Rhode Island renters insurance

Rhode Island renters insurance coverages

Check out the four standard coverages on nearly all Rhode Island renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Rhode Island is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you’re liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Rhode Island?

Renters insurance isn't required by law in Rhode Island, but your landlord or rental company may require you to have a renters policy in place before you can move in. Even when optional, renters insurance can offer an important and inexpensive safeguard for tenants renting homes, apartments, and condos throughout Rhode Island.

Is renters insurance worth it in Rhode Island?

Renters insurance can provide coverage for tenants in a variety of situations:

• A fire at your rental home causes significant damage, and you must live elsewhere while repairs are made. Loss of use coverage may pay for a hotel stay, up to your coverage limit, as well as meal expenses, above what you normally spend.
• Your apartment is broken into, and several items are stolen. Personal property coverage may pay to replace your stolen belongings, up to your coverage limit.
• Your dog bites a neighbor in the elevator of your apartment complex. Liability coverage may pay their medical bills, up to your coverage limit.

How much is renters insurance in Rhode Island?

Progressive renters policies in Rhode Island had an average monthly price of $21.05 or $252.60 for an annual policy, in 2023.^** Remember that your cost for renters insurance is determined by many components, including your location, type of residence, and claims history.

Coverage limits may also affect your renters insurance premium. Generally, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Rhode Island?

Take advantage of renters insurance discounts to help lower the cost of your policy in Rhode Island. Progressive offers discounts for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436, or speak with a local agent to help ensure you're getting all applicable discounts.

Get a Rhode Island renters insurance quote