RI homeowners insurance will replace both your home and belongings. It also includes liability insurance against injuries or property damage caused by family members or household pets. Property insurance will also cover temporary living expenses while you live away from home because of a natural disaster.

Rhode Island homeowner insurance provides protection against fire, hurricanes, hail and lightning in addition to other natural disasters that are specified in the policy. However, you will need a separate policy for earthquakes and floods which are normally not covered by a standard home insurance policy. Rhode Island home insurance rates will not cover losses caused by poor maintenance.

There are three key points that will affect the cost of property insurance in RI:

1. The location of the property may affect home insurance rates. RI properties should also be protected against ice, sleet and snow.
2. Effective loss-control measures can control the premium for RI homeowners insurance. This most commonly refers to an alarm system.
3. RI house insurance should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of RI homeowner insurance companies

Obtaining multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Complete the form for your home at Insure.com to get quotes for home insurance rates. RI rates can also be found at All Options Insurance by entering your zip code.

Find RI house insurance brokers who represent major carriers

Obtain Rhode Island homeowners insurance rates through an agency. The agency represents a major carrier in the state and can make a recommendation based on the specific needs of your situation.

I recommend: Nationwide has agents throughout the country and has an agent search capability by name or location. Go to Allied Insurance and enter your zip code and search radius for a list of insurance agents in your area.

Get Rhode Island homeowners insurance rates from a local agent

Contact Rhode Island property insurance companies rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you. This method allows you greater flexibility and control over your home insurance needs.

I recommend: Carey, Richmond & Viking Insurance is based in Rhode Island and is a leading independent insurance agency in Southern New England. Botelho & Associates is in Warwick and provides a complete range of insurance and financial services to individuals in Rhode Island.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Rhode Island property insurance will cover the contents of your house up to a specified percentage of the value of your home. You should conduct a home inventory to determine if replacement cost for the contents of your home exceeds this value. If you have a substantial amount of number of belongings outside of your home, you should consider off-premises coverage.