Same Broward house: one carrier gives 70% off for wind mitigation, another 35%

I am not an investor and I am not in insurance. I just got a little obsessed with Florida's public rate data and keep finding weird stuff.

Here is the latest one. I pulled the state's approved rates for the same model home in Broward, a $150k home built before 2001, and compared the premium with and without wind mitigation. The credit is huge, but it is all over the place depending on the carrier.

Same house, mainstream carriers:

- Heritage: $13,532 down to $3,803 (about 72% off)

- Universal: $10,358 down to $3,221 (about 69%)

- Citizens: $5,481 down to $2,797 (about 49%)

- Homeowners Choice: $5,588 down to $3,267 (about 42%)

- USAA: $8,532 down to $5,521 (about 35%)

(I dropped two high-net-worth carriers that quote over $80k on this home. They skew everything.)

So an inspection that runs maybe $150 can knock off anywhere from a third to more than two thirds of the premium, and the size of the reward depends on who you are with. It can even change which carrier is cheapest once mitigation is in.

For the holders here: when you actually pulled your wind-mit credit, did it land near these numbers? And did it move who was cheapest for you? I am trying to figure out how close the state's model numbers are to what people really see.