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
East Providence$243,7851.43$1,147
North Kingstown$434,7611.23$1,885
North Providence$280,2291.82$1,178
South Kingstown$434,7611.10$1,948
West Warwick$280,1862.39$1,130