Popular Questions about Homeowners Insurance in Rhode Island

On average, American homeowners pay $1,211 per year for their home insurance coverage. However, in Rhode Island, the average annual premium is higher at $1,446 a year.

Even though the price you are paying for home insurance may seem like a lot of money, having this coverage is important because hazards like severe weather events, accidental fires, and property crimes can result in expensive losses for Rhode Island homeowners who are not insured.

Your home insurance policy is designed to cover you against many of the hazards you are likely to face as a property owner in Rhode Island. Whether your looking at costs related to a fire, hurricane, hailstorm, or a rash of burglaries, you're covered if you have a suitable Rhode Island homeowners insurance policy. 

Let’s look at the kinds of coverage your Rhode Island policy can provide:

Pays to Repair or Replace Your Home and Your Belongings

  • Example: Lint build-up in your dryer vent causes a fire to start and part of your house as well as many of your belongings are completely destroyed by the flames.

Pays for Someone Else's Injuries or Property Damage When It's Your Fault

  • ExampleYour dogs gets loose and bites a neighbor, who needs to get stitches.

Pays for Temporary Living Expenses If Your Home Is Uninhabitable

  • Example: A hurricane causes a tree to topple onto your house and makes it unsafe for habitation. You need to stay in a hotel temporarily while repairs are made.

We can’t be 100% certain, but last year, insurance companies paid out more than $171 million in home insurance claims in the state of Rhode Island alone. That's a lot of unfortunate events happening to Rhode Island homeowners.

Insurance companies base their home insurance rates on how valuable your property is and how likely it is that something bad will happen to it. The higher the probability that a damaging event will cause you to experience property loss or damage, the more expensive your home insurance policy will be. These potential damaging events are called "risks” or “exposures.”

Let’s take a look at how risky Rhode Island is compared to the rest of the United States.

Crime:

The burglary rate in Rhode Island is lower than the national average. Insurance companies will look at crime rates in your ZIP code when determining how high your premiums will be.

  • Average number of burglaries per 1,000 homes in the US: 3.76
  • Average number of burglaries per 1,000 homes in Rhode Island: 3.59

Several insurance companies offer policy discounts to homeowners who have installed burglar alarms, deadbolt locks, and other security features in their homes. Talk to a local independent agent to learn whether you qualify for this or any other potential discounts.

Weather:

Severe weather events, including hurricanes and winter storms, can wreak havoc on residential properties in this state.

  • Number of federally declared disasters in RI since 1953: 25
  • Most common causes of disasters in the state: Hurricanes, snow, and severe storms
  • Average number of tornados per year in the state: 0.2
  • Amount paid in home insurance claims in RI in 2016: $171,045,000

Be sure that your home insurance provides all the coverage you need before disaster strikes.

Home Values:

  • Average home value in the US: $188,900
  • Average home value in RI: $257,800

No single insurance company is “best” for everyone. The insurance provider that offers you the best value is not necessarily the same company that is the best choice for your next-door neighbor.

That is why independent agents compare policies and rates from multiple companies to find the policy that is best able to meet your coverage and budgetary needs.

Yes! There are currently 151 independent insurance agents in Rhode Island who are ready to help you with all of your insurance coverage needs.

These agents work for you, not for a specific insurance company, so they are able to shop around to help you find a policy that provides all the coverage you need at a highly competitive price. Find an agent near you to get started.

