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Rhode Island Homeowners Insurance

As a resident of the Ocean State, you are no stranger to the erratic weather conditions of Rhode Island. Undoubtedly, you will want to protect your home from potential weather threats, as well as damage caused by theft, fire and other calamities.

InsureMe is here to help you find the right Rhode Island homeowner's insurance to protect your home from disaster. Simply enter your information to the right and receive up to five free quotes on Rhode Island homeowner's insurance!



Learn to Protect Yourself with Rhode Island Homeowners Insurance


What is Rhode Island homeowner's insurance?

Rhode Island homeowner's insurance is a package policy that provides financial coverage for damage caused to your home, as well as any legal action taken against you by someone who has injured themselves on your property.

Can I own a home without Rhode Island homeowner's insurance?

The State of Rhode Island does not require its residents to carry Rhode Island homeowner's insurance. However, if you have taken out a mortgage for your home, your lender will most likely require you to buy some form of Rhode Island homeowner's insurance. This protects their investment in case your home is destroyed or damaged.

After you pay off your mortgage, you may cancel your Rhode Island homeowner's insurance, but doing so will put your home at great risk. 

What kinds of Rhode Island homeowner's insurance are available?

The three most common forms of Rhode Island homeowner's insurance are Basic, Broad and Special.

Basic—protects your dwelling from 11 basic perils including fire or lightning, hail or windstorm and theft or vandalism.

Broad—an extended form of basic coverage; protects your dwelling from the basic 11 perils plus six more. Additional perils include building collapse, damage from weight of snow or ice and water damage from household appliances.

Special—the most common form of Rhode Island homeowner's insurance. It protects your dwelling from all perils with the exceptions of earthquakes and flood.

How can I get coverage for flood damage if it isn't included in my Rhode Island homeowner's insurance?

Most Rhode Island homeowner's insurance agents will be able to sell you some form of flood insurance. If they are not, you may purchase flood insurance through the National Flood Insurance Program (NFIP) at (800) 427-4661.

How much will my Rhode Island homeowner's insurance cost?

According to the Insurance Information Institute (I.I.I.), the premium for your Rhode Island homeowner's insurance will be determined by consideration of the following factors:

  • The square footage of your house and additional structures on your property
  • The building costs in your area
  • The materials your dwelling is made out of
  • The amount of crime in your neighborhood
  • The likelihood of natural disasters, such as flood and hurricane
  • How far your home is from a water source or fire department

With all those factors, how can I save myself money on Rhode Island homeowner's insurance?

According to the I.I.I., you can save money on your policy by doing the following:

Ask for discounts—you may receive discounts for insuring your vehicle with the same company, or by increasing safety measures in your home.

Inquire about group plans—if you participate in a group insurance plan through your employer, check to see if the rates through your group plan are cheaper than purchasing outside of the group.

Insure your home for the replacement cost—your home is likely to be more costly to rebuild than the price you bought it for. If disaster strikes, this will save you money in the long run.

Review your policy annually—If you've auctioned off Aunt Dorothy's $4,000 fur coat, you no longer need coverage to protect it. Review your policy and make sure you're not paying for coverage you don't need.

The Number One Way to Save on Rhode Island Homeowners Insurance is to Shop Around!

Comparing quotes on Rhode Island homeowner's insurance is the only way to guarantee that you are getting the best price.

Let InsureMe help. Simply enter your information to the right and find Rhode Island homeowner's insurance today!


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