Harry E Bray Insurance
6926 Old NC Hwy 86 N, Providence, NC 27315
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6926 Old NC Hwy 86 N, Providence, NC 27315
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Providence residents.
Providence drivers pay 35% more for auto insurance. Learn about RI's 25/50/25 minimums, why rates are higher, and how to save on coverage in 2025.
Most homeowners in Providence should seriously consider flood insurance. The severe flooding in September 2023 led to a federal disaster declaration, and standard homeowners policies don't cover flood damage. Even if you're not in a designated flood zone, flood insurance through the National Flood Insurance Program is often just a few hundred dollars annually and provides crucial protection against one of Rhode Island's most common natural disasters.
Providence homeowners pay an average of $2,420 per year for home insurance, which is about $202 per month. This is higher than Rhode Island's state average of $1,650 but comparable to the national average. Your actual cost depends on your home's value, coverage limits, deductible, credit score, and available discounts.
Yes, standard homeowners insurance typically covers damage from frozen or burst pipes, which averages $11,650 per claim in Rhode Island. However, coverage may be denied if you leave your home vacant during winter without maintaining adequate heat or having someone check the property regularly. Most insurers require you to keep heat at least at 55 degrees when you're away.
Historic homes in districts like College Hill and Federal Hill often need guaranteed replacement cost coverage or ordinance and law endorsements. These ensure you can rebuild with period-appropriate materials and meet historic preservation requirements, which cost more than standard replacements. Properties in Providence's eight local historic districts must comply with Historic District Commission regulations, making specialized coverage essential.
No, if you're renting your property to students, you typically need a landlord or dwelling fire policy instead of standard homeowners insurance. Rental properties have different risk profiles and require different coverage. You should also consider higher liability limits—at least $300,000 or an umbrella policy—since more occupants increase the risk of accidents and injuries.
Standard homeowners policies typically cover damage caused by ice dams, including water that leaks into your home when ice blocks proper drainage. However, prevention is much cheaper than filing a claim. Proper insulation, adequate ventilation, and removing snow from your roof after heavy storms can prevent ice dams from forming in the first place.
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