Homeowner’s insurance does not have to be a barrier to buying your ideal home. In today’s market, buyers can find ways to make associated costs easier on the wallet. The average insurance cost for a Florida homeowner is $2,385 a year, or about $199 a month, according to NerdWallet. In Miami, the average annual rate was $4,740, in Fort Lauderdale it was $3,985 and in Boca Raton it was $2,945, as of September. Here are some ways that real estate buyers have been finding savings:

Reinforce: While walking through homes with your broker, ask about reinforcements that already exist and educate yourself about the potential cost to you of adding more once you buy the home. Those fixes might also be tax deductible. But make sure to check with your insurer before committing to any upgrade to make sure that the investment will make your insurance less expensive.