Homeowner Insurance Costs in Providence County, RI

How much does homeowner insurance cost in Providence County? Here's what to expect.

Est. Annual Premium

$1,708

Monthly Cost

$142

Median Home Value

$310,500

% of Income

2.4%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$310,500
Personal Property (C)$155,250
Liability (E)$300,000
Deductible$3,105

Cost Context

Homeownership Rate55.8%
Median Income$72,579
Property Tax Rate1.5%
Population657,984

About Insurance in Providence County

Homeowner insurance in Providence County, Rhode Island costs an estimated $1,708 per year for a median-value home of $310,500. This represents approximately 2.4% of the median household income of $72,579.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

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Other Counties in Rhode Island

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.