Stop paying sky-high premiums for a house that's begging insurers to slap on surcharges. In Insurance-Discount Retrofits, construction pro Owen Hatcher hands you a toolbox-friendly roadmap to slash 10 - 55 % off home-insurance bills-without hiring a five-figure contractor. From hurricane-grade storm clips to DIY flood barriers and ember-proof roofing, you'll get step-by-step projects, materials checklists, code tips, and photo guides that turn weekend sweat into long-term savings. Learn how to:

• Bolt in roof straps, shutters, and wall bracing that insurers love.
• Swap to fire-resistant shingles and seal vents against flying embers.
• Install basement and doorway flood defenses rated by underwriters.
• Add smart alarms and leak sensors that unlock instant policy credits.
• Document every upgrade so your provider can't deny the discount.

Stack rebates, state incentives, and premium cuts until the projects pay for themselves-then keep pocketing the difference year after year.