Providence Insurance Rates:

Providence, RI homeowners insurance is roughly $915 to $1,241, about $76-$103/month. Our comprehensive analysis reveals consumers can save as much as $431 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

The premium and deductible on my policy are comparable to other companies offerings. I think I pay a little more than average but then again that's what comes from going with a company that has a big TV budget.
State Farm
If you are looking for a home insurance policy on the quick, I would recommend State Farm as an insurance company.
The coverage is better with Farmers than with any insurance company we shopped. The discounts are numerous and better overall.
i have never had any issues with my home insurance company. i had a problem with hail damage during the last storm season and i had to call them about it and the process was smooth and simple.
Farmer's Insurance
Wonderful customer service. Able to find discounts to make the policy more affordable. Bundling insurance on cars and house for a discounted rate. Very satisfied overall!
I would give this a 5. The agent and the company have been very nice to us over the years and they have done what they promised they would do.
I am currently holding GEICO'S Policy for home insurance.. I had vehicle insurance and then I combined with HOME Insurance too. I liked the coverage they are giving as well as any premium to be paid.
I have been with Progressive for 6 years. Anytime I have called them, they have have been courteous and polite.
The Hartford
The company is one for everything it offers and with what it allows you to keep safe
This home insurance company eliminates the stress that people may be prone to when thinking about things that may go wrong
State Farm
Even though our agent is very fast, we do not get things in the mail quickly. they take a very long time.
State Farm
Another thing i enjoy about this insurance company is the great reviews they get from the local community. it puts my mind at ease.
Farmer's Insurance
I like that THEY ACTUALLY OFFER ME GOOD COVERAGE. when my last insurance company left the market I thought I was screwed and was going to lose my mortgage
State Farm
While the company is good, the franchise offices are often unorganized and understaffed, which leads to confusion and poor service.
State Farm
I like pretty much everything about their communication protocol, even with the main company line. The times that I have had to call the home line/800 number the staff has always been extremely quick to address whatever it is that I needed.
I am receiving better coverage than I did last year with a different company and I am paying approximately 20% less than I had previously paid.
I do not like that discounts are offered after so many years without having to file a claim.
I appreciate that the company isn't calling me all the time trying to sell me new products. I like to be treated like a person, not just a customer and I feel that they do that well.
Sometimes I have trouble or a slow process of finding what I need. The send the statement by e-mail and it is slow to get to the statements online. Also, they have a Drive wise program where you have points to purchase things. That is also slow to use and find offers
It is easy to use to figure out calculations and premiums. You can contact someone. You can schedule and make your payments quite easily. It is pretty user-friendly.
We like the company we have had very good encounters with them they always seem helpful in any questions or concerns we have.
I would recommend them as a home insurance company but I wouldn't do so entirely without hesitation. I would still suggest people shop around and compare but if asked I would generally provide a good recommendation for home insurance company.
The premium is right. The price is not. The premium covers pretty much anything that can happen to the house or if we were sued for instances on our property.
The only thing I can say I dislike is the higher premiums. I pay more for the same amount of coverage that I used to have

Providence, RI Homeowners Insurance By Home Value

Providence, RI Home Value Total Homes % of Total Average Providence, RI Homeowners Insurance
Less than $50,000 461 2.0% $118
$70,000 to $79,999 371 1.0% $366
$80,000 to $89,999 342 1.0% $420
$90,000 to $99,999 304 1.0% $474
$100,000 to $124,999 1,598 8.0% $549
$125,000 to $149,999 1,591 8.0% $689
$150,000 to $174,999 2,759 14.0% $808
$175,000 to $199,999 2,208 11.0% $937
$200,000 to $249,999 3,948 20.0% $1121
$250,000 to $299,999 2,653 13.0% $1379
$300,000 to $399,999 2,521 13.0% $1746

