The best home insurance companies in Rhode Island are State Farm, Amica, AIG Insurance, PURE and The Andover Companies. State Farm ranks first for affordability, Amica excels in customer service, and The Andover Companies leads in coverage options. Compare all our top picks below.
Best Homeowners Insurance in Rhode Island
Updated: June 19, 2025
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Key Takeaways
Our 2025 study found the top three home insurance companies in Rhode Island: State Farm, Amica and AIG.
State Farm offers the best overall home insurance for most Rhode Islanders. However, Amica is a better choice for older homes.
To find the best policy, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Rhode Island?
| State Farm | 84 | 1 | 2 | 5 |
| Amica | 83 | 5 | 1 | 2 |
| AIG Insurance | 73 | 3 | 3 | 2 |
| PURE | 72 | 2 | 4 | 2 |
| The Andover Companies | 67 | 4 | 5 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, what’s best for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 84 | Overall |
| Amica | 86 | Older Homes |
| State Farm | 84 | Newer Homes |
| Amica | 84 | High-Fire-Risk Areas |
| Amica | 84 | Bad Credit |
| State Farm | 84 | With Claims History |
Best Rhode Island Home Insurance by City
Home insurance provider rankings in Rhode Island's cities vary based on affordability, local customer service, and available add-on coverages. For instance, Amica ranks best in Providence with a MoneyGeek score of 87. We've outlined the top options for each city to help you choose the best provider for your location.
Best Rhode Island Home Insurance Reviews
Discover the leading home insurance providers for Ocean State residents, showcasing champions in affordability, exceptional customer service and a variety of coverage options.
State Farm: Best for Affordability
For Rhode Island homeowners looking for cost savings, State Farm delivers the most competitive rates while maintaining high customer service standards. It has seventh-place customer satisfaction and eighth-place claims satisfaction in J.D. Power evaluations. Beyond basic coverage, State Farm provides unique enhancements such as underground utility protection and extended replacement cost reimbursement to help manage increasing repair expenses.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes in High-Fire-Risk Areas | $54 | $651 |
| Newer Homes | $54 | $651 |
| Older Homes | $99 | $1,189 |
| Older Homes in High-Fire-Risk Areas | $99 | $1,189 |
Amica: Best for Customer Service
J.D. Power rankings reveal Amica's customer service strength: top claims satisfaction scores and a third-place customer satisfaction rating among Rhode Island home insurers. However, this quality service reflects in the pricing, as Amica carries the highest costs of all providers we evaluated. Beyond standard policies, the company's Platinum Choice program offers upgraded protection across multiple areas including dwellings, electronics, business property and credit card fraud.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $85 | $1,022 |
| Newer Homes in High-Fire-Risk Areas | $92 | $1,109 |
| Older Homes | $127 | $1,521 |
| Older Homes in High-Fire-Risk Areas | $138 | $1,652 |
The Andover: Best for Coverage
The Andover provides great value coverage inclusions. Its policies include broader coverage inclusions for basic personal property and structures, guaranteed replacement cost and automatically include ordinance or law coverage, valuables protection, replacement cost coverage on contents and open perils contents coverage. No provider in Rhode Island has these unique coverages included in their plans, making it a worthwhile option to consider in your search.
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Coverage Level:$1MM Dwelling / $500K Personal Property / $1MM Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $369 | $4,428 |
| Older Homes | $470 | $5,638 |
How to Find the Best Home Insurance in Rhode Island
We've developed a guide to help you find the right coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage, such as wildfires or flooding.
- 2
Research costs and discounts
Figure out how much home insurance costs in Rhode Island to see if providers offer savings. Also, verify available discounts, like bundling policies or installing home safety devices, to maximize your savings on premiums.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Rhode Island. Evaluate potential insurers by comparing customer service ratings, competitive pricing and additional coverage options relevant to your needs.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Rhode Island: Bottom Line
The best homeowners insurance companies in Rhode Island are State Farm, Amica, and AIG Insurance. While we recommend these providers, researching and comparing options can help you find the best fit for your needs.
Best Home Insurance in Rhode Island: FAQ
Explore our FAQ section for insights on selecting the right home insurance provider in Rhode Island
Which company is best for home insurance in Rhode Island?
State Farm is the best homeowners insurance provider in Rhode Island due to its top affordability, excellent customer service, and comprehensive add-on coverage options. Amica, AIG Insurance, PURE, and The Andover Companies are also top picks in Rhode Island.
Who has the most affordable homeowners insurance in Rhode Island?
In Rhode Island, the most affordable homeowners insurance varies based on individual circumstances. However, the average cost in Rhode Island is $1,171 annually.
How do you get the best homeowners insurance in Rhode Island?
To find the best home insurance in Rhode Island, decide on your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Rhode Island: Our Methodology
We rated the best homeowners insurance providers in Rhode Island using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Amica. "Get a Platinum Choice Home Quote." Accessed June 19, 2025.