Cheap Renters Insurance in Rhode Island

State Farm and Amica are the best cheap renters insurance companies in Rhode Island. State Farm offers the most affordable rates at $17 monthly. Amica has the highest customer reputation score and the most comprehensive coverage options.

*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.

Our list above covers most renters, but your ideal option may differ. Filter the table to match your profile and find the best option in Rhode Island.

Here are our top picks for affordability, customer service and coverage options for Rhode Island renters insurance.

Renters insurance in Rhode Island averages $482 annually, $240 higher than the national average of $242. These rates reflect a policy with $50K personal property coverage, $100,000 liability limits and a $1,000 deductible. Your rate may vary based on your profile.

Filter the table by major factors affecting rates to see average costs for your situation.

Finding the right renters insurance in Rhode Island can be challenging. This guide helps you select ideal coverage for your needs.

Rhode Island law doesn't require renters insurance, but most landlords require at least $100,000 in liability coverage. Requirements vary based on rental history, credit and pet ownership. When deciding coverage amounts, consider how much property you want covered, weather risks, local crime rates and pet ownership.

Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.

Rhode Island presents specific risks renters should consider when selecting insurance coverage:

• Weather risks: Rhode Island faces high risk of hurricanes and winter storms in certain areas. Standard coverage may not include protection for these threats, requiring a separate purchase.
• Crime risks: Rhode Island ranks 45th highest nationwide for property crime and 18th for identity theft and fraud. Consider add-ons and supplemental property damage coverage.
• Pet ownership: Pet owners should consider pet liability coverage add-ons and check how different providers handle pet coverage.
• Property types: Special tools, valuables, electronics and structures like pools may require additional coverage beyond standard policies.

Renters insurance covers damage to your property, liability to others and loss of use related to your rental home. Additional coverage options make your policy more comprehensive.

Amica and State Farm are the best and cheapest renters insurance companies in Rhode Island. We recommend these options, but you should research and compare multiple companies and quotes to find the best deal.

Here are answers from our experts to common questions about renters insurance in Rhode Island:

Rhode Island renters pay nearly double the national average for coverage, making affordability critical. We analyzed insurers serving Rhode Island to find companies balancing low rates with strong customer service and comprehensive coverage options.

Our analysis focused on Rhode Island-specific factors: We examined how insurers price coverage in a state with high hurricane and winter storm risks. Rhode Island's property crime rate (45th highest nationwide) and identity theft rate (18th nationally) make liability coverage and add-on options especially important. We also evaluated which companies offer flexible personal property limits, since Rhode Island's $482 average annual cost creates strong incentive to customize coverage.

Base profile details: We used $50,000 personal property coverage, $100,000 liability coverage, a $1,000 deductible, property replacement coverage and good credit. This profile determined our affordability score (60% of the total). We also weighted customer satisfaction from industry research (25%), add-on coverages (10%) and financial strength ratings (5%).