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Don’t wait for an unexpected mishap, such as a fire in your apartment, a water leak in your bathroom, or a thief interested in your belongings, to think about getting renters insurance.  We’ve done the research for Rhode Island renters in need of a policy.  If you are looking for average cost, coverage options, discounts or more–this guide is for you.

The Price For Rhode Island Renters Insurance

For Rhode Island renters, the average cost of a renters insurance policy is approximately $182– or 3% less than the national average. Even at minimum wage, it would take only 20hours to pay for a year’s worth of coverage. If you’re not convinced, take a moment to consider everything in your home—jewelry, media, shoes, kitchenware. Now think about much money it would take to replace all of those items if they ended up lost or damaged in a fire. If you obtain rental insurance coverage, the financial burden won’t be exclusively yours to bear, if you had to file a claim.

Rhode Island Rental Insurance Coverage

A renters insurance policy can provide coverage against weather-related disasters such as a fire, wind damage, and other hazards. Some policies may also include liability coverage to offset expenses for personal injuries that happen in your home.

Lastly, renters insurance can help cover stolen property as well.  Considering that there were 5,949 burglaries in Rhode Island in 2012, rental insurance coverage can be a huge asset. If some of your favorite possessions end up damaged during a break-in, for example, rental insurance would help pay for their repair. Or, if repair isn’t an option, rental insurance policies often replace belongings at full retail price.

Discounts for Rhode Island Renters

Insurance companies use a variety of factors to help them determine how much risk they are taking on by writing you a policy when quoting you a rate.  These factors include, your address, claims history, current policies, and more. You may be able to pay less if you qualify for the following discounts:


  • Multi-Policy: Bundle auto or another insurance plan with renters insurance and save.
  • No Prior Claims: Save on your insurance bill if you have a clean claims record.
  • Safety Devices: Installing safety systems like smoke alarms and security systems can result in premium discounts.
  • Higher Deductibles: If you opt into a plan with a higher deductible, you’ll have a lower payment amount every month. Watch out for this though. Your deductible is something you’re responsible for paying if you file a claim.

    Did You Know?

    Around 39% of Rhode Islanders rent. When many of those renters are already paying an average of $961 per month for a two-bedroom rental, $182 for a full year of rental insurance is a relatively modest expense. Don’t undervalue the peace of mind renters insurance can offer.

    Get Expert Help

    Talking to a licensed agent is the best way to get a quote tailored for you.  Ready to start shopping? Call [mapi-phone /] today.


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