Top Home Insurance Agents Near Providence, RI

Home Insurance Company Near Providence, RI Homeowners Insurance Agency Near Providence, RI Address
NA Howard Russell Insurance 700 Main Street , East Greenwich, RI, 2818
NA Friendly Insurance Agency 1306 Dorchester Ave Dorchester, Boston, MA, 2122
Travelers Mccormick & Sons Insurance Agency Inc 800 WEST MAIN ST, AVON, MA, 2322
Travelers Telamon Insurance & Financial Network Llc 150 WELLS AVE, NEWTON, MA, 2459
Nationwide Wayne P Johnson 903 Broad St, Providence, RI, 2907

Providence, RI Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Providence, RI

Streets in Providence Area Homeowners Insurance Cost
Stamford Ave, Michigan Ave, Falconer St, Wade St, Westmore St, Milk St, Marshall St, Home Ave, Hillard St, Sutton St$1,048
Marlborough Ave, Albro St, Doane Ave, Oldham St, Legion Memorial Dr, Prairie Ave, Canonchet St, Stone St, Ruskin St, Hart St$1,044
King Philip St, Huntington Ave, Dearborn St, Keene St, Morgan St, Keene St, Ruthven St, Harmony Dr, Nashua St, Montgomery Ave$1,260
Taber Ave, Exeter St, Johnson St, Sabin St, S Water St, W Friendship St, Kossuth St, Freeman Pkwy, Eastwood Ave, Longo St$1,228
Jastram St, Braman St, Firglade Ave, Fruit Hill Ave, Young Ave, Manton Ave, Suffolk St, Warren St, 9th St, Perkins St$1,114
Loveday St, Stadium Rd, Rankin Ave, Peter St, Sinclair Ave, Lakeview Dr, Meader St, Wingate Rd, Ontario St, Pembroke Ave$1,077
Augusta St, Parkside Rd, Hendrick St, Sharon St, Lubec St, Nellie St, Kane St, Horace St, Wiley St, Crary St$1,058
Clarendon Ave, Alvin St, Winrooth Ave, Sevier St, Crout St, Emeline St, Fremont St, Chad Brown St, Jenkins St, Vandieman Ave$1,244
Gesler St, Saratoga St, Gentian Ave, Grand St, Courtland St, S Water St, Mount Pleasant Ave, Paterson St, N Davis St, Europe St$1,081
Webster Ave, Tidd St, George M Cohan Blvd, Victor St, S Angell, Rose Ct, Wiley St, Sunbury St, Mattie St, Olneyville Sq$1,081

Providence, RI Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Providence$161 to $164
North Providence$162
Central Falls$159

Providence, RI Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
North Providence town, Providence County, Rhode Island $162 $216 $324
East Providence city, Rhode Island $163 $217 $326
Pawtucket city, Rhode Island $161 $214 $321

Providence, RI Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Providence, RI4.9%13.2%
North Providence5.07%13.23%
East Providence5.22%14.99%

Providence Renters Insurance as a Percentage of Rent

Providence Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,689 4.0% $348
$200 to $299 3,024 7.0% $798
$300 to $499 2,908 7.0% $1248
$500 to $749 5,646 14.0% $1923
$750 to $999 9,963 25.0% $2673
$1,000 to $1,499 12,189 31.0% $3798
$1,500 or more 3,303 8.0% $5448

Providence, RI Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Providence Homeowner Insurance Premium Example $1,700$1,300
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $15,400$14,200
Net Savings to Providence Home Owner from High Deductible Plan $1,200

Providence, RI Home Insurance Costs With Home Replacement Value Scenarios

Scenario Providence, RI Home Replacement Value MORE than Home Value Providence, RI Home Replacement Value LESS than Home Value
Replacement Value $351,000 $246,500
Insurance Premium based on Replacement Value $3,025 $2,125
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $69,500 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $300/year Insurance costlier by $600/year

Example Providence Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Amica Mutual Insurance CompanyGEICO InsuranceNationwide Insurance
Monthly Premium 261176153
Year Built 194019491947
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $250000-$300000$250000-$300000$200000-$250000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Providence, RI from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 165,000 Membrane Roof 1,400 2 $2500-$5000 Deductible 320 4 Stone Siding No
1949 190,000 Wood Shake Roof 1,340 2 $5000 to $10,000 Deductible 770 5 Stone Siding No
1948 135,000 Slate Shingles Roof 1,340 2 $1000-$2500 Deductible 680 9 Wood siding yes
1949 255,000 Slate Shingles Roof 2,180 4 $2500-$5000 Deductible 340 2 Wood siding No
1947 270,000 Wood Shake Roof 2,640 4 $1000-$2500 Deductible 440 3 Vinyl siding No
1942 395,000 Slate Shingles Roof 3,310 4 $1000-$2500 Deductible 2730 10 Stucco siding yes
1941 175,000 Asphalt Shingles Roof 1,450 2 $500- $1000 Deductible 870 9 Brick siding yes
1948 145,000 Slate Shingles Roof 1,480 3 $2500-$5000 Deductible 560 9 Brick siding No
1942 440,000 Slate Shingles Roof 3,170 4 > $10,000 Deductible 220 1 Fiber-Cement Siding No
1946 105,000 Membrane Roof 950 2 $2500-$5000 Deductible 300 7 Stucco siding yes
1944 380,000 Shingles Roof 2,960 4 $2500-$5000 Deductible 1540 6 Fiber-Cement Siding yes
1947 250,000 Metal Roof 2,080 3 $500 Deductible 1890 7 Brick siding yes
1941 320,000 Wood Shake Roof 2,710 4 $1000-$2500 Deductible 1840 9 Vinyl siding No
1944 315,000 Asphalt Shingles Roof 2,400 3 $5000 to $10,000 Deductible 1680 12 Vinyl siding No
1945 170,000 Slate Shingles Roof 1,340 2 $500 Deductible 1320 10 Stone Siding No
1946 335,000 Slate Shingles Roof 2,620 4 > $10,000 Deductible 1410 10 Fiber-Cement Siding yes
1940 210,000 Composition Roof 1,580 3 $500- $1000 Deductible 690 6 Fiber-Cement Siding No
1941 185,000 Tile Roof 1,650 2 $2500-$5000 Deductible 640 8 Wood siding yes
1944 135,000 Composition Roof 1,140 2 $2500-$5000 Deductible 490 6 Vinyl siding yes
1948 195,000 Wood Shake Roof 1,930 3 $5000 to $10,000 Deductible 90 1 Fiber-Cement Siding yes
1948 190,000 Slate Shingles Roof 1,530 3 $500 Deductible 1090 6 Fiber-Cement Siding yes
1949 175,000 Shingles Roof 1,590 2 $2500-$5000 Deductible 630 5 Brick siding No
1949 315,000 Membrane Roof 2,290 3 $2500-$5000 Deductible 2190 10 Stucco siding No
1945 190,000 Membrane Roof 1,460 2 $500 Deductible 730 5 Brick siding yes
1945 360,000 Slate Shingles Roof 2,950 4 $1000-$2500 Deductible 3220 10 Wood siding yes
1948 290,000 Wood Shake Roof 2,280 3 $500- $1000 Deductible 1340 7 Brick siding No
1944 335,000 Membrane Roof 2,550 4 > $10,000 Deductible 1620 12 Wood siding No
1949 205,000 Tile Roof 2,060 3 $5000 to $10,000 Deductible 610 5 Wood siding yes
1948 290,000 Slate Shingles Roof 2,300 4 $500- $1000 Deductible 2220 12 Vinyl siding No
1946 260,000 Slate Shingles Roof 2,350 3 > $10,000 Deductible 710 7 Stucco siding yes
1931 155,000 Asphalt Shingles Roof 1,549 3 $500- $1000 Deductible 1060 8 Stucco siding No

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