Rhode Island home insurance
Trust Mapfre Insurance to protect your Rhode Island home and give you peace of mind.
Your home is more than an address. It’s where life’s most meaningful moments happen, and it’s one of your most important investments. Protecting it means peace of mind for you and your family. At Mapfre Insurance, we’re dedicated to safeguarding what matters most, so you’re ready for whatever life brings.
Whether you’re buying your first home in Rhode Island or looking for a new insurance partner, our policies are designed with the local community in mind. You’ll enjoy comprehensive coverage, competitive rates, and personalized service every step of the way.
Have questions? Our experienced independent agents are here to guide you. Ready to begin? Request your free Rhode Island home insurance quote today and feel confident about your coverage.
Rhode Island home insurance laws
Rhode Island doesn’t require homeowners to carry home insurance by law. However, most mortgage lenders will ask for proof of coverage before approving your loan. In fact, many lenders include insurance in your escrow account to help protect both their investment and yours if something significant happens while you’re still paying off your home.
Even if your home is paid off, having home insurance is one of the smartest financial protections you can choose. It can save you from the high cost of unexpected repairs and offers peace of mind that comes with knowing your home is safeguarded from life’s uncertainties.
What is covered by standard homeowners insurance in Rhode Island?
Your home faces a variety of risks, from coastal storms to winter weather. That’s why a standard homeowners insurance policy in Rhode Island generally includes protection against fire, wind, hail, lightning, and theft, all common perils in the region. Vandalism coverage is also included, along with liability protection if someone is injured on your property.
While Mapfre does not provide flood insurance in Rhode Island, you can secure this coverage through the National Flood Insurance Program (NFIP). If you’re concerned about earthquakes, Mapfre offers an optional earthquake endorsement for added peace of mind.
It’s always smart to review your policy annually and consider extra protection for valuables or specific risks. Life changes and protecting your home should change with it. With Mapfre, it’s easy to make sure you’re ready for the unexpected.
| Coverage | Owner Occupied | Renters | Condominium |
| Coverage A: Dwelling | $100,000 minimum/ $1,500,000 maximum (up to $2,000,000 with underwriter’s approval) | None | $5,000 minimum/ $250,000 maximum (up to $500,000 with underwriter’s approval) |
| Coverage A: Secondary/seasonal | $100,000 minimum/ $500,000 maximum (up to $1,000,000 with underwriter’s approval) | None | $5,000 minimum/ $250,000 maximum (up to $500,000 with underwriter’s approval) |
| Coverage B: Other structures | 10% of coverage A/100% maximum | None | None |
| Coverage C: Personal property | 30% of coverage A/100% maximum | $20,000 minimum/ $200,000 maximum (up to $500,000 with underwriter’s approval) | $25,000 minimum/ $200,000 maximum (up to $500,000 with underwriter’s approval) |
| Coverage D: Loss of use | 20% of coverage A/100% maximum | 30% of coverage C/150% maximum | 50% of coverage C/150% maximum |
| Coverage E: Personal liability | $100,000 minimum/ $1,000,000 maximum | $100,000 minimum/ $1,000,000 maximum | $100,000 minimum/ $1,000,000 maximum |
| Coverage F: Medical payments to others | $1,000 minimum/ $5,000 maximum | $1,000 minimum/ $5,000 maximum | $1,000 minimum/ $5,000 maximum |
| Deductibles: All perils | $500 minimum/$10,000 maximum | $500 minimum/$10,000 maximum | $500 minimum/$10,000 maximum |
Dwelling: This coverage helps pay to repair or rebuild the main structure of your Rhode Island home if it’s damaged by a covered event, like a fire or severe weather. It’s important to note that not all disasters are included, so you’ll need separate flood insurance for protection against flooding.
Secondary: A secondary home is an additional property you live in for part of the year, not just for recreation, and you, as the owner, occupy it for at least half the year.
Seasonal: A seasonal home is a property that is left vacant for at least three straight months during any given year.
Other structures: This part of your policy covers things on your property that aren’t physically connected to your house, such as a detached garage, fence, shed, or gazebo. If a covered event, such as a storm or vandalism, damages them, this coverage helps cover repair or replacement costs.
Personal property: This helps protect your belongings, like clothing, electronics, or furniture, inside your Rhode Island home. If they’re damaged or destroyed by a covered cause, you can file a claim to get help replacing your items.
Loss of use: If you can’t live in your Rhode Island home after a covered loss, this coverage pays for your extra living expenses. It can help with costs like temporary housing, hotel stays, and increased transportation until your home is repaired or rebuilt.
Personal liability: This protects you if you’re held responsible for injuries to others or damage to their property. For example, if a guest falls and gets hurt at home, this coverage can help with their medical expenses or legal fees.
Medical payments to others: This part of your policy helps pay for medical costs if someone is accidentally injured at your Rhode Island home, no matter who was at fault. It’s especially useful for minor injuries to guests, providing peace of mind for you and your visitors.
Deductibles – All perils: This is the amount you’ll pay out of pocket before your Rhode Island home insurance starts covering most types of claims, including fire, theft, or vandalism. Unless your policy lists a special deductible for events like hurricanes or windstorms, the all-peril deductible applies to all covered losses.
