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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Updated Nov 07, 2022 Find your perfect provider
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Collapse Caret Up Rhode Island is the smallest state in the country, but homeowners in the Ocean State may face a variety of potential risks like wind, hail and hurricanes. On average, homeowners in Rhode Island pay $1,221 per year for a home insurance policy with $250,000 in dwelling coverage. However, some of the best Rhode Island homeowners insurance providers offer cheaper average rates. Collapse On This Page
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
Rhode Island is the smallest state in the country, but homeowners in the Ocean State may face a variety of potential risks like wind, hail and hurricanes. On average, homeowners in Rhode Island pay $1,221 per year for a home insurance policy with $250,000 in dwelling coverage. However, some of the best Rhode Island homeowners insurance providers offer cheaper average rates. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Key takeaways The average cost of homeowners insurance in Rhode Island is $1,221 per year for a policy with $250,000 in dwelling coverage. As a coastal state, Rhode Island houses may be vulnerable to flooding and wind and ice storms. Rhode Island is the smallest state in the country, but homeowners in the Ocean State may face a variety of potential risks like wind, hail and hurricanes. On average, homeowners in Rhode Island pay $1,221 per year for a home insurance policy with $250,000 in dwelling coverage. However, some of the best Rhode Island homeowners insurance providers offer cheaper average rates. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Key takeaways The average cost of homeowners insurance in Rhode Island is $1,221 per year for a policy with $250,000 in dwelling coverage. As a coastal state, Rhode Island houses may be vulnerable to flooding and wind and ice storms. Rhode Island is the smallest state in the country, but homeowners in the Ocean State may face a variety of potential risks like wind, hail and hurricanes. On average, homeowners in Rhode Island pay $1,221 per year for a home insurance policy with $250,000 in dwelling coverage. However, some of the best Rhode Island homeowners insurance providers offer cheaper average rates. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Key takeaways The average cost of homeowners insurance in Rhode Island is $1,221 per year for a policy with $250,000 in dwelling coverage. As a coastal state, Rhode Island houses may be vulnerable to flooding and wind and ice storms. Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X How Bankrate chose the best home insurance companies in Rhode Island
To find the best Rhode Island homeowners insurance companies, our editorial team researched and reviewed some of the in the state by market share. Then, each insurance company was evaluated using our unique methodology and assigned a Bankrate Score consistent with the findings. Bankrate Scores, which are out of 5.0 points, are based on features like financial strength, customer experience, claim handling, and online and mobile resources. We also pulled rate data from Quadrant Information Services to determine average premiums for each home insurance provider, and factored affordability into the Bankrate Scores. When comparing Rhode Island home insurance companies, using Bankrate Scores may make it easier to see how an insurer may stack up against its competitors. Many factors contribute to Bankrate Scores, so companies with the highest scores are typically well-rounded and excel in multiple areas, rather than standing out for one thing.
Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best home insurance companies in Rhode Island
According to our reviews and rate data from Quadrant Information Services, some of the best home insurance companies in Rhode Island are State Farm, Amica and Nationwide. These providers each have average rates below or near the state-wide average premium of $1,221 per year. In addition, State Farm and Amica are highly rated in . If you're in the market for the in Rhode Island, here are some companies that might be worth considering: Home insurance company Bankrate Score Average annual premium for $250K in dwelling coverage J.D. Power score AM Best rating 4.7 $616 829/1,000 A++ 4.2 $1,212 849/1,000 A+ 4.1 $1,021 816/1,000 A+ Not rated $885 N/A A- Not rated $1,129 N/A A+ This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Key takeaways The average cost of homeowners insurance in Rhode Island is $1,221 per year for a policy with $250,000 in dwelling coverage. As a coastal state, Rhode Island houses may be vulnerable to flooding and wind and ice storms. State Farm
Best for: Low rates Rhode Island homeowners who want to find some of the could consider State Farm. Based on average premium data from Quadrant, State Farm has some of the lowest home insurance rates, with an average premium of $616 per year for $250,000 in dwelling coverage. In addition, the company offers a handful of discounts, with potential savings for having an impact-resistant roof, bundling your policies and having protective devices installed in your home. State Farm may not be the best insurer for homeowners looking to customize their policy. The company does not offer as many add-ons, especially compared to some other insurers we reviewed. Learn more: Amica
Best for: Customer service Amica may not be the cheapest provider on our list, but the company could be a great choice for Rhode Island homeowners who value customer service. Amica received the highest official J.D. Power ranking in the nation for its customer service. The company also offers dividend policies, which could help you recoup up to 20 percent of your premium each year. There are also plenty of potential to help you control your rate, like multi-line, claim-free and loyalty. For homeowners considering a quote from Amica, the company can be reached at www.amica.com. Learn more: Nationwide
Best for: Add-on coverage Nationwide may be one of the best homeowners insurance in Rhode Island if you want to personalize your policy. The company offers , including coverage, identity theft and water backup coverage. The Better Roof Replacement option is a unique feature that could pay to repair or replace your roof with stronger, safer materials after a covered loss. The company also has a long list of discounts that might help you save on your premium. One of the drawbacks of Nationwide is that it was rated below average for customer satisfaction in 2022 by J.D. Power. Learn more: UPC Insurance
Best for: Discounts Rhode Island homeowners who are looking for a provider that offers specialty discounts could consider UPC Insurance. The company has low average premiums and offers a handful of discounts for installing home safety equipment, insuring a new home, bundling policies and more. UPC is also a good option for coastal homeowners. Policies have no mandatory hurricane deductible, and you can add public or private flood insurance to your policy. Potential customers should note that out of the Rhode Island home insurance companies we reviewed, UPC has a relatively low financial strength rating and is not rated by J.D. Power for customer satisfaction. Learn more: PURE
Best for: High value homes PURE Insurance specializes in insuring high value homes, so it may be a good option if you need more than $1 million in coverage or want protection for luxury items. Some of the perks that PURE offers include flexible rebuilding options (including a cash settlement), guaranteed dwelling replacement cost coverage, up to $50,000 in jewelry coverage, a deductible waiver and sewer/drain backup coverage. After a claim, PURE also provides a dedicated representative to help you find temporary housing, hire contractors and more. However, keep in mind that PURE's average rates are relatively expensive, and there aren't many discounts offered. Learn more: How much is homeowners insurance in Rhode Island
On average, Rhode Island homeowners insurance costs $1,221 per year for a policy with $250,000 in dwelling coverage. This is slightly less than the in the U.S. which is $1,383 per year for the same coverage amount. The cost of home insurance in Rhode Island is comparable to neighboring states. For example, home insurance costs an average of $1,274 per year in and $1,216 in . Like other homeowners in New England, Rhode Island homeowners have specific considerations when it comes to home insurance. For example, Rhode Island experiences some severe weather that could potentially damage homes. Due to its location along the coast, some homes in the state could be impacted by hurricanes and heavy winds, as well as hail storms, thunderstorms and even blizzards during the winter months. Home insurance rates in Rhode Island can be impacted by a variety of factors. When you apply for a policy, the insurance company may account for things like your home's age, credit score, claim history, the size of your home and the city and ZIP code to determine your premium.
