Rhode Island · Home Insurance
Rhode Island Home Insurance Guide
Average premiums, state minimum requirements, and a personalized calculator for Rhode Island home insurance.
State Avg Annual
$1,535
Regional Risk Factor
×1.10
State Code
RI
Estimated Premium
$4,258/ year
$355 per month · $280k dwelling
State base premium$3,429
Property value factor×1.17
Square footage factor×1.11
Coverage tier×1.00
Regional risk×1.18
About home insurance in Rhode Island
The average homeowner in Rhode Island pays $1,535 per year for home insurance. Regional risk factor: ×1.10 relative to the national average.