How Can I Make My Providence, RI Home Insurance Cheaper
Gavop shows you how to buy homeowners insurance in Providence, RI by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
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Estimate Appropriate Providence, RI Home Insurance Coverage Levels | Back to Top
| Providence, RI - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Devon St, Alfred Stone Rd, Sackett St, Sayles St, Hilary Dr, Fairview St, Sinclair Ave, Eureka St, Western St, Victor St | $167,500 | $160,000 | $125,000-$150,000 | $226,500 | $190,000 | $200,000-$250,000 |
| Jacqueline Dr, S Water St, Stone St, Gay St, Dedham Ave, Vandewater St, Virginia Ln, Jefferson St, Wesleyan Ave, Virginia Ln | $122,000 | $110,000 | $125,000-$150,000 | $159,500 | $130,000 | $175,000-$200,000 |
| Etna St, Taber Ave, Weeden St, Wiley St, Greenwood St, Harborside Blvd, Maxons Ln, Minto St, Killingly St, Wiley St | $155,000 | $140,000 | $100,000-$125,000 | $261,500 | $220,000 | $300,000-$350,000 |
| Hendrick St, Aurelia Dr, Niantic Ave, William Ellery Pl, Hillard St, Ventura St, Crout St, Wheeler Ave, Bryant St, Danforth St | $122,500 | $110,000 | $125,000-$150,000 | $224,500 | $200,000 | $250,000-$300,000 |
| Overhill Rd, Fields Point Dr, Gray St, Early St, Silver Lake Ave, Seabury St, Jillson St, Sunrise Dr, Tobey St, Vinton St | $176,500 | $150,000 | $175,000-$200,000 | $201,000 | $190,000 | $200,000-$250,000 |
| Huron St, Cole Farm Ct, Harmony Dr, Huntington Ave, Canal St, Drew St, Famigletti Dr, Grape St, Oldham St, Veto St | $167,500 | $140,000 | $150,000-$175,000 | $160,500 | $150,000 | $125,000-$150,000 |
| Dorrance St, Curtis St, Michigan Ave, Pemberton St, Young Ave, Batcheller Ave, McMillen St, W Clifford St, Kossuth St, Lenox Ave | $180,500 | $160,000 | $200,000-$250,000 | $255,500 | $220,000 | $200,000-$250,000 |
| Tell St, Printery St, Dixon St, Cumerford St, Gay St, Crary St, Conanicut St, Crown St, Arbor Dr, Pembroke Ave | $180,000 | $150,000 | $200,000-$250,000 | $258,500 | $240,000 | $200,000-$250,000 |
| Weiss Ct, Hollywood Rd, Canonchet St, Russo St, Dana St, Jastram St, Barbara St, Star St, Newport St, Ford St | $105,000 | $100,000 | $100,000-$125,000 | $120,000 | $110,000 | $125,000-$150,000 |
| Olneyville Sq, Gloucester St, Sibyl St, Moorefield St, Bogman St, Ruthven St, Mitchell St, Freeman Pkwy, Bonanza Way, Erastus St | $103,000 | $80,000 | $75,000-$100,000 | $175,000 | $140,000 | $175,000-$200,000 |
Estimate your Savings with Home Insurance Discounts in Providence, RI | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$182 | $831 |
| Superior Protection Discount | -$101 | $912 |
| Fire & Security Discount | -$81 | $933 |
| Hail Resistant Roof Discount | -$20 | $993 |
| Newly Constructed Home Discount | -$264 | $750 |
Choose the Right Deductible for your Providence, RI Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Providence County | $2,500 | $1,120 | $3,620 | $814 | $3,314 | $306 |
| Providence, RI | $2,000 | $1,002 | $3,002 | $728 | $2,728 | $274 |
| Dighton, MA | $300 | $914 | $1,214 | $664 | $964 | $250 |
| Fall River, MA | $1,500 | $972 | $2,472 | $707 | $2,207 | $266 |
