get a rhode island homeowners insurance quote

or call 1-866-439-5633

Or call 1-866-439-5633.

rhode island homeowners insurance through an esurance partner

Thanks to its array of lowlands and charming beaches, Rhode Island is an ideal place to own a home. Whether you've got a pad in Providence or a base in Bristol County, homeowners insurance can protect you, your guests, and your house (and most of the stuff inside) at rates you can afford.

While we don't currently offer homeowners insurance in Rhode Island, we can help you get a fast, free quote online with our partner. You could even qualify for discounts unique to you, so you can feel even more at home with coverage that doesn't quit.

I think you're doing a pretty good job. I'm not computer savvy at all and I'm able to follow your directions to print insurance cards and look around my homeowners policy very easily. Thank you!

– Linda, Nevada

Our rep really took the time to explain each step of the process and was great at following up. She made the process easy and I appreciate her helping my family get our house back together.

– Tommy, Nevada

The entire [claim] process was quickly handled and there was no hassles. It was a truly stress-free experience which is rare nowadays. Thanks Esurance for not letting this turn into a nightmare.

– Iola, Kansas

fire preparedness and homeowners insurance discounts

Asked to name the most fire-prone regions, you'd probably go straight to the scorching desert or dry plains. For wild fires, perhaps. But when it comes to home fires, Rhode Island isn't quite as removed from risk. The Northeast had the highest frequency of home fires per capita in the nation in 2013, according to the National Fire Protection Association.

While smoke alarms are already a high priority for most homeowners, their importance is highlighted all the more in Little Rhody. Residents in your state may even consider going the extra mile by installing sprinkler systems throughout the home. On top of creating a first-rate fire defense, adding these sorts of features could also net you a handy discount and lower rates on your policy.

You'll be able to see if you qualify for this or other discounts when you get your free Rhode Island quote.

do i need homeowners insurance in rhode island?

Probably. If you have a mortgage, your financial lender most likely requires at least basic homeowners insurance as part of the terms of your agreement.

Regardless of whether it's legally required, homeowners insurance — and the dwelling, property, and liability protection it provides — is too valuable to pass up. After all, if your house suffers major damage in a hurricane, could you afford to rebuild out of pocket? Or say a visitor gets seriously injured on your property. Are you comfortable with your assets and savings being at risk in a lawsuit?

Homeowners insurance spares you from asking these sorts of tough questions and helps secure your castle, your finances, and your family's future in the wake of unexpected events.

rhode island homeownership fast facts

Here's a quick glance at the homeownership landscape in your neck of the woods:

  • Roughly 61 percent of Rhode Islanders own a home, about 3 percent less than the U.S. average
  • The median home value in Rhode Island is $247,000, while in the average state it's $176,000
  • There are 2.4 people per household in the state, on average
  • Rhode Island isn't the most welcoming to pets — it ranks in the bottom 10 nationwide for percentage of homes with either dogs (29 percent) or cats (27 percent)

Get a quote to see how surprisingly painless insurance can be

or call 1-866-439-5633

Or speak with a licensed agent at 1-866-439-5633.