Finding competitive, low cost home owners insurance quotes in Rhode Island does not have to be a chore. At HomeInsurance.com, you can fill out one form to get a low rate on comprehensive Rhode Island home insurance coverage. Rest assured knowing our team of Rhode Island licensed insurance consultants are standing by to give you top notch advice on homeowner insurance coverages and rates in your area.
The average Rhode Island home owners insurance rate in 2006 was $919.00. It appears that rates have increased over the past 3 years, so make sure you shop your Rhode Island home insurance policy today.
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on your Rhode Island homeowners insurance. Be sure to review your home insurance policy with your local Rhode Island insurance agent regularly to ensure that you are qualifying for all available discounts. Also, check your Rhode Island home owner insurance policy to be sure you are still getting the coverage you need for your home and family.
Standard Rhode Island Home Insurance Coverages
| A | Dwelling: A standard Rhode Island homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Rhode Island home insurance policy |
| C | Contents/Personal Property: A Rhode Island home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Rhode Island home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Rhode Island, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Rhode Island MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Other Rhode Island Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Rhode Island home insurance policy? Quiz yourself!
- homeowners insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Rhode Island
- Rhode Island Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Rhode Island county:
For additional information about specific insurance laws in Rhode Island, visit the Rhode Island Department of Business Regulation website.
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