Warwick Insurance Rates:

Warwick, RI home insurance is approximately $918 to $1,242, about $76-$103/month. Our detailed analysis shows customers can save as much as $432 by getting multiple quotes

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Warwick, Rhode Island Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Warwick Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $320/1 month for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $485,000

5 Beds, 5 Baths 4330 sqft Seasonal Residence Constructed In 1985 with Linoleum, Metal Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Male who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1840/7 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 2960 sqft Rental Property Constructed In 1962 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $800/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Baths 1590 sqft Seasonal Residence Constructed In 1982 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $1500/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Baths 2810 sqft Primary Residence Constructed In 1977 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $4690/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $685,000

5 Beds, 5 Baths 4920 sqft Vacation Property Constructed In 1946 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $640/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

3 Beds, 3 Baths 2300 sqft Seasonal Residence Constructed In 1976 with Ceramic Tile Flooring, Metal Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $760/4 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Baths 3430 sqft Primary Residence Constructed In 1983 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $2150/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 2970 sqft Seasonal Residence Constructed In 1967 with Wood Flooring, Shingles Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Married Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1050/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $210,000

4 Beds, 4 Baths 1980 sqft Seasonal Residence Constructed In 1977 with Hardwood Flooring, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $400/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $255,000

4 Beds, 4 Baths 1920 sqft Primary Residence Constructed In 1942 with Linoleum, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Female who is a Freelancer with household income of $100-$150,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Warwick Rates & Quotes Analysis:

Warwick Area Estimated House Insurance
Lisa Ln, Hutchinson St, Fairmount Dr, Northbridge Ave, Buttonwoods Ave, Curry Pl, Blade St, Sycamore Ave, Grandview Dr, Shadbush Rd$1,083
Drowne St, Grotto Ave, Wethersfield Dr, Wingate Ave, Gertrude Ave, Jackson St, Judith Ave, Merle St, Cliff Rd, Fowler Ave$1,069
Ext, Claris St, Gainsville Dr, Love Ln, Hesper Dr, Miantonomo Dr, Agawam Ave, Terrace Ave, Blue Hill Dr, Overlook Dr$1,133
Jennison Rd, Great Hill Dr, Anoka Rd, Ontario Ave, Bush Ave, Shippen Ave, Millard Ave, Lord Rd, June Ave, Royal Ave$1,071
Chester Ave, Euclid Ave, Saint George Ct, Hunter St, Benjamin St, Lerner St, Williamsburg Dr, Otis St, Patience Ct, Pocahontas Dr$1,104
Briarcliff Ave, Toledo Ave, Fountain Ave, Fuller St, Bruce Ln, Bowler Rd, Andover Dr, 15th Ave, Wharf Rd, Wickes Ct$1,069
Major Potter Rd, Burt St, Anscot Ct, Locust Ave, Nicolas Ln, Soule St, Worth St, Overbrook Ave, Garfield Ave, Ladderlook Rd$1,080
Samuel Gorton Ave, Spadina Ave, Lovell Ave, Tyler St, Center Ct, Mark Allen Dr, Fletcher St, Fieldview Dr, Bakers Creek Rd, Marple St$1,067
Tex Ct, Winston Ave, Channing St, Kent Ave, Fir Glade Dr, Silent Dr, Hiawatha St, College Hill Rd, Whitehall Dr, Amsterdam Ave$1,081
Polk Rd, Montgomery St, Willing Ave, Roosevelt St, Cushing Rd, Hartford Pl, Larkspur Rd, Ellsworth St, Metcalf St, Glendale Ave$1,078

