How you're covered
Rhode Island doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy’s coverages are designed to safeguard your property and assets. A typical policy will include the following:
- Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage protects detached structures, such as a fence or shed.
- Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit, so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider.”
- Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
- Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.
Learn more about homeowners insurance coverages.
Common claims in Rhode Island
Rhode Island's greatest strength is also one of its greatest perils. While many Rhode Islanders enjoy time on or along the water, the Atlantic Ocean coastline makes the state susceptible to flooding, storms, and hurricanes. Fortunately, your home insurance policy may cover damage to your home's structure and belongings caused by storms, tornadoes, and high winds, up to your policy's limits.
Find out about how home insurance may cover storm damage.
While homeowners insurance may provide coverage for many forms of severe weather, including damage from windstorms and hurricanes, it doesn't cover flooding. Rhode Islanders who live near a major body of water – the ocean or something smaller, like a river or lake – can experience flooding, especially during a storm surge. A separate flood insurance policy may protect your home and belongings against flood damage.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
- Alarm System
- Quote in Advance
- New Purchase
See more about the home insurance discounts we offer.
How much is homeowners insurance in Rhode Island?
Your cost for Rhode Island homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Do you own a rental property in Rhode Island?
If you own a rental property in Rhode Island, make sure it's protected with the right type of insurance policy. Learn more about landlord insurance policies and insurance for vacation or vacant homes.
Fast facts about homes in Rhode Island
One of Rhode Island's most distinctive homes is the Conanicut Island Lighthouse. This private residence in Jamestown was once a working lighthouse.
Newport, Rhode Island is famous for its impressive concentration of historic mansions. Hammersmith Farm is where JFK and Jackie Kennedy held their wedding reception.