Finding a homeowners insurance policy shouldn't be confusing. Compare rates by city and insurance company below.
Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. A homeowners insurance policy covers your dwelling and property against an array of circumstances, including wind damage, fire, theft, vandalism, and more.
Serious differences exist between homeowners insurance rates from state to state. Homeowners prices in a given state may vary depending on the number and cost homeowners claims filed across the state, and depend on the value of the belongings and home insured on the policy.
The best way to get affordable homeowners insurance in Rhode Island is to view prices from multiple insurance companies. Find out home insurance rates in Rhode Island by referencing the below data. Individual rates may vary depending on coverage options.
Homeowners insurance rates in Rhode Island will vary depending on which insurance company you use. State Farm offers the most affordable homeowners insurance in Rhode Island, at just $555 per year. This beats the state average cost of $1,388, providing an $833 price break on rates typical to the state.
Start your search for affordable coverage by reviewing the best Rhode Island insurance companies, listed below.
| Company | Average Annual Rate in Rhode Island |
| State Farm | $555.23 |
| Narragansett Bay | $606.39 |
| United | $795.96 |
| New London County Mutual | $846.35 |
| AIG | $1,120.37 |
Not all Rhode Island cities have equal homeowners insurance rates. Policy pricing may depend on city-specific variables, including the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.
The cheapest home insurance in Rhode Island is found in Harrisville. A typical home insurance term in Harrisville costs just $1,234 every 12 months — $154 less than the average Rhode Island rate. The below cities have the most affordable home insurance in Rhode Island.
| City | Average Annual Home Insurance Rate |
| Harrisville | $1,233.50 |
| Pascoag | $1,238.59 |
| Woonsocket | $1,241.63 |
| Harmony | $1,242.44 |
| Greenville | $1,246.63 |
If you're looking for savings, consider purchasing both your car and home insurance policies from one company. Bundling auto and home insurance in Rhode Island can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Rhode Island may generate yearly savings of $178.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $2,076.00 | $1,898.00 | $178.00 | 9% |
One of the best ways to save on auto insurance is to bundle your policies. Get started today!