Best Renters Insurance Rhode Island / Compare Costs & Coverage In RI

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Best Renters Insurance Rhode Island

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Location is the #1 factor in determining the cost of your renter’s insurance

So it makes a lot of sense for you to search Best Renters Insurance Rhode Island if you need a policy. 

However, a Rhode Island Renters Insurance search can take a lot of time and leave you frustrated with unanswered questions. 

But, it doesn’t have to be that way. 

Finding cheap RI Renters Insurance can be a simple process that can be completed online today in just a few minutes. 

We’ll review everything you need to know about the cost and coverage's and where to get the best Renters Insurance in Rhode Island online.

Update: 2021 Rhode Island Renters Insurance Review

Do you need help shopping for renter’s insurance in Rhode Island? Our comprehensive review will help with this process.

You’ll find answers to common questions, including whether or not your landlord can require you to buy renter’s insurance. You’ll find options for getting personalized quotes and links to individual reviews for different RI insurance providers, including companies like Nationwide, AA Renters Insurance, or MSI Renters.

We’ll also discuss what a renter’s insurance policy typically covers, how much coverage you should buy, and what you can expect to pay in Rhode Island.

What Factors Determine a Rhode Island Renters Insurance Rate?

Renter’s insurance providers look at different factors when giving you personalized rates. One of the things they will consider is your credit score. If your score is higher than 670, insurance companies will consider that you have a good score and can manage your finances responsibly. The higher your credit score is, the more you’ll save on your policy.

They will also look at the kind of property you rent. Premiums tend to be more affordable if you live in a large building with several units. On the other hand, renting a unit in a smaller property or living in a single-family home will result in higher premiums.

Can A Landlord In Rhode Island Require Renters Insurance? 

It doesn’t matter if you live in Providence, Pawtucket, or Woonsocket, landlords can be a pain. 

A question we are often asked by soon to be tenants, is, ‘Can a landlord in Rhode Island require renters insurance?’

The simple answer is Yes. 

If RI renters insurance is included as a requirement in your lease, you must comply with those terms and buy rental coverage. 

This isn’t necessarily a RI thing because the answer to, ‘Is renters insurance required in Rhode Island?’ It is the exact opposite. 

No, Rhode Island does not require renters insurance, but with 10% of people in Rhode Island renting, it makes a lot of sense to protect your self and your stuff. 

A good place to start would be by determining What Is Renters Insurance And Why Do I Need It.

FREE Renters Insurance Quotes - RI - Cities

Location is the biggest factor in determining the cost of your renters insurance.  You can save money by getting a quote from an insurance company near you. 

Select Your City Below

What Is The Best Renters Insurance In Rhode Island?

It is estimated that the State of Rhode Island has over 104,394 renters, and every one of them should be looking for the best renters insurance in RI

RI has the best renters insurance options offered by multiple, well known, and respected insurance companies. 

It doesn’t matter if you are in Providence or Pawtucket to get the best RI renters insurance you will want to get the right coverage.

Several factors go into finding the best renters insurance in Rhode Island that will affect your policy. 

Your past insurance history, desired coverage amounts, the location of the rental, and this one may come as a bit of a surprise, but your credit score may also be considered.

You can learn more about the process in our article, How To Get Renters Insurance

Which Companies Offer Renters Insurance In Rhode Island?

What Does Renters Insurance Cover In Rhode Island

Many RI residents in Cranston and Warwick mistakenly believe that their Landlord’s insurance protects their personal items. 

This is not the case and is the reason you need to know, ‘What does renters insurance cover in Rhode Island.’

RI Renters Insurance covers personal loss due to fire, theft, or vandalism. 

A Rhode Island Renters Insurance policy will also cover your liability if a guest is injured on-premises or you damage the Landlord’s property. 

A Renters Insurance Rhode Island policy does not cover your personal possessions that may break by accident or normal wear or tear. 

Get a much more complete answer to in our article,  What Does Renters Insurance Cover.

Coverage Type

What It Should Cover...

Personal Property

This coverage is for your personal stuff, clothes, electronics, furniture, etc. Should cover up to policy limits.


This will cover you if you accidentally damage your Landlords property or a guest is injured and it is your fault.

Additional Living Expenses

If your place is damaged so bad you can't stay, you will be reimbursed for things like hotel bills.

Recommended Amount Of Renters Insurance In Rhode Island?

It is difficult to recommend the amount of Rhode Island renters insurance you may need.

This is because the factors that go into deciding on your coverage amounts are particular to each individual. 

Location plays a significant factor in the recommended amount of renters insurance in Rhode Island

This is because if you live in Providence, Pawtucket, or Woonsocket, you may need more or less based on the value of the property you are renting. 

The bottom line is you should probably buy as much insurance as you can comfortably afford based on the value of your personal possessions. 

We get a lot more in-depth in helping you make this decision in our article How Much Renters Insurance Do I Need.

How Much Is Renters Insurance In Rhode Island

The cost of renters insurance in RI depends primarily on your coverage's and the location of your rental. 

Answering the question of, ‘How much is renters insurance in Rhode Island’ would be difficult without knowing your personal situation and preferences. 

However, renters insurance Rhode Island costs on an average annual basis of $182.00

The average cost of renters insurance in Rhode Island monthly is $15.17, which is very affordable. 

Keep in mind to determine how much is renters insurance in RI your rental location could make these average costs much higher or lower.

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Cheapest Renters Insurance RI

It would help if you didn’t live in places like Providence, Pawtucket, and Warwick to get the cheapest renters insurance in Rhode Island

Location plays a huge role if you want to get cheap renters insurance RI

That means places like Woonsocket and Cranston may be cheaper because the property values should be less. 

Two other factors will help you get the cheap renter’s insurance Rhode Island, which includes your insurance claim history and your credit score. 

If you are living in a relatively cheap property with no rental claims and a good credit score, expect the cheapest renters insurance in RI.

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