The best renters insurance companies combine affordability with a variety of protective policy features and reliable customer service. To help Rhode Island renters find the right coverage, we compiled over 100 quotes and compared the quality of service from providers across the state.
cheapest renters insurance in rhode island
That’s considerably cheaper than the state average rate of $18 per month or $221 per year. Average prices in Rhode Island are 3% higher than typical prices nationwide.
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travelers has the most expensive renters insurance rates in the state, averaging $39 per month. that’s six times more expensive than the cheapest option and emphasizes the importance of looking at multiple companies.
best renters insurance for most people: lemonade
lemonade is the best renters insurance in rhode island. On average, lemonade prices are the cheapest in the state at $6 per month, or $78 per year. this makes lemonade 65% cheaper than the typical cost of coverage in rhode island. Plus, Lemonade offers a variety of discounts that could save you even more money.
The company also boasts fast, well-qualified service and claims. ranked first among widely available insurers in the j.d. it powers the annual claims satisfaction survey and has a nice online interface that allows you to quickly file a claim or purchase a policy. one drawback is that lemonade doesn’t have offices, you won’t be able to work with an agent in person.
Standard lemonade policies come with personal property protection and liability coverage if you are sued. But Lemonade doesn’t have as many useful extras or sponsorships as some of the major competitors. The company offers replacement cost and equipment breakdown coverage, but not water backup protection or identity theft protection.
Best Full Coverage Renters Insurance – Nationwide
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nationwide has the best coverage options for renters who want to increase the protection their policy offers. the insurer gives you the ability to add a wider range of coverage types and still has comparatively affordable rates.
The average rate for a national policy in Rhode Island is $191 per year. That’s $30 a year cheaper than the state average and considerably cheaper than Travelers, another company with a wide range of coverage options.
national gives you the opportunity to get flood coverage and water backup coverage, which could be valuable in a coastal state like rhode island, plus a few other options.
identity theft protection replacement cost coverage valuables coverage extended liability coverage earthquake coverage
Nationwide’s customer service has mixed reviews. The company receives few complaints according to the National Association of Insurance Commissioners (NAIC), indicating that its clients are satisfied with its service. however, he received a below average score on the j.d. boost the customer satisfaction ranking.
best renters insurance for customer service: amica
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amica offers the best customer service for rhode island renters. That matters when you need to make a claim, because good service can make your life easier and things in your home back to normal faster.
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amica receives an extremely low rate of customer complaints: 12% of what is expected for an average company of amica’s size, according to the naic. the company also has a strong overall rating from the editors of valuepenguin.
The company’s rates, $13 per month, are 29% cheaper than the state average. The biggest drawback for the company is that you won’t be able to work with an agent in person. customers also cannot get backup water coverage, equipment breakdown protection, or earthquake coverage.
rhode island renters insurance rates: city by city
south kingstown had the highest rates in the state. Providence, the largest city in the state, has an average rate of $228 per year, 14% higher than average.
customer service: the best companies in rhode island
Both companies have a low naic complaint rate and have high value penguin publisher ratings. usaa also has the highest score in j.d. power’s annual customer satisfaction survey for renters insurance, but the company only offers policies to the military, some military family members, and veterans.
We judged the best renters insurance in Rhode Island by how each provider measured in three areas:
We collected over 100 quotes from across Rhode Island to find the cheapest renters insurance in the state. rates reflect coverage levels of $30,000 for personal property protection, $100,000 for liability coverage and $1,000 for third party medical payments. additionally, the rates we found were for a 25 year old single male renter with no history of insurance claims.
To determine which of the Rhode Island renters insurance companies has the best reputation for customer service, we looked at three metrics: