Check with your insurance agency to see if they give discounts for any items such as roof type, hurricane shutters, monitored alarm/security system, or multi-discount (meaning auto and home). Make sure you are getting all the discounts you qualify for. If your agency is going to increase your rates, it wouldn't hurt to shop around and compare rates with other agencies. We use AAA. They represent several different agencies and can give you a quote on the best rate. Make sure you are getting the same coverage though.