Popular Questions about Homeowners Insurance in Rhode Island

Rhode Island is the 6th most expensive state to buy home insurance in. The average annual premium for home insurance in Rhode Island is $1,551, coming in higher than the national average of $1,211 annually. Your exact pricing could be more or less than this figure and will be based on your individual risk.  

In Rhode Island, you won't have to obtain homeowners insurance due to state law. You will have to get coverage if you have a lender, mortgage, or other financially invested parties on your property. Since Rhode Island had 171,045,000 home insurance claims paid in one year alone, the right protection can help avoid major loss. 

The best home insurance carrier will be determined by your individual needs. In Rhode Island, some of the highest-rated are Progressive, Selective, and Main Street America insurance companies. These markets are well known and have reserves to pay for claims, which makes them a trustworthy option when choosing coverage.

Rhode Island homeowners insurance premiums are based on your unique risk factors. Carriers look for personal data as well as outside elements when quoting your coverage. The local crime rate is taken into consideration as well. Rhode Island has a burglary rate of 2.66 per 1,000 people, which can impact your home insurance costs.    

Natural disasters happen every day and the most common will affect your home insurance pricing. Check out which catastrophes are reported in Rhode Island regularly:

  • Hurricanes and other tropical storms
  • Heavy snow
  • Severe storms and lightning
  • Wind damage
  • Burglary and other property crimes 

Yes, Rhode Island comes in strong with 151 local independent insurance agencies ready to help. Each has dozens of carrier options so you get the best policy for an affordable price. 

Do You Know What Your Rhode Island Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 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 damage caused by severe winter weather in this city.


  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.


  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).


  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.


  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 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.