Best Home Insurance Quotes in Rhode Island (2025)
Top Rhode Island home insurance companies
Cheapest home insurance companies in Rhode Island
PURE, which caters to clients with luxury homes, has the next-cheapest rates at $161 a month. Allstate is the next-cheapest company after that at $184 a month.
RI home insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Amica | $1,609 |  |
 | PURE | $1,935 |  |
 | Allstate | $2,209 |  |
 | AIG | $2,220 |  |
 | Nationwide | $2,524 | |
 | Narragansett Bay | $2,941 | |
 | The Andover Companies | $3,454 | |
Best homeowners insurance companies in Rhode Island
PURE is the best insurance company for luxury homes. Allstate has the best policy features.
Best home insurance companies at a glance
| Company | Annual rate | Customer satisfaction* | Complaint rating** |
|---|---|---|---|
| Best overall: Amica | $1.609 | 679 (Excellent) | 0.3 (Excellent) |
| Best for luxury homes: PURE | $1,935 | Not rated | 0.1 (Excellent) |
| Best policy features: Allstate | $2,209 | 631 (Below average) | 1.3 (Below average) |
Sources: *J.D. Power 2024 U.S. Home Insurance Study (higher scores are better, 640 is average); **NAIC 2023 Complaint Index (lower scores are better, 1.0 is average)
Best overall home insurance company in Rhode Island: Amica
Amica’s Standard Choice policies offer basic coverages that most homeowners need. These include protections for your home and belongings from fire, windstorms and winter freezes. You have to pay extra for things like water backup protection Most home insurance companies offer an inexpensive add-on to cover damage from a sewer or drainage backup. and replacement cost coverage Replacement cost coverage pays to replace stolen or damaged belongings with new ones, with no deduction for depreciation. for your belongings. These and other add-ons are available on their own or grouped together in a Platinum Choice package.
Pros
Average rate is 28% cheaper than the state average
Excellent ratings from J.D. Power and the NAIC
Flexible coverage options
Discounts for new or remodeled homes
Cons
Amica has limited office locations for in-person service
Best for luxury homes: PURE
PURE also provides services and tools to make your home safer. It offers risk-management consultations and devices that monitor your plumbing and electrical systems for potential problems.
Pros
Guaranteed replacement cost coverage for your home
Jewelry coverage begins at $25,000 per item
Free home risk assessments
Cons
You can’t get instant quotes online, but you usually hear back within one business day
Best policy features: Allstate
Allstate also offers a unique add-on with its green improvement reimbursement endorsement. This pays extra to replace damaged items with new ones that are more energy efficient.
Pros
Rates are a little less than the state average
Claims RateGuard protects you from a rate increase
Deductible Rewards lower your deductible if you avoid claims
Cons
Ratings from J.D. Power and NAIC could be better
How much is home insurance in Rhode Island?
Your actual rate depends on factors like:
- Your home’s age and location
- The amount of coverage you need
- Your own insurance history and credit
- Any discounts you receive
Each company weighs these factors differently and offers different discounts. This makes it good to compare home insurance quotes from a few different companies when you buy or renew your policy.
Home insurance rates by coverage amounts
For example, a $450,000 policy costs 21% more than a $350,000 policy. The difference works out to $436 a year, $36 a month.
If you have a mortgage, your lender will make you insure your home for its replacement value A home’s replacement value is the estimated cost of rebuilding it from the ground up, in the event of a total loss. . You can choose a lower dwelling limit if you’ve paid off your mortgage or have a low loan balance. However, doing so could leave you short on funds to rebuild if a major disaster strikes.
Home insurance rates by dwelling limit
| Dwelling limit | Annual rate |
|---|---|
| $350,000 | $2,034 |
| $400,000 | $2,240 |
| $450,000 | $2,471 |
Rhode Island homeowners insurance rates by city
Westerly has the state’s most expensive home insurance at $2,410 a year. This is 8% higher than the state average. Homeowners in Newport have the second-highest average cost at $2,346 a year.
Home insurance in Providence costs an average of $2,281 a year, or 2% more than the state average.
Home insurance rates near you
| City | Annual rate | Difference from state average |
|---|---|---|
| Cumberland | $2,023 | -10% |
| Woonsocket | $2,059 | -8% |
| Pawtucket | $2,109 | -6% |
| East Providence | $2,150 | -4% |
| Cranston | $2,190 | -2% |
| North Providence | $2,194 | -2% |
| Johnston | $2,214 | -1% |
| Coventry | $2,259 | 1% |
| North Kingstown | $2,262 | 1% |
| West Warwick | $2,277 | 2% |
| Providence | $2,281 | 2% |
| Warwick | $2,292 | 2% |
| South Kingstown | $2,295 | 2% |
| Newport | $2,346 | 5% |
| Westerly | $2,410 | 8% |
Rhode Island flood insurance
The average cost of flood insurance in Rhode Island is $1,034 a year, or $86 a month. The actual price you pay depends on factors like your home’s flood risks and design.
If you need a mortgage in a high-risk flood zone, your lender will make you get flood insurance. You should consider it even if you live in a lower-risk zone due to how common flooding is and the high cost of repairs.
Government flood insurance vs. private providers
Most people get flood insurance through the government-backed National Flood Insurance Program (NFIP), but private companies also offer it.
The NFIP is managed by the Federal Emergency Management Agency (FEMA), which offers flood zone maps and a provider directory on its website. These policies offer up to $250,000 in building coverage for your home and up to $100,000 in contents coverage for your belongings.
Private flood insurance includes standalone policies and protections you can add to an existing NFIP policy. For example:
- PURE offers extra flood coverages you can add to your existing NFIP policy.
- Narragansett Bay’s flood endorsement offers more protections than an NFIP policy. You have to get your home insurance from Narragansett Bay to qualify.
- National General’s Beyond Floods program offers a standalone alternative to the NFIP. National General is an Allstate company.