| Northbridge, MA | $300 | $837 | $1,137 | $608 | $908 | $229 |
| Stoughton, MA | $1,000 | $912 | $1,912 | $663 | $1,663 | $249 |
| Hope Valley, RI | $100 | $1,272 | $1,372 | $924 | $1,024 | $347 |
| Webster, MA | $1,500 | $812 | $2,312 | $590 | $2,090 | $222 |
| Rochester, MA | $500 | $965 | $1,465 | $702 | $1,202 | $264 |
| Dedham, MA | $1,000 | $969 | $1,969 | $704 | $1,704 | $265 |
| Southbridge Town, MA | $400 | $768 | $1,168 | $558 | $958 | $210 |
| Middlesex County, MA | $2,500 | $1,295 | $3,795 | $941 | $3,441 | $354 |
Identify Top Home Insurance Agents near Providence, RI | Back to Top
| Home Insurance Company Providence, RI | Homeowners Insurance Agency Providence, RI | Address | Popularity Score | Distance from Providence (miles) |
|---|---|---|---|---|
| Allstate | Natalia Furtado | 959 Mineral Spring Ave # 1a, North Providence, RI, 2904 | 3.2 | |
| Allstate | Cesar Loaiza | 187 Douglas Ave, Providence, RI, 2908 | 1.0 | |
| Allstate | Sahonny N Nunez | 791 Broad St, Central Falls, RI, 2863 | 4.9 | |
| Allstate | The Balise Agency | 1400 Post Rd, Warwick, RI, 2888 | 5.6 | |
| Liberty Mutual Independent | Burns & Cotter | 206 Waterman St, Providence, RI, 2906 | 1.5 | |
| Allstate | Kevin Cloutier | 1553 Plainfield Pike, Johnston, RI, 2919 | 4.3 | |
| Allstate | Gary Dusablon | 1396 Mendon Rd, Cumberland, RI, 2864 | 7.8 | |
| Allstate | Sugeidy Mendez | 58 Greenville Ave, Johnston, RI, 2919 | 2.9 | |
| Nationwide | Vincent S Podmaska | 1465 Atwood Ave, Johnston, RI, 02919-7701 | 4.1 | |
| Liberty Mutual Independent | Butler & Messier Inc | 1401 Newport Ave, Pawtucket, RI, 2861 | 5.8 |
Compare Rates for Providence, RI Home Insurance Providers | Back to Top
| 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 | $900 | $1,880 | $980 |
| Providence County, RI | $214,400 | $1,134 | $830 | $1,610 | $780 |
| Providence, RI | $181,100 | $1,014 | $730 | $1,390 | $660 |
| Dighton, MA | $324,400 | $925 | $620 | $1,280 | $660 |
| Fall River, MA | $231,300 | $984 | $710 | $1,350 | $640 |
| Northbridge, MA | $291,600 | $847 | $580 | $1,190 | $610 |
| Stoughton, MA | $323,500 | $923 | $660 | $1,320 | $660 |
| Hope Valley, RI | $232,800 | $1,287 | $940 | $1,760 | $820 |
| Webster, MA | $211,800 | $822 | $600 | $1,130 | $530 |
| Rochester, MA | $386,300 | $977 | $710 | $1,360 | $650 |
| Dedham, MA | $416,500 | $980 | $680 | $1,380 | $700 |
| Southbridge Town, MA | $188,200 | $777 | $540 | $1,100 | $560 |
| Middlesex County, MA | $453,300 | $1,311 | $880 | $1,800 | $920 |
Research Home Insurance Companies Reviews in Providence, RI Before Buying | Back to Top
Share a review on your home insurance company
Allstate Home Insurance Reviews
Date: April 05, 2019 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Policy Offerings
Overall I feel good about my coverage. I have to have the flood and hurricane and feel they are a fair price
Date: December 30, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Customer Service
I would rate Allstate insurance a 5. My family is extremely satisfied with Allstate because they are always upfront, timely and considerate.
