As I was vacationing in the Florida Keys last week, I was reminded of those naughty hurricanes Donna, Betsy, Andrew, Frances, Jeanne and Wilma and the absolute need to armor your house against them. I was also reminded of the need to save money as I watched my wife return from shopping with bags upon bags of souvenir t-shirts, pirate-head coconuts, gourmet groceries, scented candles, and giant seahorses made out of driftwood. We know that hurricane shutters protect your most prized possession-your home-but they can also save you money by reducing your homeowner’s insurance rates. How? It’s as easy as 1, 2, 3.