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We know finding the perfect home wasn’t easy, but protecting your home and belongings can be. Whether you have planted your family's roots in Providence, Cumberland or Warwick, rest easy while you're home or away with Rhode Island home insurance. For over 85 years, Nationwide has been helping our members protect what’s most important. Our policies are flexible to fit your needs, plus you may be able to save even more with our homeowners insurance discounts. Get an insurance quote today to begin protecting your home in Rhode Island.

Rhode Island homeowners coverages and discounts

What we can cover

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

Explore coverages & options

Brand New Belongings®

Repair or replace your covered possessions, regardless of age or condition.

Get Brand New Belongings®

Homeowners insurance discounts

Making your policy more affordable.

See how you can save

What factors go into determining a homeowners insurance rate?

While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

Location

Location includes the state, ZIP code, and claims history of the area.

Construction

The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

Age of the house

How new or old the house is, and the upgrades that were made to an older home.

Replacement cost

The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

Swimming pool

Owning a swimming pool may increase your liability coverage to cover possible injuries.

Home-based business

If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

Policy features that may meet the needs of Rhode Island homeowners

Whether you reside in Cranston, Pawtucket or Woonsocket, Nationwide is here to protect what's most valuable to you.
  • Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
  • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

Nationwide agents throughout Rhode Island are ready to assist you

Select your city below to find an agent near you.
Want to find a local agent in your neighborhood?
We have Nationwide agents throughout Rhode Island.
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Get a free Rhode Island homeowners insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Rhode Island homeowners insurance quote today.

Nationwide coverage in Rhode Island

Motorcycle insurance

Find motorcycle coverages and discounts for your state.

Auto insurance

Find auto coverages and discounts for your state.

Renters insurance

Find renters coverages and discounts for your state.

On Your Side® Review

Make sure your insurance keeps up with your life.

[1] Water Backup is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.