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Rhode Island home insurance: official resources
Most states publish tools nobody knows about: sample rate comparisons, consumer guides, complaint lines, and an insurer of last resort. Pick your state to find yours.
These links go to official state government sites. Sample rates are not quotes. CoverageDecoder receives nothing from any state or insurer, and a cheaper company on a state's list is not a recommendation from us.
Rhode Island
Talk to a person
Rhode Island Department of Business Regulation, Insurance Division
Compare sample rates
Rhode Island does not publish a rate comparison tool.
What it does publish: Homeowners insurance consumer publication (PDF)
File a complaint
File a complaint with the Rhode Island Department of Business Regulation, Insurance Division
If no company will insure you
Rhode Island's FAIR plan is the Rhode Island Joint Reinsurance Association. Its website could not be reached when we checked; apply through a licensed agent, or ask the Division's consumer line.
Links verified September 3, 2026. Found a broken one? Email support@coveragedecoder.com.
All links open the state's own site in a new tab.
So... is it in YOUR policy?
Your state's department can tell you what companies charge. CoverageDecoder tells you what your own policy says. The free quick check is built from your answers about your home and walks through the topics they point to. Upload your own policy document for the one-time $9 full review, which also shows you what it found, with no insurance jargon.
No app to download. No subscription. The quick check is free. The full review is a one-time $9.
CoverageDecoder is an educational tool, not insurance advice. For decisions about your coverage, talk with your licensed insurance agent.