Rhode Island Home Insurance - Free Quotes
About Rhode Island Home Insurance Coverage
Rhode Island homeowners insurance provides the much needed property damage protection for your home. There are a few policies that are specific to single family homes. The basic policy, known as the HO-2 policy, covers many perils including fire, smoke, vehicle damage, aircraft damage, water overflow from water heaters and air conditioners, theft, vandalism, explosions, and damages caused by riots. The broad HO-3 policy covers all those perils plus has bodily injury liability protection. If you’ve purchased a home using a mortgage lender, they usually require that you carry Rhode Island homeowners insurance for the duration of the loan.
Home Insurance Options for Rhode Island Homeowners
Rhode Island can have increased rates for homeowners insurance for a number of reasons. Many companies raise rates after disasters, but the prevalence of strong thunderstorms and hailstorms can raise the rates much faster. If you live in an area that has a history of flooding, then you will need additional flood insurance to cover damages caused by flood water. Rhode Island home insurance does not provide coverage for flood damage. Homeowners can review the “exclusions” section of their policy to see what will not be covered.
Get Quotes from Top Rhode Island Homeowners Insurance Carriers
Our service gets you connected to the top homeowners insurance carriers in Rhode Island and lets you choose the one that best fits your needs and budget. We have over 100 companies with agents represented in our network.
Many Types of Homeowners Insurance to Choose From
Because we work with so many carriers and brokers in all 50 states, we can make it easy to get multiple quotes for policies that can fit any special need or budget. Whether you need a standard home owners insurance policy, coverage for a luxury home, an umbrella policy, renters insurance, or coverage for a mobile or manufactured home, we can help. Additionally, we can help you find several types of specialty home owners coverage, including earthquake insurance, wind and flood protection, and coverage for high risk home owners.
A Fast, Free, and Easy Way to Find Homeowners Insurance in Rhode Island
Our process is fast, easy, and free! Simply enter your basic information into our online forms (your information will be kept safe on our secure servers). After you have completed our short online questionnaire, we will match you with local agents in your area who can provide additional quotes, answer any questions you may have about coverage, and assist you in every step of the buying process.