Gated communities reduce risk and present homeowners with lower rates of theft, crime and vandalism. The existence of supplementary security has the potential to prevent any vicious activity and should be taken advantage of whenever possible. Those who do may become the beneficiary of added insurance benefits. Many Florida home insurance policies are able to credit their holders within gated communities, as they are less likely to file a claim.

For those who are fortuitous enough to belong to a gated community may reduce their monthly premium by as much as 20 percent. If you live in a gated community, it is a lot less attractive to a thief than a place that does not have security.

The geographical region in which you live also plays a significant influence in deciding on Florida homeowner’s insurance rates.

If you live near your local fire department in a safe, quiet, easily accessible neighborhood, your Florida homeowners rates might be lower than if your home is located in a place which is occupied by too many people and shops. Your home may cost more to insure if you are far away from the closest fire department.

In a gated community, traffic and speeding cars are also reduced behind the gates which makes it quieter and safer for children to play and ride bicycles within these neighborhoods. This means that the chances of accidents and injury caused to children by commuters will be reduced hence less claims meaning less amount of premiums to pay meaning more money in your pocket.

Gated communities have a higher standard of home quality and strict building codes that promote uniformity in design. That means more comparable sales and better value for all the homeowners within the community. This will result in insurance companies to take note of clarity of homes and their structures which makes it easy for them to evaluate the insurance premium and substantial savings for Florida homeowners.

The demand of a gated community to home-buyers is also the same for insurance companies which is security. Having a defensive gate surrounding your neighborhood, setting up security cameras throughout the community, and having guards patrol the area are all obstacles to burglars and vandals. Criminals want a clear target with finite barricades between them and the property they are trying to rob. They simply will not go through the struggle of robbing a home in a gated community if there are other less-protected homes nearby.