Newport, RI homeowners insurance is roughly $978 to $1,342, about $81-$111/month. Our extensive guide reveals consumers can save as much as $464 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Newport, RI | Homeowners Insurance Agency Near Newport, RI | Address |
|---|---|---|
| Travelers | Michael J Costa Insurance Agency Inc | 10 TAUNTON GREEN, TAUNTON, MA, 2780 |
| Travelers | Oceanpoint Insurance Agency Inc | 73 VALLEY RD STE 1, MIDDLETOWN, RI, 2842 |
| Travelers | Charniak Insurance Agency | 274 MAIN STREET, WEBSTER, MA, 1570 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Newport County, Rhode Island | $143 | $191 | $286 |
| Newport East CDP, Rhode Island | $141 | $187 | $281 |
| Middletown town, Newport County, Rhode Island | $142 | $189 | $284 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Newport, RI | 4.4% | 12.5% |
| Newport County | 4.52% | 12.87% |
| Newport East | 4.77% | 13.32% |
| Middletown | 4.46% | 12.84% |
| Newport Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 141 | 2.0% | $316 |
| $200 to $299 | 491 | 8.0% | $766 |
| $300 to $499 | 381 | 6.0% | $1216 |
| $500 to $749 | 534 | 8.0% | $1891 |
| $750 to $999 | 755 | 12.0% | $2641 |
| $1,000 to $1,499 | 2,096 | 34.0% | $3766 |
| $1,500 or more | 1,599 | 26.0% | $5416 |
| Streets in Newport Area | Homeowners Insurance Cost |
|---|---|
| Pearl St, Barney St, Young St, Bancroft Ave, Ranger Rd, Cypress St, Potter St, Church St, Oakwood Ter, Hall Ave | $1,188 |
| Tyler St, Clinton Ave, Swinburne Row, Appleby St, Bedlow Ave, Washington Sq, Cottage St, Apthorp Ave, Lincoln St, Beacon Ct | $1,142 |
| Gordon St, N Baptist St, Highland Pl, Kyle Ter, Morton Ave, Kempsen St, Hoppin Rd, Sheffield Ave, Pleasant St, Meikle Ave | $1,179 |
| Canonicus Ave, Manning Ter, Hammond St, Kilburn Ct, Pell St, Bowery St, E Bowery St, Houston Ave, Brewer St, Smith Ave | $1,165 |
| Cherry Creek Rd, Veteran's Cir, Kay Ter, W Marlborough St, Gibbs Ave, Chapel St, Mary St, Freebody St, Pine St, Hazard St | $1,177 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Newport | $172 to $175 |
| Newport County | $171 |
| Newport East | $169 |
| Middletown | $170 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,600 | $3,600 |
| Yearly Newport Homeowner Insurance Premium Example | $2,100 | $1,700 |
| Out of Pocket Expense During Claim | $1,600 | $3,600 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $16,300 | $15,500 |
| Net Savings to Newport Home Owner from High Deductible Plan | $800 | |
| Scenario | Newport, RI Home Replacement Value MORE than Home Value | Newport, RI Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $419,000 | $293,000 |
| Insurance Premium based on Replacement Value | $4,900 | $3,425 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $78,000 | Risk Exposure from Under Insuring Coverage is $48,000 |
| Premium Impact | Insurance cheaper by $550/year | Insurance costlier by $925/year |
| Insurance Company | State Farm | Amica Mutual Insurance Company | Liberty Mutual |
| Monthly Premium | 197 | 296 | 434 |
| Year Built | 1948 | 1945 | 1943 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $300000-$350000 | $300000-$350000 | $900000-$1000000 |
| Deductible | $2500-$5000 Deductible | $500- $1000 Deductible | > $10,000 Deductible |