Date: December 09, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I have had occasion to contact customer service, and was prepared to be confronted with a great deal of difficulty in getting my query addressed. Much to my surprise the CSR I encountered proved very efficient, conscientious and caring in resolving and answering my query. Due to that I would easily rate 5 for the exceptional service I received.
Date: October 15, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Website/App
I don't use the app, but the website is easily accessible and easy to navigate. I'm able to get info, pay my bill and make changes.
Date: October 02, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Policy Offerings
well, it's a condo policy and covers water damage sewer backup structural damage medical care if someone slips or falls in my condo temporary housing if needed.
Date: September 04, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Communication
again very satisfied I've been with them for about 13 years premiums are fair advice is good so I can not complain
Date: September 03, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Website/App
well, I like it because it is user-friendly. I can find info find my agent it is easy to navigate. it is easy to submit claims all the links are at the top of the Allstate homepage. you can find phone numbers and contact info easily.
Date: August 22, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
the office is two floors above my condo and I always see them they know me as well. so they always give me good advice when I need it
Date: May 07, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
my agent from Allstate has his office in the same building where I live so he knows my needs as a consumer and a customer so I've been paying 160 a year for full overage whereas other agents wanted to charge almost 600 a year for the same overage
State Farm Home Insurance Reviews
Date: September 16, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Premium
Average cost of other companies. Pretty easy to sign up but communication lacks badly when faxing paperwork to them
Date: January 01, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Customer Service
I really like the service and price for my insurance. I really like the customer service.
Date: September 23, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Website/App
I don't really use the insurance companies website, or mobile app very much, but I have seen where you can log in to view a PDF version of your policy, which I think can be very handy.
Date: September 20, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Customer Service
I dislike that the 1-800 number has bad service. I always prefer to talk to my local office. It is hard to talk to the local office after I get off work because they are closed. Sometimes I can't always call during the day.
Date: August 01, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Premium
I think I pay a little more for what I receive in coverage than the average person; however, we are on a barrier island that can easily be affected by hurricanes. I believe my neighbors pay about the same or more than I do.
Date: July 28, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
My homeowner's policy covers me for medical payments if someone gets hurt on my property, and if my home needs to be repaired from a hurricane I can be compensated additional living expenses during that time.
Date: May 10, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Communication
I like that my insurance companies mail me letters when things are changing. I do feel like they look out for me. Usually, after I call the 1-800 number, I like that my local office follows up with me the next day.
Westfield Insurance Home Insurance Reviews
Date: September 24, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Customer Service
The customer service is awesome. If I ever need anything I just go to the office which is like a 2 min. walk for me. They great me by name.
Date: August 17, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
My premium is good and it hardly changes. It has been stable and is in my escrow which makes it nice. I don't have to worry about it.
Date: August 11, 2018 Age: Above 60 Gender: Male Marital Status: Married
Website/App
To be honest I have never used my companies website I live like 2 minutes from the office and I have automatic payments. So I have no reason to go to the website.
Date: May 03, 2018 Age: 50 to 59 Gender: Female Marital Status: Married
Communication
It is awesome. They communicate with me by mouth. Sometimes I get a letter. Most of the time I just go to the office when I need to talk to them.
Date: May 03, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Policy Offerings
It covers everything, and covers outside stuff such as outbuildings. It also covers the contents
GEICO Home Insurance Reviews
Date: November 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Our home insurance company has been great. We has some sling a rock into our glass sledding door when mowing. We contacted them and they came out to look at it. They documented it and we where able to fix it within a week.
Farmer's Insurance Home Insurance Reviews
Date: February 07, 2019 Age: 20 to 29 Gender: Female Marital Status: Married
Customer Service
customer service is great, service reps are always very attentive to what you have to say and always try to find a solution to whatever issue your having no matter what.