Buying a quality home insurance policy is a key step in protecting your investment in your home. The right insurance policy will give you the peace of mind of knowing your home is protected, but finding the best policy can be tricky, especially if you’re shopping for home insurance in Rhode Island for the first time.
We’ve highlighted the key details you need to know when you shop for home insurance in Rhode Island. These details will help you to find the best insurance at the best price.
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The average cost of home insurance in Rhode Island is $1,233 per year, which includes $250,000 in dwelling coverage. That rate is slightly less than the national average home insurance cost of $1,428 per year.
While Rhode Island’s insurance average is on the low side, where you live in the state will also impact your insurance costs. Areas that are more prone to severe weather or have higher crime rates will have higher home insurance rates. In contrast, if you live in a lower-risk area, you can expect to see lower home insurance rates.
Rhode Island City | Average Cost of Home Insurance Per Year |
Barrington | $1,160 |
Bristol | $1,169 |
Westerly | $1,367 |
Charleston | $1,368 |
Narragansett | $1,392 |
Many other factors will also impact your rates, including your home’s age, its value, and your distance from the nearest fire station. Since there are so many variables that affect your insurance rates, getting a personalized quote will give you the best idea of how much you can expect to pay. You can get free home insurance quotes in Rhode Island from ConsumerCoverage today to start exploring different plan options and their costs.
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As you shop for home insurance in Rhode Island, look for discounts that can help to keep your costs down. Many insurance providers offer discounts if you have multiple insurance policies, like a home and auto insurance policy. You may also be able to save money on your premiums by choosing a high deductible policy, but it’s important to be prepared to pay that higher deductible if you need to file a claim.
Shopping around and comparing quotes can help you to find the best home insurance in Rhode Island at the best price. To get started, request a free homeowners insurance quote from ConsumerCoverage to explore plan options and your personalized rates.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
