Rhode Island Home Insurance
Independent agency serving the home insurance needs of Warwick, East Greenwich, Cranston, and all of Rhode Island since 1974.
Your home is your most valuable asset and an integral part of your daily life. That’s why having the right homeowners insurance policy in Rhode Island is so important. If your home were damaged or destroyed, would your policy offer enough protection to get your life back on track?
The Insurance Center of Warwick, RI can help you find a homeowners insurance policy that will offer you the protection you need at a price you can afford.
About Homeowners Insurance in Rhode Island
Homeowners insurance offers financial protection if you suffer a loss to your home due to fire, theft, vandalism, or other covered event. In addition to providing protection for your home, the right policy will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
How much does homeowners insurance cost?
The amount you pay for homeowners insurance in Rhode Island will depend on several factors, including:
- The coverages you select. In most cases, coverage options for home insurance are priced individually, so how much you’ll pay for your policy depends on what coverages you select.
- How much you want to cover. The amount you pay is heavily influenced by the estimated replacement cost of your home.
- Your deductible. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you have a $1,000 deductible, you would be responsible for paying the first $1,000 of a covered loss.
What does homeowners insurance cover?
Every homeowners insurance policy is different, but most policies provide the following coverages:
Property or Dwelling Coverage
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Personal Liability Coverage
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.