Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Rhode Island are Amica, PURE and AIG.
State Farm offers the highest-quality homeowners insurance in Rhode Island with the lowest average annual premium at $1,181.
Coastal residents face higher premiums due to flooding threats from storms and rising sea levels. Compare quotes for quality protection.
Amica is the best home insurance company for most Rhode Island homeowners with affordable rates and strong customer experience. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| Amica | 4.63 | 2 | 2 | 6 |
| PURE | No Data | 5 | 1 | 1 |
| AIG Insurance | 4.6 | 3 | 5 | 2 |
| State Farm | 4.57 | 1 | 3 | 3 |
| Farmers | 4.18 | 4 | 4 | 7 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Customer Satisfaction Score
Rhode Island's coastal communities face different insurance challenges than inland areas, creating rate variations across cities. We identified the top-scoring insurer for major Rhode Island cities based on affordability, customer satisfaction and coverage options.
| Cranston | PURE | $2,089 |
| North Smithfield | PURE | $1,984 |
| Providence | PURE | $2,160 |
| Wakefield | PURE | $2,076 |
Rhode Island home insurance costs $2,089 per year on average. Your rate depends on your home and personal profile. Credit score creates the widest price gap: excellent credit homeowners pay around $1,271 yearly, while poor credit raises premiums to $3,002. Dwelling coverage limits also affect your costs. Coverage for a $100,000 home costs $1,186 compared to $3,640 for $500,000 coverage.
Overall average | $2,089 | $174 |
$100,000 dwelling coverage | $1,186 | $99 |
$500,000 dwelling coverage | $3,640 | $303 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $1,271 | $106 |
Poor Credit | $3,002 | $250 |
Compare home insurance rates in Rhode Island to find coverage that protects against the Ocean State's distinct threats like coastal storms and flooding. Shop for policies that financially shield your property from these regional hazards.
Assess your home's replacement cost and Rhode Island's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Rhode Island's high rebuilding costs.
Rhode Island home insurance averages $2,089 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Rhode Island-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Rhode Island's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Rhode Island homes.
Update your dwelling coverage annually to match rising construction costs and your home's current replacement value. The Ocean State's coastal storm exposure and housing market shifts mean you'll need regular policy reviews and fresh quotes. Shop around each year, especially after home improvements, to ensure you're properly protected.
Amica, PURE and AIG lead Rhode Island's home insurance market with strong financial ratings and comprehensive coverage options. Get quotes from these insurers and prioritize protection against the Ocean State's coastal storms and flooding risks while ensuring adequate rebuilding and liability coverage.
Common questions Rhode Island homeowners ask when shopping for home insurance:
No, standard home insurance policies exclude flood damage. Homeowners need separate flood insurance through the National Flood Insurance Program or private insurers to protect against flooding. This coverage must be purchased before flood events occur, as policies include waiting periods before taking effect.
Your dwelling coverage needs to match the full reconstruction cost of your home, which differs from market value. Inventory your belongings to determine adequate personal property coverage amounts. Use construction cost calculators or get professional appraisals to establish accurate rebuild estimates for proper protection.
Flooding in Rhode Island drives up home insurance premiums as insurers face elevated risks of water damage claims, particularly in coastal communities and areas near rivers. Insurance companies adjust rates to reflect these heightened risks of property damage. However, homeowners can potentially reduce premiums by installing flood-resistant materials and protective measures like sump pumps or elevated utilities, which demonstrate proactive risk management to insurers.
Replacement cost coverage pays to replace your damaged belongings with new items at current market prices, while actual cash value coverage only compensates you for what your items were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would buy you a brand new TV, but actual cash value would only pay what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Rhode Island-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Rhode Island homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Rhode Island's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Rhode Island needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Rhode Island's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Rhode Island homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
