The Best Home Insurance in Rhode Island for 2025

Chubb, The Andover Companies and USAA are the best home insurance companies in Rhode Island, according to our analysis.

To help you find the best home insurance in Rhode Island, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.4 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Below are more details about the best homeowners insurance companies in Rhode Island.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Chubb offers coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage in case it costs more than your dwelling limit to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders with secondary or seasonal homes in Rhode Island are eligible for the company’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.

» READ MORE: Chubb homeowners insurance review

The Andover Companies’ home insurance generally comes with more coverage than provided by a standard home insurance policy. In particular, Andover stands out for providing guaranteed replacement cost coverage for most homes. This means Andover will pay to rebuild your home after a covered claim, no matter what it costs.

Most Andover policies also include replacement cost coverage for your personal belongings, which means you’ll get enough to buy brand-new stuff after a covered claim. You can add coverage for valuables like jewelry or firearms, or to replace refrigerated food you have to throw out after a covered power outage.

» READ MORE: Andover Companies homeowners insurance review

Amica shines when it comes to customer service. It draws a very low rate of complaints compared to other insurers, according to the National Association of Insurance Commissioners. Amica also earned high marks in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company stands out for its broad range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support an insurer that values sustainability, consider Cincinnati Insurance. In recent years, the insurer has cut fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You might be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. You can also add coverage for water damage caused by a backed-up sewer or drain. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.

» READ MORE:Travelers homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers some perks for members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

The average annual cost of home insurance in Rhode Island is $2,080. That’s nearly the same as the national average of $2,110.

In most states, including Rhode Island, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Rhode Island, those with poor credit pay an average of $3,475 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 67% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

How much you pay for homeowners insurance in Rhode Island depends on where you live. For instance, the average cost of home insurance in Providence is $2,420 per year, while homeowners in Newport pay $2,455 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Rhode Island average of $2,080.

» MORE: The cheapest homeowners insurance

Here are a few of the most common risks you might face as a homeowner in Rhode Island

Flooding

Home insurance typically doesn't cover flood damage. If you’re concerned about flood damage, consider buying flood insurance. You can buy flood insurance at any time, but there’s typically a 30-day waiting period before the coverage takes effect.

To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: How to choose the best flood insurance company

Winter storms and nor’easters

Homeowners insurance typically covers most damage caused by winter storms, but your policy may have limitations or exclusions. For example, water damage caused by snowmelt may only be covered by a separate flood insurance policy.

Coastal storms and hurricanes

There are two primary risks associated with coastal storms and hurricanes: wind and flooding. Flood damage, as discussed above, is not included in standard homeowners insurance policies. If you live in a coastal area, consider buying flood insurance.

You may have a separate hurricane deductible that kicks in when a hurricane warning is issued and remains in effect for 24 hours. In Rhode Island, your hurricane deductible can be a flat rate or a percentage of your dwelling coverage limit (or a combination of the two). Either way, it can’t exceed 5% of your home’s insured value. So if your home has $300,000 worth of dwelling coverage, you could have a hurricane deductible up to $15,000.

Rhode Island department of insurance

The Insurance Division of the state's Department of Business Regulation oversees the insurance industry in Rhode Island. In addition to providing answers to common questions about insurance, the agency's website also includes an online form that allows you to file a complaint against your insurer. Contact the division with questions by email at DBR.Insurance@dbr.ri.gov or by phone at 401-462-9520.

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.