Which additional coverages are available for Rhode Island homeowners?
A homeowners policy in Rhode Island can be enhanced with optional coverages designed to give your home even more protection.
Identity fraud protection: dentity fraud protection: With this coverage, you’re protected for up to $15,000 in costs related to identity fraud, subject to a $250 deductible. You’ll also benefit from CyberScoutTM services, which offer credit file alerts, credit monitoring, and dedicated assistance from a fraud specialist to help you resolve any issues.
Personal property replacement cost loss settlement: With this optional endorsement, you can get the full replacement cost for many of your belongings, not just their current value. This includes items like appliances, carpets, window coverings, and more, so you can replace what you lost with something new if you ever need to make a claim.
Scheduled personal property: This endorsement lets you add extra protection for your valuable items, like jewelry or collectibles, by specifically listing them on your policy. Just keep in mind that the total amount you can schedule is up to half of your Coverage C limit, and jewelry is limited to a quarter of that amount.
Matching of undamaged roof surfacing: With this endorsement, if you need to repair or replace part of your roof after a covered loss, your policy can help pay to match the undamaged areas. This is especially useful if your roofing materials are older or no longer available, so your roof keeps a consistent look.
Limited loss settlement for windstorm or hail losses to roof surfacing: This endorsement updates the way your roof is covered if it’s damaged by wind or hail. Instead of paying the full repair or replacement cost, it covers a set percentage, which helps keep your policy in line with today’s roofing risks and trends.
Limited water back-up and sump discharge or overflow coverage: This endorsement helps protect your home from water damage caused by backed-up drains or sump pump overflows. It pays up to $5,000 each time it happens, and up to $10,000 during your policy period, so you have extra peace of mind if the unexpected occurs.
Matching of undamaged siding: This endorsement helps cover the cost to match your undamaged siding if you need repairs after a covered loss. It’s a great way to avoid mismatched areas, especially if your siding isn’t fully covered by your main property policy.
What discounts are available in Rhode Island for Mapfre Insurance homeowners?
Looking for ways to save on your homeowners insurance? At Mapfre Insurance, protecting your home should also come with real value. That’s why we offer a variety of discounts designed to make comprehensive coverage more affordable. Eligible discounts may include:
- Endorsement combination discount: This discount is applied to optional coverages added to your home policy when you have at least two additional coverages. The maximum discount is available when 11 coverages are added.
- Multi-policy: Bundle your home and auto policies with us and enjoy extra savings on your home, renters, or condo insurance when you also have an auto policy with us.
- Protective devices: Residences equipped with protective devices, such as burglar alarms, fire alarms, sprinkler systems, lightning protection, or located within a gated community, are eligible for a discount.
- Windstorm mitigation: This discount is applied when mitigation features such as roof bracing, reinforced exterior doors, storm shutters, and/or laminated glass windows have been professionally installed on the property.
- Years claim free: This discount applies when there have been no new paid claims on the policy for at least one year.
Maximize your savings without compromising protection. Ask your local independent agent about these discounts and find out how much you could save today.
Common questions about Rhode Island home insurance
Why do I need homeowners insurance in Rhode Island?
Homeowners insurance helps cover your house and belongings if something unexpected happens, and it also gives you liability protection if someone gets hurt on your property. That way, you can relax knowing you’re covered.
Is homeowners insurance required in Rhode Island?
Rhode Island doesn’t require homeowners insurance by law, but if you have a mortgage, your lender will probably ask you to get a policy. Even if it’s not required, having coverage means you’re protected if something goes wrong.
How much is home insurance in Rhode Island?
Home insurance costs can be different for everyone. Things like where you live, how old your house is, and how much coverage you want all play a part. An independent agent can help you figure out what you need and find a policy that fits your budget.
How much insurance coverage should I have for my Rhode Island home?
No two homes are alike. Our independent agents collaborate with you to determine the appropriate coverage amount and customize your policy limits, ensuring you’re always properly protected.
What happens if you can't get home insurance in Rhode Island?
If you’re having trouble securing coverage, you still have options. Ask about the Rhode Island FAIR Plan, a program designed to help homeowners who can’t find coverage in the standard market.
Find a Rhode Island insurance agent near you
Mapfre Insurance partners closely with independent agents throughout Rhode Island. These local professionals can help you secure the right coverage, discover savings, and simplify the process of comparing home insurance rates. Use our agent locator or select your city from the list below to find a trusted agent near you.
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Please Note: This is meant only to provide general information about commonly available insurance coverages. Except as expressly noted, this content is not intended to describe any specific coverage offered by Mapfre Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.
Mapfre Insurance® is a brand and service mark of Mapfre U.S.A. Corp. and its affiliates, American Commerce Insurance CompanySM (Cal. COA 4928-8); Citation Insurance CompanySM; The Commerce Insurance CompanySM; Commerce West Insurance CompanySM (Cal. COA 1372-2); and Mapfre Insurance CompanySM (Cal. COA 3039-5). Not all products available in all states.