Country Guide
Best Home Insurance in Rhode Island (2026)
Rhode Island homeowners face coastal flooding and hurricane risks. Compare top carriers for comprehensive RI coverage.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Rhode Island
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | Amica Mutual | Customer service | $1,560/yr | — |
| 2 | State Farm | Agent network | $1,740/yr | — |
| 3 | USAA | Military families | $1,380/yr | — |
| 4 | Travelers | Coastal coverage | $1,920/yr | — |
| 5 | Allstate | Local agents | $2,040/yr | — |