Homeowners Insurance Rhode Island

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Average Homeowners Insurance in Rhode Island: $1,092

Median Home Price in Rhode Island: $249,000

Rhode Island homeowners insurance rates in December 2013 stood at an average of $1,092 as compared to $0 in November 2013.

Insurance Premium Saving Tips in Rhode Island

  • Bundle your insurance:

    Bundling home and car insurance in Rhode Island with the same provider will have approximately $109 to $164 of savings in Rhode Island

  • Safety Systems:

    Having safety systems at home can save up to $191 in Rhode Island

  • New Home:

    If your home was built within the past 10 years in Rhode Island, you could save up to $218

  • Senior Discounts:

    Senior citizens (55 or older) in Rhode Island could save approximately $218

Homeowners insurance cost by coverage

Insurance rangeAverage homeowners insurance cost($)
$49,999 and Under789
$50,000 to $74,999582
$75,000 to $99,999697
$100,000 to $124,999787
$125,000 to $149,999865
$150,000 to $174,999905
$175,000 to $199,999975
$200,000 to $299,9991,152
$300,000 to $399,9991,467
$400,000 to $499,9991,806
$500,000 and Over2,562

Renters insurance cost by coverage

Insurance rangeAverage renters insurance cost($)
$13,999 and Under114
$14,000 to $19,999124
$20,000 to $25,999165
$26,000 to $31,999198
$32,000 to $37,999215
$38,000 to $43,999238
$44,000 to $49,999244
$50,000 to $74,999280
$75,000 to $99,999 341
$100,000 and Over460

Average homeowners insurance by county

CountyHome Insurance Cost
Providence County$924 to $1251
Kent County$922 to $1249
Newport County$971 to $1320
Bristol County$962 to $1307
Washington County$958 to $1299

Recent home insurance reviews

Company: State Farm,
Location: None

It pays to protect the place you call home. With homeowners insurance from State Farm®, you can rest easy knowing that your home and personal property is completely covered and that we're available to help you 24/7 online or by phone. We provide homeowners with customized coverage and a host of discounts for multiple-line policies and everyday safety items like fire extinguishers, so you can rest assured that you're getting great value as well as great protection. Find out how Nancy can identify your insurance needs and Rhode Island is the second most high-risk state in the country for natural disasters, according to a study conducted by Providence Business News. From hurricanes to blizzards, Rhode Island homeowners experience it all — and at a very close proximity to the coastline.

It’s no surprise, therefore, that this small state has some pretty big homeowners insurance premiums. In 2012, the average premium rate in the Ocean State was $1,233 — $200 above the national average for that year.

While price is an important factor to consider when shopping around for a Rhode Island homeowners insurance provider, residents should also weigh factors such as the breadth of coverage options and claims services reputations of companies. To help you find the right company for your home and budget, we’ve outlined our picks as well as included an online quote tool so you can easily get started comparing policies and prices!

Home Insurance Monthly Trends

The below graph compares Rhode Islands home median prices against, renters and owners home insurance average rates in Rhode Island.

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