Best Homeowners Insurance in Rhode Island (2024)

Amica is Rhode Island's top home insurance company, saving you money without compromising quality. Its superior offering caters to various needs, ensuring you find a suitable policy. State Farm is the most economical choice for budget-conscious homeowners. For those with new homes, Nationwide is the best choice.

Our assessments were based on a default dwelling coverage of $100,000. Remember, the level of dwelling coverage you choose will influence your premium. MoneyGeek has also researched the cheapest home insurance in Rhode Island for budget-focused customers.

Amica is the best homeowners insurance provider in Rhode Island for those looking for exceptional coverage. Take a look at the best overall homeowners insurance providers:

• Amica: MoneyGeek score of 88 out of 100 ($900 per year)
• State Farm: MoneyGeek score of 84 out of 100 ($603 per year)

Rhode Island offers a range of home insurance companies that present various cost and service experiences. Finding the right balance between affordability and quality service is crucial, and it is essential to consider your personal needs when selecting a provider. Carefully weigh the cost against the service offerings to ensure you make an informed decision for your home insurance.

Amica is the leading home insurance provider in Rhode Island, ensuring top-tier service quality for homeowners. Explore the best homeowners insurance providers in Rhode Island for service quality.

• Amica: MoneyGeek score of 91 out of 100 ($900 per year)
• Nationwide: MoneyGeek score of 62 out of 100 ($842 per year)

Valuing service quality in a home insurance provider means prioritizing responsiveness, support and hassle-free claims processing. Homeowners deserve a provider that offers a helping hand swiftly and efficiently, such as during a stressful event like a burst pipe causing water damage.

State Farm provides the cheapest homeowners insurance in Rhode Island. These providers rank as the top two best and cheapest insurers for cost-conscious homeowners:

• State Farm: MoneyGeek score of 92 out of 100 ($603 per year)
• Amica: MoneyGeek score of 86 out of 100 ($900 per year)

State Farm's perfect affordability score highlights its commitment to providing budget-friendly options for homeowners. While it offers the cheapest premiums, remember that the lowest price doesn't guarantee the best service. Considering both the average cost of home insurance in Rhode Island and the quality of service is crucial. For instance, in the event of a natural disaster, you'll want a provider that saves you money and provides reliable support.

For those with expensive homes in Rhode Island, Amica is the leading home insurance provider. These providers are top choices for homes needing $1 million in dwelling coverage:

• Amica: MoneyGeek score of 86 out of 100 ($4,983 per year)
• State Farm: MoneyGeek score of 84 out of 100 ($3,477 per year)

Amica's high affordability score indicates a competitive rate for the high-value coverage many expensive homes need. Because these properties often necessitate more insurance, choosing a provider that delivers an ideal mix of cost efficiency and comprehensive coverage is crucial.

Nationwide is unrivaled for home insurance in Rhode Island for new homes. These providers rank as the top two for a standard $500K dwelling coverage:

• Nationwide: MoneyGeek score of 84 out of 100 ($1,432 per year)
• Amica: MoneyGeek score of 72 out of 100 ($1,872 per year)

With an impressive affordability score and a commendable service rating, Nationwide offers an unbeatable combination of cost-efficiency and reliable customer service for those with new homes. Homeowners in Rhode Island can enjoy the peace that comes from this balance.

Amica is the top provider in Rhode Island for veterans seeking homeowners insurance, offering ideal coverage tailored to their specific needs. Take a look at the best and cheapest homeowners insurance providers in Rhode Island for veterans and military families:

• Amica: MoneyGeek score of 88 out of 100 ($900 per year)
• State Farm: MoneyGeek score of 84 out of 100 ($603 per year)

The leading homeowners insurance company for veterans provides more than just financial security; it understands the importance of flexibility for those who face frequent relocations and deployments. Top insurers ensure comprehensive protection of their assets no matter where their service takes them.

The best homeowners insurance providers balance excellent customer service and robust coverage at a reasonable price. However, your individual requirements will dictate which policy best fits you, considering factors such as your home's value and your risk tolerance. These steps will guide you through selecting top-tier homeowners insurance, ensuring you make an informed and financially savvy decision tailored to your unique circumstances.

Selecting the top homeowners insurance provider in Rhode Island is a personalized process guided by your unique requirements. The answers to these commonly asked questions about homeowners insurance will help you make an informed choice.