Gavop shows you how to buy homeowners insurance in Richmond, RI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Richmond, RI - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Wilbur Hill Rd, Dawn Ln, New London Tpke, Springbrook Rd, K G Ranch Rd, Hillsdale Rd, Deerfield Dr, Heaton Orchard Rd, Okeefe Dr, Tefft Hill Rd | $305,500 | $280,000 | $350,000-$400,000 | $393,500 | $350,000 | $400,000-$500,000 |
| Hoxsie Rd, Crestmont Dr, Lewiston Ave, Oakland Rd, Carolina Nooseneck Rd, White Oak Dr, Wood Rd, Old Usquepaugh Rd, Shannock Hill Rd, Old Kenyon Rd | $368,000 | $310,000 | $300,000-$350,000 | $494,500 | $400,000 | $500,000-$600,000 |
| Bracken Hill Ct, James Trl, Coulter Dr, Grey Stoke Ln, Beaver River Rd, Dawley Park Rd, Bobwhite Ter, Kings Factory Rd, Canob Ln, Arcadia Rd | $241,500 | $210,000 | $200,000-$250,000 | $290,000 | $260,000 | $250,000-$300,000 |
| Oshay Ln, Old Mountain Trl, Theroux Dr, Loop St, Bucknam Rd, Dover Ln, Morning Rd, Small Pox Trl, Lancelot Ct, Thompson Trl | $338,000 | $310,000 | $350,000-$400,000 | $471,000 | $390,000 | $500,000-$600,000 |
| Clearview Dr, Whispering Pines Rd, Clarke Trl, Acorn Trl, Meadowbrook Rd, Buttonwoods Rd, Brodin Dr, Summit Rd, Meunier Dr, Beverly Ln | $373,500 | $340,000 | $400,000-$500,000 | $355,000 | $290,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$187 | $796 |
| Superior Protection Discount | -$88 | $895 |
| Fire & Security Discount | -$88 | $895 |
| Hail Resistant Roof Discount | -$20 | $964 |
| Newly Constructed Home Discount | -$226 | $757 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,854 |
| Physical Damage | $2,537 |
| Hail Damage | $4,948 |
| Wind Damage | $6,178 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $17,222 |
| Home Insurance Company Richmond, RI | Homeowners Insurance Agency Richmond, RI | Address | Popularity Score | Distance from Richmond (miles) |
|---|---|---|---|---|
| Nationwide | The Lawrence Agency Inc | 872 Smithfield Ave, Lincoln, RI, 2865 | 29.9 | |
| Allstate | Robert Bolton | 1845 Post Rd Ste B, Warwick, RI, 2886 | 20.3 | |
| Allstate | Simone Fargiorgio | 711 Quaker Ln, West Warwick, RI, 2893 | 15.2 | |
| Liberty Mutual Independent | Affiliated Insurance Managers | 935 Jefferson Blvd Suite 2001, Warwick, RI, 2886 | 19.5 | |
| Liberty Mutual Independent | Affiliated Insurance Managers | 935 Jefferson Blvd 935 Jefferson Blvd, Warwick, RI, 2886 | 19.4 | |
| Nationwide | Roy L Souza | 999 West Main Rd, Middletown, RI, 02842-6384 | 19.5 | |
| Travelers | Rose & Kiernan | 138 Main St, Wakefield, RI, 2879 | 9.9 | |
| Allstate | George Martlandiii | 190 E Main Rd, Middletown, RI, 2842 | 19.5 | |
| Liberty Mutual Independent | A N Nunes Agency Inc | 549 Hope St, Bristol, RI, 2809 | 23.7 | |
| Liberty Mutual Independent | The Slocum Agency Inc | 1229 Greenwich Ave, Warwick, RI, 2886 | 18.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Rhode Island | $242,200 | $1,321 | $950 | $1,860 | $910 |
| Washington County, RI | $320,600 | $1,435 | $960 | $1,980 | $1,020 |
| Richmond, RI | $259,400 | $983 | $680 | $1,410 | $730 |
| Stonington, CT | $315,800 | $978 | $670 | $1,350 | $680 |
| Johnston, RI | $211,800 | $860 | $620 | $1,220 | $600 |
| Colchester, CT | $254,000 | $860 | $610 | $1,190 | $580 |
| North Grosvenor Dale, CT | $182,400 | $993 | $690 | $1,370 | $680 |
| Dartmouth, MA | $329,900 | $1,229 | $850 | $1,740 | $890 |
| Old Saybrook Center, CT | $476,300 | $1,971 | $1,420 | $2,780 | $1,360 |
| Taunton, MA | $246,500 | $989 | $720 | $1,360 | $640 |
| Gosnold, MA | $583,300 | $2,401 | $1,630 | $3,310 | $1,680 |
| Fairhaven, MA | $270,800 | $803 | $550 | $1,150 | $600 |