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,240 Homes (21% of total) built between 1939 or earlier in Warwick are paying home insurance between $2,312-$2,328 and differs from Barrington (+$169), Cranston (+$15), East Greenwich (+$210), West Warwick (-$12) and Seekonk(MA) (-$70).
  • Bedrooms: 5,584 1 bedroom homes (15% of total homes ) in Warwick are paying about $486 compared to Barrington (+$25), Cranston (+$4), East Greenwich (+$45), West Warwick (-$12) and Seekonk(MA) (-$130).
  • Auto Insurance Bundling: 6,225 Households (24% of all households) in Warwick have 3 or more vehicles available and when it is bundled with home insurance you can save $270. Discounts for similar bundling in close by locations such as West Warwick, Barrington, Cranston come to $269, $290, $271 respectively.
  • Senior Discounts: 12,698 seniors (more than 55 years) occupied housing units (49% of total) in Warwick get discounts between $161 to $164. The comparative concessions in proximate regions such as West Warwick, Barrington and Cranston are $161, $174 and $163 respectively.
  • New Homes discounts: New homes such as the 11,903 homes built between 2000 to 2009 in Warwick can save $216 and similar new home insurance discounts in nearby towns and cities like West Warwick, Barrington and Cranston are $215, $232 and $217 respectively.

Warwick Homeowners insurance Facts

  • Warwick, RI has 25,687 owner occupied houses which is 72.8% of all units whereas West Warwick, Barrington and Cranston have 54.26%, 87.16% and 66.19% respectively.
  • Warwick, RI homeowners yearly insurance price at $1,080 is 0.49% of the typical house value of $219,800 which is in contrast with 0.51% in West Warwick, 0.29% at Barrington & 0.46% in Cranston.
  • Homeowners in Warwick, RI pay 1.6% of their income ($60,000 to $74,999) in insurance whereas homeowners in West Warwick, Barrington and Cranston pay 1.59%, 1.72% and 1.61% respectively.
  • Warwick, RI’s insurance is 5.0% of monthly housing costs of $1,791/month, for owners with a mortgage compared to 4.89% in West Warwick, 3.81% at Barrington & 4.74% in Cranston. But, for households without a mortgage, insurance is 14.4% of costs ($626 in Warwick, RI) in contrast with 13.17% in West Warwick, 9.89% at Barrington & 13.19% in Cranston.

Warwick, RI Home Values & Insurance rates

For example, insurance for 3,573 Homes (15.0% of total homes ) valued between $175,000 to $199,999 in Warwick, RI is about $918. Rates in nearby areas in such as Barrington, Cranston, Bristol County are cheaper by $385, $60, $306 respectively while West Warwick and Providence are costlier by $28 and $19 respectively for similar homes.

Warwick, RI Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 589 2.0% $118
$90,000 to $99,999 272 1.0% $464
$100,000 to $124,999 1,008 4.0% $540
$125,000 to $149,999 1,189 5.0% $669
$150,000 to $174,999 3,091 13.0% $788
$175,000 to $199,999 3,573 15.0% $918
$200,000 to $249,999 7,304 30.0% $1101
$250,000 to $299,999 3,348 14.0% $1350
$300,000 to $399,999 3,042 12.0% $1717

Renters Insurance in Warwick

  • Average Renters Insurance in Warwick :  $192($16/month)

  • Median Gross Rent in Warwick :  $1,032

  • Warwick Renters Insurance to Median Rent Ratio:  1.55%

  • Average household size of renter-occupied unit :  1.79

Warwick Renters Insurance as a Percentage of Rent

Warwick Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 174 1.0% $348
$200 to $299 601 6.0% $798
$300 to $499 660 7.0% $1248
$500 to $749 755 8.0% $1923
$750 to $999 2,165 23.0% $2673
$1,000 to $1,499 3,687 39.0% $3798
$1,500 or more 1,315 14.0% $5448

Rent Affordability in Warwick:

Approximately 42.0% (4,079) of households are spending more than 35% of their income on gross rent in Warwick

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 958 9.0%
15.0 to 19.9 percent 1,312 13.0%
20.0 to 24.9 percent 1,142 11.0%
25.0 to 29.9 percent 1,116 11.0%
30.0 to 34.9 percent 977 10.0%
35.0 percent or more 4,079 42.0%

Warwick Renters Insurance Discounts:

Warwick Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Warwick, RI Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,478 57.0% $19.2
2 vehicles available 2,214 23.0% $28.8
3 or more vehicles available 558 5.0% $38.4

Warwick Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 620 6.0% $103
60 to 64 years 625 6.0% $82
65 to 74 years 819 8.0% $67
75 years and over 1,753 18.0% $51

Protective device discount in Warwick Up to :  $28

Claims-free discount in Warwick Up to :  $38