Rhode Island City Average annual premium for $250K dwelling coverage Cranston $1,223 East Providence $1,205 Newport $1,322 Pawtucket $1,187 Providence $1,383 Warwick $1,272 Home insurance in Rhode Island
Rhode Island homeowners should be aware of the unique risks in the state. For example, hurricanes, flooding and storm surge damage may affect many Rhode Island homes during powerful storms. While major storms are not frequent in Rhode Island, shows that the state experienced six times between 1900 and 2019. The state capital of Providence also saw storm surge tides 9.4 feet above the typical high tide line during Superstorm Sandy in 2012. Common causes of loss in Rhode Island
Rhode Island does not experience severe weather as often as some other states. The climate is relatively mild year-round, with cold, snowy winters and hot, humid summers. However, there are some weather-related risks that homeowners should be prepared for. Here are some of the common causes of property loss in Rhode Island: Flooding: The entire state of Rhode Island has a for flood damage due to the state's position on the coast. Because floods are not covered by standard homeowners insurance, the risk of flooding does not affect home insurance premiums. However, it may influence which coverage options or add-on policies you choose to purchase. Wind and hail storms: Wind and hail storms are not uncommon in Rhode Island. Wind storms, especially in the summer, are often accompanied with strong thunder and heavy rain. In the cooler months, hail storms can cause damage to the siding of houses and roofs. Water damage: Other types of , including water backup and damage caused by rain, are relatively common in Rhode Island. Home insurance coverage options in Rhode Island
Most homeowners insurance policies in Rhode Island will include basic coverage types, like dwelling, personal property, other structures, liability, medical payments and loss of use coverage. In addition, you might want to consider purchasing endorsements or separate policies for more protection. These could include: Flood insurance: Flood damage is not covered by standard homeowners insurance policies. Some companies, like Narragansett Bay Insurance, offer a endorsement, but you will typically need to to obtain coverage. Water backup coverage: If water backs up into a sewer or drain line and damages your home or personal property, you will need this endorsement to have coverage. This type of damage is relatively common in basements and crawl spaces, but it can happen in any water or drain line. Debris removal coverage: This coverage could help to pay for the cost of removing debris from your property after a storm or other covered loss. Most policies have a standard amount of debris removal coverage, but you may want to increase your limits. Dwelling replacement cost coverage: This coverage is designed to pay you for the full rather than taking depreciation out of a settlement. Not all homes qualify, though, so be sure to talk to your provider about this option. Working with a licensed insurance professional may be helpful when you are choosing coverage. Agents typically have the additional expertise needed to assess your situation and help you choose appropriate endorsements and coverage levels. Frequently asked questions
There is not one homeowners insurance company in Rhode Island that is the best option for every resident. When shopping for coverage, making a list of the coverage options, discounts and features you are looking for might help you narrow down which providers to consider. You could then request quotes from companies that match the features on your list to find the option that is right for you.
Based on rate data from Quadrant, State Farm and UPC offer some of the cheapest average home insurance in Rhode Island. However, it's important to remember that home insurance premiums may vary different for everyone. Factors like your ZIP code, credit score, claim history, the size of your home and the age of your home could all impact cost. Because of that, most insurance professionals recommend you get quotes from multiple insurers to make sure you're getting the best rate for your situation.
To get homeowners insurance in Rhode Island, you will first need to . You can often get quotes online, but you may need to call a company or visit a local agency, depending on the insurance company. You will usually need your date of birth, address and information about your home, like its age, the age of its roof and details about any custom features. Once you have selected a quote that you want to purchase, you can work with a representative to start your policy.
You might. If you have a mortgage or any other type of home loan and you live in a flood zone, you'll likely be required to carry a flood insurance policy. Even if you aren't in a high-risk area or if your home is paid off, flood insurance might be a good idea. As a coastal state, all of Rhode Island has a relatively high flood risk. Flood damage can add up fast, so a policy could help you avoid high repair or rebuilding costs. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions.