Rhode Island Renters Insurance

Finding a renters insurance policy shouldn't be confusing. Compare rates by city and insurance company below.

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Get cheap renters insurance in Rhode Island

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy defends belongings in the event of fire, smoke damage, a wind event, vandalism or theft, and a variety of other circumstances.

Unlike auto insurance, renters policies aren’t governed by state legislation. Still, there are sometimes substantial variations in renters pricing by state. Renters insurance costs by state vary depending on the value and number of renters insurance claims filed in that state, and depend on the value of the belongings you're insuring.

Rhode Island renters insurance is more expensive than the national average. The typical annual renters insurance rate in Rhode Island is $310, $126 more expensive than the average across America.

The easiest way to find an affordable renters insurance policy in Rhode Island is to view prices from multiple insurance companies. Learn how much renters insurance costs in Rhode Island by referencing the below tables. Your rates may vary, depending on your coverage limits and the valuation of your belongings.

Rhode Island renters insurance:

  1. Rates by company
  2. Costs by city
  3. Bundling
  4. FAQs

Renters insurance prices in Rhode Island by insurer

Rates for renters insurance in Rhode Island differ based on the insurance company you use. State Farm sells the cheapest renters insurance in Rhode Island, at just $116 yearly. This compares favorably to the state average cost of $310, offering a 63% price cut on the state's average rate.

Begin your search for a renters insurance policy by checking out the cheapest Rhode Island carriers, listed below.

InsurerAverage Yearly Rate in Rhode Island
State Farm$115.50
Providence Mutual$124.67
Narragansett Bay$154.48

Rhode Island renters insurance prices by city

Renters insurance rates in Rhode Island vary depending on the city. Rates depend on city-specific variables, including the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable renters insurance in Rhode Island is found in Pascoag. An average renters insurance policy in Pascoag costs $306 per year — $4 less than the average policy in other Rhode Island cities. The below table shows the best places to live in Rhode Island if you’re looking for cheap renters insurance.

CityAverage Yearly Renters Insurance Rate

Rhode Island insurance bundling discounts: renters and auto

If you’re seeking ways to save on your insurance expenditures, consider purchasing your renters and auto policies from the same insurance company. A renters and auto insurance bundle in Rhode Island can lead to substantial savings on your auto insurance policy. In fact, bundling policies in Rhode Island leads to a yearly savings of $116.

Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

One of the best ways to save on auto insurance is to bundle your policies. Get started today!

Rhode Island renters insurance FAQs

Is renters insurance required in Rhode Island?

Rhode Island landlords can require you to carry renters insurance as a part of your rental agreement. This will protect not only any accidental damage you cause to the property, but will also cover your personal possessions in the event of a loss.

How do I buy renters insurance in Rhode Island?

Rhode Island has many options for renters insurance. Our recommendation would be to simply shop around with as many as you can in order to get the best coverage at a good rate.

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