shutters can earn a wind-mitigation credit on your home insurance. Enter your state and annual premium for a quick, honest estimate of the potential savings.

Your state

Annual premium ($)

How the discount actually works

Insurers don’t discount your whole bill — they discount the windstorm portion, which is roughly 15–70% of a coastal premium depending on where you live.¹ Code-approved opening protection (shutters or impact glass) typically earns about 5–25% off that wind portion.²

The catch most homeowners miss: it’s all-or-nothing. Every window, door, garage door, and skylight has to be protected with a rated product. One unprotected opening and you typically lose the credit.³

To claim it, a licensed inspector documents your home on a wind-mitigation form, you send it to your insurer, and the credit is applied. In Florida the report stays valid for five years.²

Where the discount is strongest

Required by lawFlorida & Louisiana — insurers must offer wind-mitigation credits.⁴

Coastal areas / wind poolAlabama, Mississippi, North Carolina, Texas & South Carolina — offered in coastal counties or through the state windstorm pool.^4,5

Varies by insurerMaryland, Georgia, Virginia, New Jersey, New York & Massachusetts — many insurers offer credits, but it’s not mandated. Confirm with your agent.

Questions

Do shutters really lower my insurance?

They can — code-approved shutters earn a credit on the windstorm portion of your premium, usually around 5–25% of that portion, once documented with a wind-mitigation inspection. The exact figure is set by your insurer.

Does every state offer it?

No. Florida and Louisiana require it by law. Alabama, Mississippi, North Carolina, Texas and South Carolina offer it in coastal areas or through wind pools. Elsewhere it depends on the insurer.

Do I have to cover every window?

Usually yes. The opening-protection credit is typically all-or-nothing — one unprotected opening can disqualify it.

Sources

Florida Office of Insurance Regulation / Citizens Property Insurance — wind portion of a Florida premium ranges roughly 15–70% of the total. citizensfla.com/discounts
Florida wind-mitigation credits and the OIR-B1-1802 inspection (valid 5 years); opening protection is a recognized feature. progressive.com
Opening-protection credits are all-or-nothing — every opening must be protected. comegys.com
Florida (Fla. Stat. §627.0629) and Louisiana mandate wind-mitigation discounts; other states vary. insurance.com
State programs and coastal-county credits (AL, MS, NC, TX, SC, MD). fortifiedhome.org/incentives

HurricaneShutterCalc.com is not an insurance agency and does not provide insurance advice. Estimates are illustrative only. Confirm any discount with a licensed agent or your state insurance department.

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