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2025

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Best Renters Insurance Companies in Rhode Island

Our Recommended Top 12

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Rhode Island renters insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

397Reviewed

243Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Renters Insurance Companies Serving Rhode Island
Smithfield

Expertise.com Rating

Why choose this provider?

Duxbury & Ray Insurance Agency, Inc., is an independent agency that serves individuals across Rhode Island. It carries insurance products from multiple carriers. Its product offerings include renter's insurance. It guides clients in determining the type and level of coverage they need. It also offers optional coverage such as guaranteed replacement costs, flood insurance, and umbrella coverage. Other coverage options include personal injury, loss of use, and refrigerated products. The agency has been serving clients for more than 70 years.

Best Renters Insurance Companies Serving Rhode Island
Providence

Expertise.com Rating

Why choose this provider?

Auto-Cycle Insurance, Inc., has been serving clients across Rhode Island for over 30 years. It offers a comprehensive portfolio of products, including renter's insurance plans. It helps its clients in finding the best coverage that suits their needs, preference, and budget. As an independent insurance agency, it represents various carriers to provide a wider selection of policies. In addition, it offers auto, water vehicle, and recreational vehicle insurance plans. The agency also serves clients throughout Connecticut.

Best Renters Insurance Companies Serving Rhode Island
North Providence

Expertise.com Rating

Why choose this provider?

A.E. Mazika Insurance Services, Inc., offers insurance products to clients across Rhode Island. Its vast selection of product offerings includes renter's insurance plans.These provide coverage against burglary and damage caused by fires. It also covers loss of income, personal liability, and damage to personal belongings. The agency works with clients in determining the level of coverage suited for their needs. Serving clients since 1975, the independent agency has worked with multiple insurance companies to compare coverage options and get the best deals for its clients.

Best Renters Insurance Companies Serving Rhode Island
Johnston

Expertise.com Rating

Why choose this provider?

Graham Insurance, Inc., is an independent agency that serves clients in Rhode Island. Backed by more than 200 years of collective experience, its team of agents provides various products, including renter's insurance. They guide clients in protecting their possessions, from electronics, furniture, and appliances to jewelry and clothing. They also offer personal property, family liability, guest, and temporary housing coverage. Graham Insurance has six locations across the state and also serves clients in Connecticut and Massachusetts.

Best Renters Insurance Companies Serving Rhode Island
Cranston

Expertise.com Rating

Review Sources

Google
4.9 (64)
Yelp
5.0 (3)

Why choose this provider?

Gaulin Insurance offers a comprehensive range of the best insurance products to Rhode Island clients. It offers home insurance plans, including renter's, homeowner's, condo, and scheduled property insurance. Its team works with clients in developing a plan tailored to their coverage needs, budget, and possession value. This family-owned and family-operated agency works with clients on a one-on-one basis and represents multiple carriers in the market. Chris Gaulin, the firm's owner, holds CLCS and LUTCF designations.

Best Renters Insurance Companies Serving Rhode Island
North Providence

Expertise.com Rating

Review Sources

Facebook
5.0 (92)
Yelp
1.5 (2)

Why choose this provider?

Zelano Insurance Agency has been providing solutions for individuals and businesses throughout Rhode Island for more than 55 years. This family-owned and family-operated business carries a variety of insurance products, including renter's insurance plans. It provides coverage options that can be customized, assisting clients in finding the policy that fits their needs and budget. The agency has four branches located across the state, making it the largest nationwide agency in the Rhode Island area.

Best Renters Insurance Companies Serving Rhode Island
Cranston

Expertise.com Rating

Why choose this provider?

A. Ricciotti Insurance Associates, LLC, provides a comprehensive portfolio of insurance products. Serving individuals and businesses across Rhode Island, it offers a wide range of insurance plans. It carries renter's insurance policies for people looking to protect their belongings and assists them in adding an extra layer of protection against liabilities. The agency represents multiple major insurance carriers. Antonella Ricciotti founded the company in 2009 to create commercial insurance plans for businesses in the metals and hospitality fields. It later expanded to include personal insurance products.

Best Renters Insurance Companies Serving Rhode Island
Warwick

Expertise.com Rating

Review Sources

Google
4.8 (5)
Yelp
1.0 (1)

Why choose this provider?

Founded in 1952, Gallo|Thomas Insurance is an agency that caters to individuals and businesses in Rhode Island. It partners with carriers such as Liberty Mutual, Nationwide, and Hanover Insurance to obtain the best policies that meet its clients' needs. It offers renters' insurance products that cover customers' personal belongings, liability, and additional living expenses in case of unexpected events like fire or theft. The company also provides life, yacht, commercial property, workers' compensation, and cyber liability insurance.

Best Renters Insurance Companies Serving Rhode Island
Cranston

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Caldarone Agency is a local insurance company that serves clients throughout Rhode Island. The independent insurance agency offers a selection of insurance plans, including renter's policies. It assists clients in securing their personal belongings in their leased properties. Its team of insurance specialists guides clients in determining the amount of coverage that suits their budgets and needs. The agency has been helping clients with their insurance needs since 1974. Caldarone Agency also serves Connecticut and Massachusetts.

