Enter your ZIP code:

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!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!   
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6538
54 Wisconsin Home Insurance youcomparequotes 6823
53 West Virginia Homeowners Insurance youcomparequotes 6411
52 Washington, D.C. Home Insurance youcomparequotes 8046
51 Washington Home Insurance youcomparequotes 6143
50 Virginia Home Insurance youcomparequotes 6355
49 Vermont Homeowners Insurance youcomparequotes 6774
48 Utah Homeowners Insurance youcomparequotes 6109
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7092
46 Texas Home Insurance Quotes youcomparequotes 6606
45 Tennessee Homeowners Insurance youcomparequotes 8200
44 South Dakota Homeowners Insurance youcomparequotes 6860
43 South Carolina Homeowners Insurance youcomparequotes 6155
» Rhode Island Homeowners Insurance youcomparequotes 6362
41 Pennsylvania Home Insurance Quotes youcomparequotes 6572
40 Oregon Home Insurance Quotes youcomparequotes 12691
39 Oklahoma Homeowners Insurance youcomparequotes 6578
38 Ohio Home Insurance Quotes youcomparequotes 6881
37 North Dakota Homeowners Insurance youcomparequotes 6300
36 North Dakota Home Insurance youcomparequotes 6186
35 North Carolina Homeowners Insurance youcomparequotes 10762
34 New York Home Insurance Quotes youcomparequotes 6857
33 New Mexico Homeowners Insurance youcomparequotes 6680
32 New Jersey Home Insurance youcomparequotes 6249
31 New Hampshire Home Insurance youcomparequotes 6321
30 Nevada Home Insurance youcomparequotes 6455
29 Nebraska Home Insurance youcomparequotes 6298
28 Montana Home Insurance youcomparequotes 6666
27 Missouri Home Insurance Quotes youcomparequotes 6342
26 Mississippi Home Insurance youcomparequotes 6420
25 Minnesota Home Insurance Quotes youcomparequotes 6582
24 Michigan Home Insurance Quotes youcomparequotes 6715
23 Maryland Home Insurance youcomparequotes 6582
22 Maine Homeowners Insurance youcomparequotes 6393
21 Louisiana Homeowners Insurance youcomparequotes 6743
20 Kentucky Homeowners Insurance youcomparequotes 6189
19 Kentucky Home Insurance youcomparequotes 6550
18 Kansas Homeowners Insurance youcomparequotes 6773
17 Iowa Homeowners Insurance youcomparequotes 6225
16 Indiana Homeowners Insurance youcomparequotes 6584
15 Illinois Home Insurance Quotes youcomparequotes 7254
14 Idaho Home Insurance youcomparequotes 6403
13 Hawaii Home Insurance youcomparequotes 6416
12 Georgia Home Insurance youcomparequotes 6557
11 Florida’s Home Insurance Headache youcomparequotes 7770
10 Florida Home Insurance Quotes youcomparequotes 6509
9 Delaware Home Insurance youcomparequotes 6076
8 Connecticut Homeowners Insurance youcomparequotes 6374
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10938
6 Colorado Home Insurance Information youcomparequotes 7019
5 California Home Insurance youcomparequotes 6584
4 Arkansas Home Insurance youcomparequotes 6599
3 Arizona Home Insurance Quotes youcomparequotes 7624
2 Alaska Homeowners Insurance youcomparequotes 6300
1 Alabama Homeowners Insurance youcomparequotes 6239
XE Login