Fire Insurance Quotes


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Rhode Island Fire Insurance Quotes

Are you looking for a way to compare home fire insurance companies in Rhode Island? We can provide a simple way to shop for homeowners insurance online so you can save money with a great policy. Whether you live in Warwick or Providence we can help all homeowners in Rhode Island compare rates in only a few minutes. Try today and see how easy it is to get the rate you deserve with the coverage you need.

What is Fire Insurance?

Home insurance can have many different terms just like fire insurance. Over one hundred years ago when the first insurance companies were starting they only covered fires. The name has stayed the same but the policies have changed a lot in that time. Today many home insurance companies continue to call the policy a fire insurance policy that protects against fire, wind, hail, snow and theft just to name a few perils.

Don't think of fire insurance as just a one minded type of policy. In fact many policies are sold as package deals today that include other protection like identity theft protection, vandalism and water backup. Keep your mind open when you hear the term home fire insurance but always ask the agent if you have questions about what may not be covered.

Home Fire Insurance Basics

When you look at getting home insurance in Rhode Island many companies will offer package policies that not only insure against fire but other types of losses. The decision to insure a property for only one or two types of losses can be costly if a disaster occurs that is not insured.

Here are a list of home fire insurance policy types:

HO-1: A bare bones policy that protects against theft and most weather losses like wind and hail.

HO-2: Building on the HO-1 policy this also provides coverage for ice/snow, falling objects and water damage directly related to freezing pipes.

HO-3: A very popular choice for homeowners looking to cover all physical losses expect those excluded on the policy. No personal property would be included.

HO-4: Covers personal property and liability for damage caused to the unit which is usually rented by a landlord.

HO-5: Includes all the features of the HO-3 plus personal property coverage. Any exceptions listed on the policy are excluded.

HO-6: It is the policy designed for condo owners which may include personal property and liability limits.

HO-8: Offers cash value instead of replacement cost and covers similar types of losses as an HO-1.

Own a condo in Rhode Island?

Even if you own a condo in Rhode Island you still want to have protection against fire, theft, and wind to name a few perils. Most homeowner's associations in Rhode Island will require the condo owner to provide insurance coverage proof. This will include a minimum level of liability insurance and personal property coverage. Basically the building wants to make sure if you are responsible for a fire or something that causes damage to the building that you are able to pay.

Condo fire insurance quotes can show you just how much each company charges based on different coverage limits. Spend some time now to get quotes so you have the most affordable policy with the coverage that meets your needs.

Home Fire Insurance by City

  • Providence
  • Warwick
  • Cranston
  • Pawtucket
  • East Providence

More cities are included but these are the largest in Rhode Island.



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