How does home insurance work?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 4.69 per 1,000 homes

National average home value $188,900

National average home insurance cost $1,173 year

CityAvg. home valueBurglaries / 1,000 homesAnnual insurance cost
Coventry$280,1862.01$1,298
Cranston$245,6001.95$1,296
Cumberland$280,2291.51$1,415
East Providence$243,7851.43$1,147
Johnston$289,9001.98$1,294
Newport$750,0133.18$2,423
North Kingstown$434,7611.23$1,885
North Providence$280,2291.82$1,178
Pawtucket$250,3024.65$1,115
Providence$320,7765.17$1,219
South Kingstown$434,7611.10$1,948
Warwick$260,8501.69$1,135
West Warwick$280,1862.39$1,130
Westerly$350,3802.04$1,580
Woonsocket$197,4686.11$1,083
  1. $102
  2. Providence, RI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Providence is $102.
  4. Because your homeowners insurance is completely customized to you and your house, your actual monthly premium may be higher or lower than this average amount. Insurance companies consider your home’s size, value, and location, as well as other factors like your claims history and credit score, when they calculate your costs. 
  5. Winter storms in Providence have been known to cause significant damage to area homes. When heavy snows weigh down roofs, ice dams destroy gutters, and sub-zero temperatures cause pipes to freeze, this damage can be extremely expensive to repair. Fortunately, you can expect your home insurance to cover against damage caused by severe winter weather in this city.
  6. Consult an independent insurance agent in Providence to learn more.


  1. $108
  2. Cranston, RI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Cranston is $108.
  4. Keep in mind that what you may be actually asked to pay is likely to differ from this amount because rates are based on specific details about your property. Your rate will be calculated according to factors like the size and age of your house, the materials used in its construction, the crime rate and weather risks in your ZIP code, your claims history, and the size of your deductible 
  5. Windstorms can pose a quite problem in Cranston, particularly during hurricane season. In October 2019, a bomb cyclone pummeled New England, bringing with it damaging winds with gusts up to 90 mph. Cranston was one of the many cities that saw extensive damage from uprooted trees, downed power lines, and lost roof shingles. Fortunately, your homeowners insurance can cover the costs associated with repairing or replacing your property if a windstorm damages your home.
  6. Talk to a local independent insurance agent to get more information.


  1. $95
  2. Warwick, RI Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Warwick is $95.
  4. Your house is not the same as every other house in your neighborhood. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size, age, and value of your home, the age of your roof, your claims history, the amount of liability coverage you are purchasing, and the amount of your deductible. Your quoted rate for Warwick homeowners insurance may therefore be higher or lower than this average.
  5. The city of Warwick is vulnerable to hurricane damage. When hurricanes and tropical storms make landfall along the Eastern Seaboard, they can bring gusty winds, heavy rains, and storm surges to the area. Sometimes these storms also lead to flooding throughout the city. It is important to keep in mind that although homeowners insurance covers against hurricanes and tropical storms, it does not cover the accompanying flood damage. It is therefore a good idea to invest in a supplementary flood insurance policy through the National Flood Insurance Program (NFIP).
  6. An independent insurance agent in Warwick can show you how.


  1. $93
  2. Pawtucket, RI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Pawtucket is $93.
  4. Of course, not all Pawtucket homeowners pay the same amount for their home insurance. Your monthly rate is based on considerations such as the crime and weather risks in your ZIP code, the age, size and value of your home, the building materials used in your house’s construction, your claims history, and sometimes even your credit score.
  5. One of the most devastating things a homeowner can experience is a house fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings, including furniture, jewelry, clothing, electronics, and more. Homeowners insurance can’t bring back your irreplaceable items, but it can give you peace of mind through financial compensation so that you can afford to rebuild and replace and start over.
  6. An insurance agent in Pawtucket can help you review your dwelling and contents coverage levels to ensure that they are sufficient.


  1. $90
  2. Woonsocket, RI Monthly average home insurance cost
  3. The average monthly cost of home insurance in Woonsocket is $90.
  4. Homeowners insurance rates in can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home; the age of your roof; your claims history; and the crime rate and weather risks in the ZIP code in which your property is located.
  5. One of the potential hazards faced by homeowners in Woonsocket is property crimes. Despite its small size, this city has more than 250 burglaries reported every year, giving Woonsocket one of the highest burglary rates in the state. Fortunately, your homeowners insurance covers against property loss and damage to your home if you are the victim of a property crime.
  6. If your house is burglarized, your local independent agent can provide advice and assistance through the claims process.