Rhode Island Fire Insurance

Find the right fire insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Fire can be a useful tool. But it can also be one of the most destructive forces of nature ever known. A brush fire, if not contained quickly, can get out of control and char a significant portion of Rhode Island in mere hours. And considering the various ways that a fire can start, there are very few vehicles, structures or patches of land that aren’t at some risk of suffering damage or loss. Rhode Island fire insurance can protect you from financial risk associated with fire.

While your standard homeowners, vehicle and renters insurance policy can protect you from fire in most cases, there may be exclusions or gaps in your fire coverage that you should know about.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


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Rhode Island Fire Insurance Defined

Rhode Island fire insurance protects your assets from a major fire event, which causes loss or damage to your home, vehicles, or possessions. These policies generally pay you for the value of the damaged or lost asset, at the value determined just before the fire. For this reason, it is important to be sure your policy is always up to date, and that your home, cars, and possessions are accurately accounted for, especially after major purchases or a life change, such as a marriage.

You probably have fire coverage as part of your comprehensive vehicle or homeowners policy as well as some renters policies, but not every fire event is covered by every policy. For example, some fire policies exclude damage caused by forest fire, but cover a total loss caused by a kitchen fire. It is important to know your risks of fire damage or loss and ensure that your policy covers those risks.

Fire Insurance Coverage

Rhode Island fire insurance generally provides coverage for most devastating fires, especially those that were accidental or caused by arson, by someone not living in the home. Most fire insurance policies in Rhode Island have a certain amount of risk built into them, and only the more catastrophic fires may not be covered. For example, if you live near an area prone to brush fires, coverage may be hard to find, and will probably cost more than you would pay to insure a home in the city.


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Our independent agents shop around to find you the best coverage.

Costs and Quotes for Fire Insurance

Should you need a fire policy, your Trusted Choice® member agent can do much of the work for you, researching the dozens of companies available to provide coverage, ensuring you get the best variety of Rhode Island fire insurance quotes.

A member agent can evaluate your situation and your risk for loss to determine the right amount of coverage to fit your needs. With that knowledge in hand, you can rest assured that you have the best coverage for your needs and budget. Contact a local agent today for personalized assistance with your fire coverage.

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