What Does Rhode Island Home Insurance Cover?

Rhode Island home insurance is important, but it costs an arm and a leg. The average premium for a homeowner in the Ocean State runs more than $74 per month*—the 11th highest rate in the U.S.

Save money on Rhode Island home insurance and learn more about your policy by reading this article.

What Does Rhode Island Home Insurance Cover?

Winter storms are a major problem for Rhode Island homeowners. Blizzards, severe snowstorms and even hurricanes batter the state on a regular basis. Fortunately, Rhode Island home insurance covers damage caused by these and other natural disasters. This gives homeowners peace of mind when Mother Nature causes a ruckus.

Additionally, Rhode Island home insurance provides protection against theft and arson, and also offers liability insurance.

What Does it Exclude?

There are several perils that Rhode Island home insurance will not cover. Two of the most important exclusions are floods and earthquakes. Earthquakes are generally not a major problem for Rhode Island homeowners, but floods are. If your home is at-risk for floods, purchase a separate insurance policy.

Paying Too Much? Shop Around!

The best way to save money on Rhode Island home insurance is by shopping around. Rates vary widely by insurer, and you could find identical coverage for a lot less with another company. Some consumers switch home insurers and save hundreds of dollars per year!

If you live in the Plantation State, use InsWeb’s free home insurance quote form to shop and compare rates. You could start saving money today!

*Insurance Information Institute