Home Insurance in Rhode Island

Home Insurance in Rhode Island averaged $2,396 a year in 2023, 38% above the national average, per the NAIC, plus the rules that shape your policy.

What home insurance costs in Rhode Island

Homeowners in Rhode Island paid an average of $2,396 a year on a standard HO-3 policy in 2023, 38% above the national average of $1,737. HO-3 is the form most owner-occupied homes are written on; averaged across every owner-occupied and dwelling-fire form the figure is $2,318.

Rhode Island rules worth knowing

• HO-8 (older homes, repair-cost basis): $1,438 a year
• Regulator: Rhode Island Department of Business Regulation; Division of Insurance

Source: NAIC Homeowners Insurance Report, 2023 data. Figures are the most recent the NAIC has published; nothing on this page is estimated or modelled.