Best Renters Insurance Companies Serving Rhode Island
Cranston

Expertise.com Rating

Review Sources

Google
4.4 (7)

Why choose this provider?

Cormack-Routhier Agency, Inc., ranks among the best family-owned insurance agencies serving Rhode Island clients. It offers a wide array of personal insurance products, such as renter's insurance policies for renters of dorm rooms, condo units, apartments, and houses. It guides clients in selecting the level of coverage they need and offers additional insurance options, such as liability and loss of use coverage. The agency is also licensed in Connecticut, New Hampshire, New York, New Jersey, and Massachusetts.

Best Renters Insurance Companies Serving Rhode Island
Warwick

Expertise.com Rating

Why choose this provider?

Broadfield Group is an insurance company that caters to individuals throughout Rhode Island. It offers a range of products, including renter's insurance plans that help clients financially protect their personal belongings. It also provides personal property, family liability, guest medical protection, additional living expenses, and temporary housing coverages. By representing multiple insurance carriers, it can assist policy buyers in finding the best option tailored to their needs and budget. Broadfield Group is a member of various organizations, including the International Risk Management Institute.

Best Renters Insurance Companies Serving Rhode Island
Warwick

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
4.5 (2)

Why choose this provider?

401 Insurance provides services to clients in Rhode Island. The business offers renter's insurance products that help individuals protect their personal belongings, loved ones, finances, and apartments from damages caused by natural disasters, theft, and fire. In addition to renter's insurance, it offers homeowners' and condo insurance solutions. This company also serves clients wanting to apply for worker's compensation, commercial general liability, and property insurance policies to secure the future of their businesses and employees.

Compare our Top Renters Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Duxbury & Ray Insurance Agency, Inc
292 Waterman Avenue, Smithfield, RI 2917
Auto-Cycle Insurance Inc
400 Broadway, Providence, RI 2909
A.E. Mazika Insurance Services, Inc.
1529 Mineral Spring Avenue, North Providence, RI 2904
Graham Insurance, Inc.
1465 Atwood Avenue, Johnston, RI 2919
Gaulin Insurance
1 Rolfe Square, Cranston, RI 2910
Zelano Insurance Agency
1598 Smith Street, North Providence, RI 2911
A. Ricciotti Insurance Association, LLC
100 Midway Road, Suite 20, Cranston, RI 2920
Gallo|Thomas Insurance
125 Metro Center Boulevard, Suite 3001, Warwick, RI 2886
Caldarone Agency
75 Sockanosset Cross Rd Ste 202, Cranston, RI 2920
Cormack-Routhier Agency, Inc.
1 Harry Street, Cranston, RI 2907
Broadfield Group
68 Main St., Warwick, RI 10990
401 Insurance
1274 West Shore Rd, Warwick, RI 2889

Rhode Island Renters Insurance FAQs

  • What are the three common reasons for renters’ insurance claims in Rhode Island?

    Rhode Island residents submit renters' insurance claims in response to property-related offenses such as theft, burglary, and vandalism. Claims are also lodged in the aftermath of severe weather conditions like hurricanes, thunderstorms, and snowstorms. Renters typically initiate personal liability claims in instances where guests sustain injuries within the confines of their rented dwellings.

  • What factors should residents of Rhode Island consider when buying renters' insurance?

    When shopping for renters' insurance, Rhode Island residents should consider whether the coverage limits adequately cover the replacement cost of their lost or damaged personal belongings. Opting for lower coverage limits can result in reduced monthly premiums. It is also crucial to factor in the deductible, as a higher deductible has the potential to lower a renter's premium.

  • How much do tenants pay for their renters’ insurance per month in Rhode Island?

    In Rhode Island, the typical monthly expense for renters' insurance stands at $18, which is 3% higher than the nationwide average. Lemonade provides the most budget-friendly option at $7 per month, while Travelers presents the highest monthly premium at $39. The cost is six times higher than the most affordable alternative, underscoring the importance of getting quotes from various insurance providers.

  • What exclusions are specified in Rhode Island renters’ insurance coverage?

    Typically, standard renters' insurance policies in Rhode Island do not provide coverage for damage resulting from an earthquake. Additionally, damages to properties belonging to others caused by a renter's roommate are not covered. High-value items such as computers and jewelry are also excluded from the scope of renters' insurance coverage.

  • What is the maximum coverage limit on certain personal items in renters' insurance in Rhode Island?

    In Rhode Island, renters' insurance policies usually set a coverage cap of approximately $5,000 for jewelry, which falls short of protecting valuable items such as engagement or wedding rings. The coverage limit for bicycles can be as minimal as $1,500, which is insufficient for replacing high-value racing or mountain bikes. It is important to note that e-bikes may not be eligible for coverage under renters' insurance policies.

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