Richmond, RI homeowners insurance is about $939 to $1,284, about $78-$107/month. Our all inclusive guide indicates shoppers can save as much as $444 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Richmond, RI | Homeowners Insurance Agency Near Richmond, RI | Address |
|---|---|---|
| Nationwide | Gaulin Insurance Agency | One Rolfe Square, Cranston, RI, 02910-2809 |
| Travelers | Mercier & Kosinski Ins Inc | 1009 SMITHFIELD AVENUE, LINCOLN, RI, 2865 |
| Travelers | Pacheco Insurance Agency Inc | 411 Columbia Street Fall River, Fall River, MA, 2721 |
| Liberty Mutual Independent | Phoenix Group Llc | 1150 NEW LONDON AVE, CRANSTON, RI, 2920 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Wyoming CDP, Rhode Island | $136 | $181 | $272 |
| Carolina CDP, Rhode Island | $138 | $184 | $276 |
| Hope Valley CDP, Rhode Island | $139 | $185 | $278 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Richmond, RI | 4.7% | 13.6% |
| Wyoming | 6.72% | 18.17% |
| Carolina | 5.2% | 21.3% |
| Hope Valley | 4.51% | 14.54% |
| Richmond Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $500 to $749 | 39 | 15.0% | $1910 |
| $750 to $999 | 12 | 4.0% | $2660 |
| $1,000 to $1,499 | 157 | 60.0% | $3785 |
| $1,500 or more | 51 | 19.0% | $5435 |
| Streets in Richmond Area | Homeowners Insurance Cost |
|---|---|
| Meunier Dr, Grey Stoke Ln, Thompson Trl, Bucknam Rd, K G Ranch Rd, Whispering Pines Rd, Dawley Park Rd, White Oak Dr, Morning Rd, Coulter Dr | $1,106 |
| Theroux Dr, Old Mountain Trl, Lewiston Ave, James Trl, Crestmont Dr, Lancelot Ct, Okeefe Dr, Loop St, Brodin Dr, Wilbur Hill Rd | $1,105 |
| Dover Ln, Wood Rd, Bobwhite Ter, Old Usquepaugh Rd, Tefft Hill Rd, Oakland Rd, Hillsdale Rd, Acorn Trl, Oshay Ln, Meadowbrook Rd | $1,108 |
| Carolina Nooseneck Rd, Kings Factory Rd, Deerfield Dr, Heaton Orchard Rd, Clearview Dr, Dawn Ln, Beaver River Rd, Arcadia Rd, Hoxsie Rd, Clarke Trl | $1,112 |
| Bracken Hill Ct, Beverly Ln, Buttonwoods Rd, Canob Ln, New London Tpke, Springbrook Rd, Small Pox Trl, Summit Rd, Old Kenyon Rd, Shannock Hill Rd | $1,113 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Richmond | $165 to $167 |
| Wyoming | $163 |
| Carolina | $166 |
| Hope Valley | $167 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $2,900 |
| Yearly Richmond Homeowner Insurance Premium Example | $2,200 | $1,700 |
| Out of Pocket Expense During Claim | $900 | $2,900 |
| Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim | $16,300 | $14,800 |
| Net Savings to Richmond Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Richmond, RI Home Replacement Value MORE than Home Value | Richmond, RI Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $378,000 | $222,500 |
| Insurance Premium based on Replacement Value | $3,450 | $2,025 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $70,500 | Risk Exposure from Under Insuring Coverage is $85,000 |
| Premium Impact | Insurance cheaper by $775/year | Insurance costlier by $650/year |
| Insurance Company | State Farm | Amica Mutual Insurance Company | Allstate |
| Monthly Premium | 128 | 164 | 173 |
| Year Built | 1943 | 2011 | 2001 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 2 Baths |
| Coverage Amount | $250000-$300000 | $250000-$300000 | $250000-$300000 |
| Deductible | > $10,000 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |