With the cost of home insurance skyrocketing, especially in coastal areas vulnerable to hurricanes and flooding, second homeowners are facing even higher premiums. But there are ways for them to trim their monthly premiums.

Vacation homeowners qualify for discounts if they add hurricane protections to their homes, said Teri Johnston, the president of Fair Insurance Rates in Monroe, a consumer advocacy group based in the Florida Keys.

Hurricane shutters and improvements that help strengthen roofs are on the checklist of “hurricane mitigation additions,” or improvements that can shore up a home and trim insurance costs. By taking those measures, Ms. Johnston said, “you can lower premiums by 45 percent” off the highest rates.

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