Oceanstate Insurance Agency, Inc.

08/20/2026

YouTube Video:
3 Home Upgrades That Can Lower Insurance Premiums

If you plan on making improvements to your house, it is important to know what may positively or negatively affect your homeowners insurance policy.

Renovations, repairs, or any changes to the structure may affect the value of your home, which can change your policy.

Here are the 3 most common home upgrades that could lower your insurance premium:
1. A New Roof
The roof is considered the single biggest factor affecting your policy. The more secure and up-to-date your roof Is, the deeper the discount.

Hip roofs with a double wrap roof-to-wall connection is the best option and can significantly lower your premium.

Note: Credits on your premium may also depend on your state and where your home is located.

2. A Better Security System

You may qualify for credits if you install certain smart home safety devices that can help protect your property.
Systems or devices:
Burglar Alarm System
Smoke Detectors
Fire Alarm
Fire Extinguishers
Sprinkler System
Installing a burglar alarm or home security system could save you the most on your premium. These systems can alert the proper authorities immediately in the event of a home invasion.

3. Plumbing and electrical

Renovating or repairing your home could provide a great opportunity to update your plumbing and electrical wiring.

Electrical fires and water-related damages are at the top of the list for the most common home insurance claims. An update can substantially lower your risk of a claim.

3 Home Upgrades That Can Lower Insurance PremiumsIf you plan on m...

08/20/2026

Here are the 3 most common home upgrades that could lower your insurance premium:

1. A New Roof

The roof is considered the single biggest factor affecting your policy. The more secure and up-to-date your roof Is, the deeper the discount.

Hip roofs with a double wrap roof-to-wall connection is the best option and can significantly lower your premium.

Note: Credits on your premium may also depend on your state and where your home is located.

2. A Better Security System

- Burglar Alarm System
- Smoke Detectors
- Fire Alarm
- Fire Extinguishers
- Sprinkler System

3. Plumbing and electrical

Renovating or repairing your home could provide a great opportunity to update your plumbing and electrical wiring.

Electrical fires and water-related damages are at the top of the list for the most common home insurance claims. An update can substantially lower your risk of a claim.

If you're making improvements to your house, it's important to know what may affect your homeowners insurance policy.

07/22/2026

🌞☔ Florida summer storms roll in fast! While those afternoon downpours are great for the grass, they can be tough on our homes and commercial properties. Are you 100% confident your policy covers weather-related water damage, roof leaks, or wind? 🤔Let the team at Ocean State Insurance Agency do the heavy lifting for you! As an independent agency, we shop multiple top-rated carriers to find you the best coverage at the most competitive rate in the Sunshine State. 🌴🛡️📲 Don't wait for the next heavy storm to find out if you're protected. Message us here or call us at (904) 246-1829 for a FREE, no-obligation policy review today! Learn more about how we can help you at: https://oceanstateins.com/

Independent insurance agency in Jacksonville Beach Florida offering car, home, business, liability and flood insurance.

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Jacksonville Beach in 1975

Photo credit: Marv Sloben / State Library and Archives of Florida

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