4.5/5 stars Read Reviews
Call Us Now: The days of shopping for Rhode Island home insurance with multiple agents are over. Compare multiple quotes with our licensed homeowners insurance experts and find the best premium and the most comprehensive coverage available in Rhode Island. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
The average Rhode Island homeowners insurance rate in 2008 was $897.00. 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 homeowners 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. |
Rhode Island Homeowners Insurance News
- Rhode Island home damaged by falling treeFriday, December 23, 2011
- Federal flood insurance program receives an extensionMonday, April 19, 2010
- Northeast storms break records Wednesday, March 31, 2010
Other Rhode Island Homeowners Resources:
- Home Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Rhode Island
- Disaster Preparedness Guide- Make sure your home and family is protected.
- Are you qualifying for all available discounts in Rhode Island? Check out our list of available home insurance discounts.
Search for home insurance in your Rhode Island county:
Customer Reviews in Rhode Island
For additional information about specific insurance laws in Rhode Island, visit the Rhode Island Department of Business Regulation website.
