Homeowners insurance in Rhode Island.
38 independent agencies are licensed to write homeowners insurance across Rhode Island, with the most listings in North Kingstown, Providence, Warwick. Independent agents aren’t tied to one carrier — they compare home coverage from multiple companies to fit your situation.
What homeowners insurance can cover
- Dwelling coverage
- Other structures (garage, fence)
- Personal property
- Personal liability
- Loss of use / additional living expenses
- Scheduled valuables (jewelry, art)
Coverage needs vary. A licensed agent will help you decide what applies — we don't provide quotes or advice.
Homeowners agencies across Rhode Island.
The Rhode Island communities with the most homeowners listings. Pick yours to see local agencies.
Frequently asked questions
How many independent homeowners agencies are in Rhode Island?
Public licensing records list 38 independent agencies licensed to write homeowners insurance across Rhode Island, in 14 communities. 17 Rhode Island agencies have records going back 20 or more years.
How do I get homeowners insurance quotes in Rhode Island?
Tell us what you need once and we route your request to a licensed independent agency that serves your area in Rhode Island. You'll see who may contact you before you submit — and we never sell your information.
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Flood coverage is purchased separately — an agent can walk through whether your location calls for it.
Other lines in Rhode Island.
Find Independent Insurance is operated by Relay and is not an insurance agency, broker, or carrier. We do not provide quotes, insurance advice, or coverage recommendations, and we do not guarantee coverage or price. Licensed independent agencies handle quotes, advice, and policy placement.