The start of a new year is when many of us resolve to save more, stress less, and take better care of what matters most. But one resolution that often gets overlooked? Making sure your insurance is actually working for you.
At VYRD, we believe the best way to save money on insurance isn’t just after a loss—it’s by preventing avoidable damage in the first place. A few smart insurance resolutions can help protect your home, reduce claims, and unlock meaningful savings over time.
Here are some insurance resolutions worth keeping this year.
Resolution #1: Strengthen Your Home Against Wind
In Florida, wind mitigation isn’t just about insurance—it’s about safety. Features like roof-to-wall attachments, impact-resistant openings, and secondary water barriers help make your home more resilient during storms.
Why it matters
Homes with wind mitigation features may qualify for premium savings, while also reducing the likelihood of costly storm damage.
Good homeowner habit: Keep documentation of upgrades and maintenance handy so credits can be properly applied.
Resolution #2: Catch Water Leaks Before They Become Claims
Some of the most expensive claims start with something small—like a slow drip under a sink or a supply line that fails while no one’s home.
VYRD provides FREE smart water leak sensors to help homeowners detect leaks early and prevent major damage.
Why it matters
Early detection can mean the difference between a quick fix and a major repair—and may help lower the risk of future claims.
Good homeowner habit: Regularly check appliances, supply lines, and water-using fixtures, especially if you travel or own a seasonal home.
Resolution #3: Choose Trusted Help When It Matters Most
When damage happens, who you work with matters. VYRD’s Preferred Contractor Endorsement allows policyholders to leverage our vetted network of home service professionals in the event of a covered loss.
Why it matters
Working with trusted contractors can streamline repairs, reduce delays, and help avoid common post-loss headaches—while also qualifying for a premium credit.
Good homeowner habit: Avoid rushing into agreements with unsolicited contractors after a loss.
Resolution #4: Protect Your Home with Monitored Safety Systems
Homes equipped with centrally monitored fire or burglar alarm systems may qualify for a Protective Device Discount.
Why it matters
Monitored systems can reduce the severity of losses—and in some cases, prevent them altogether.
Good homeowner habit: Make sure systems are active, properly monitored, and maintained year-round.
Resolution #5: Take Advantage of Community Security Features
If your home is located in a secured community or building, or a neighborhood with 24-hour security patrol, you may be eligible for additional savings.
Why it matters
Reduced risk benefits everyone—and insurance should reflect that.
Good homeowner habit: Notify your agent if your community adds or upgrades security features.
Resolution #6: Keep Your HVAC System Maintained
Routine HVAC maintenance isn’t just about comfort—it can help prevent water damage and system failures. Homes with semi-annual HVAC maintenance contracts may qualify for a discount.
Why it matters
Preventive maintenance can catch issues before they lead to leaks, breakdowns, or interior damage.
Good homeowner habit: Keep service records and stay on schedule.
Resolution #7: Take Care of Your Roof and Drainage
Your roof is your home’s first line of defense, yet it’s often the most overlooked. In Florida, clogged gutters, built-up roof debris, and overhanging tree limbs can trap moisture and increase the risk of leaks—especially during heavy rain or storm season.
Why it matters
Routine roof and gutter maintenance can help prevent water intrusion, structural damage, and costly repairs that often lead to avoidable claims.
Good homeowner habit:
- Clear leaves and debris from roofs and gutters regularly
- Trim back tree limbs that overhang or rub against the roof
- After storms, safely inspect for loose shingles or visible damage
Resolution #8: Stay Claim-Free When Possible
A claim-free history matters. Policies without claims in the last three years may qualify for a claim-free discount.
Why it matters
Not every issue needs to become an insurance claim. Addressing small, preventable problems early can protect your premium long-term.
Good homeowner habit: Treat your home with care—routine maintenance today can prevent claims tomorrow.
A Resolution That Pays Off All Year Long
Insurance works best when homeowners and carriers are aligned. Treating your home right, investing in prevention, and taking advantage of available discounts can help reduce risk, lower costs, and avoid unnecessary stress.
This year, resolve to be a proactive homeowner. Your home—and your wallet—will thank you.