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Rhode Island Home Insurance

Rhode Island's compact size offers a unique advantage to its residents. Despite being the smallest state, it boasts easy access to both scenic beaches and vibrant urban areas. By tailoring insurance policies to your individual circumstances, Rhode Island homeowners can better protect their investments and have the confidence needed to face the unexpected.

Is home insurance required in Rhode Island?

Rhode Island doesn’t legally require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it's still highly advisable to have homeowners insurance. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical homeowners insurance coverages in Rhode Island

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage. 

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a cause listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person or their property that you’re liable for. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit and exclusions, which are specified within your policy.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood damage is not covered by standard homeowner insurance policies. Flood insurance policies are available, however, and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere and it’s a good idea to buy this additional coverage. 

Additional coverages in Rhode Island

You may find that the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud expenses:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipes, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs-up through drains and sump pumps, which could be excluded under the standard policy. 

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they're adequately covered against loss or damage.

  • Earthquakes:

    A standard Rhode Island policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

Key factors impacting Rhode Island homeowners insurance rates

Is your home in Providence or Narragansett? Urban areas like Providence may have different factors that impact home insurance premiums compared to coastal regions like Narragansett.

Your home insurance policy should always align with your specific needs and circumstances, taking into account factors such as location, property value and desired coverage levels. By selecting appropriate coverages tailored to your situation, you can have a degree of control over your insurance premiums.

There are factors affecting insurance rates that are beyond your control, such as regional weather patterns or crime rates. You can take proactive measures to manage your premiums, like exploring available discounts or changing your deductible.

Additionally, regularly reviewing and updating your policy can ensure that you're not paying for unnecessary coverages and that you are protected in a way that fits your current needs.

Explore home insurance discounts for more savings

There are several ways Rhode Island homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • Automatic detection devices: Insure a home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount.
  • New or remodeled homes: Receive a credit when you insure a new or remodeled home.
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions.
  • E-discount: Receive a discount when you sign up to receive policy information and bills electronically.
  • Paid in full: Save money when you pay the entire balance of your policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, Rhode Islanders who bundle auto and home insurance with Amica could save up to 30% with a multiline discount.

Facts and figures about Rhode Island

Common claims in Rhode Island:

Rhode Island, like many New England states, is no stranger to harsh winters and coastal storms, which can pose significant risks to homeowners. Here are some common weather-related claims that homeowners may face in Rhode Island:

  • Frozen pipes: When temperatures drop below freezing, water pipes in homes can freeze and burst, causing significant water damage. As long as heat in the residence was adequately maintained, homeowners insurance typically covers damage resulting from burst pipes, including water cleanup and repairs to the affected areas.
  • Ice dams: Ice dams occur when snow on the roof melts and refreezes at the edges, forming a barrier that prevents water from draining properly. This can lead to water seeping into the attic or walls, and can cause damage to ceilings, insulation and interior spaces. Homeowners insurance may cover repairs for damage caused by ice dams.
  • Roof damage: Coastal areas in Rhode Island are particularly vulnerable to storms and high winds, which can result in property damage, including roof damage and falling trees. Homeowners insurance typically covers roof damage caused by wind or fallen trees, although coverage may be subject to certain exclusions or limitations.

Rhode Island homeowners may want to consider purchasing supplemental coverage for specific risks, such as flood insurance even in areas that are not flood plains.

Fun facts about Rhode Island:

  • The Westminster Arcade in Providence is the oldest enclosed shopping center in the country.2
  • Newport is famous for its impressive concentration of historic mansions.
  • Rhode Island is the birthplace of the diner. Walter Scott sold food out of his wagon to employees of The Providence Journal in 1872.3

How to get home insurance in Rhode Island

We’re here to guide you through the process of personalizing your homeowners insurance in Rhode Island. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Rhode Island homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in Rhode Island.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 The Arcade Providence
3 Rhode Island Heritage Hall of Fame
 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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