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Best homeowners insurance in Rhode Island of 2021 Bankrate 3/8/2021 © stevegeer/Getty Images stevegeer/Getty Images Almost 62% of Rhode Islanders own a home, but insurance in the smallest state is relatively expensive. The average home insurance premium in Rhode Island is $1,096 per year for a policy with $250,000 in dwelling coverage. Because the state is situated along the coast, many houses are susceptible to damage from strong winds, hurricanes and storm surges. © stevegeer/Getty Images Newport Rhode Island Before purchasing homeowners insurance in Rhode Island, there are a few things to consider. You should determine how much coverage you need, what deductible you can afford and if you need coverage above and beyond your policy s limits. If you have a mortgage, make sure you know the minimum amount of coverage required by your lender.

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