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Homeowners Insurance coverage in 02818

If you are a homeowner in 02818 or East Greenwich, RI you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in East Greenwich.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 02818.

Learn more about our homeowners insurance shopping service by selecting the best East Greenwich, RI Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 02818?

Residents of East Greenwich have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in Rhode Island? While Rhode Island is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, Rhode Island comes in at 5 in the country for homeowners insurance premiums.

If you are living in 02818 zipcode, expect to pay around $1392 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in East Greenwich does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

02818 Home Insurance Average Premiums

Local 02818 homeowners insurance quotes comparison

$1142 /yr.

Shows Zip Code: 02818 lowest rates with discounts applied on average.

For the 02818, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1142 /yr.
Average Coverage:$1392 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1692 /yr.

What is the average home insurance cost for a home in 02818?

  • • The average homeowners insurance premium paid annually for a home in 02818 is around $1392 per year.

What does it cost on average per month for home insurance in 02818?

  • • Homeowners in 02818 pay a monthly average cost per month around $116.00.

What kind of discount could I get if I combine my home and auto insurance together in 02818?

  • • Autoowners in 02818 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the East Greenwich area, check out other zip codes nearby 02818.
Review average rates in another zip code:
02818 homeowners insurance rates

Home Replacement Cost Coverage in 02818

Average Building Cost Per Square Foot in 02818: $210

Location: East Greenwich, Rhode Island (Kent County)

Average Square Footage in 02818: 2,063 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 02818 before you start any project. East Greenwich homeowners pay on average around $210 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 02818 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 02818 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,063 sq. ft. and the average cost to rebuild the home in this area is around $210 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the East Greenwich area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2102,063$433,200
Additional Upgrades & Added Features$2632,063$541,500
Major Home Updates or Advancements$3152,063$649,800

It's important to understand that when you estimate your replacement cost of your home in the 02818 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 02818

Howard Russell Inc

Address: 700 Main St East Greenwich, RI 02818
Phone: (401)884-1090
Website: howardrussellinsurance.com

R I Insurance Group

Address: 700 Main Street East Greenwich, RI 02818
Phone: (401)884-1090
Website:

Blackman Richard S Insurance

Address: 655 Main Street Suite 208 East Greenwich, RI 02818
Phone: (401)885-7110
Website: www.progressive.com

Allstate Insurance - Gerald De Giulio

Address: 178 Main St East Greenwich, RI 02818
Phone: (401)886-4777
Website:

Best Home & Auto Insurance Agencies in 02818

A W Bucci Associates Inc

Address: 1350 Division Rd Warwick, RI 02818
Phone:
Website:
Info:

Nichols Warren E Insurance Agency

Address: 5805 Post Rd East Greenwich, RI 02818
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 1050 Main St East Greenwich, RI 02818
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
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Allstate Insurance - Gerald De Giulio

Address: 178 Main St East Greenwich, RI 02818
Phone:
Website:
Info:

Howard Russell Inc

Address: 700 Main St East Greenwich, RI 02818
Phone:
Website: http://www.howardrussellinsurance.com
Info:

Housing Demographics for 02818

Population Review for 02818 Zip Code

For the city of East Greenwich, the population within 02818 has increased to over 20,289 residents in population size. The current population total is 19,907. We have broken down the population based on race below. In 02818, there are over 9744 in male population and 10163 females.

PopulationValues
Total Population19,907
White Population17298
Black Population246
Hispanic Population752
Asian Population1018
Hawaiian Population4
Indian Population23
Other Population194
Male Population9744
Female Population10163
Population Estimate20289

Household Data for 02818

The average number of homes in 02818 is around 8,176, there are an average of 2.37 per household. The average house value according to local real estate values is around $433,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,176
Persons Per Household2.37
Average House Value$433,200
Income Per Household$109796
Median Age45.6
Median Age Male43.9
Median Age Female47.3
02818 DetailsValues
StateRI
State Full NameRhode Island
City TypeP
City Alias AbbreviationE GREENWICH
Area Code401
CityEast Greenwich
City Alias NameEAST GREENWICH
CountyKent
County FIPS003
State FIPS44
Time Zone5
Day Light SavingY
MSA6480
PMSA
CSA148
CBSA39300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameProvidence-Warwick, RI-MA
MSA_NameProvidence-Fall River-Warwick, RI-MA MSA
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses721
Number Of Employees7845
Business First Quarter Payroll95718
Business Annual Payroll410066
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1600852
CBSA Division Population0
Congressional District02
Congressional LandArea765.32
Delivery Residential8561
Delivery Business830
Delivery Total10097
Preferred Last Line KeyV25867
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25867
Land Area21.227000
Water Area2.872000
City Alias Code
City Mixed CaseEast Greenwich
City Alias Mixed CaseEast Greenwich
Box Count310
SFDU6601
MFDU751
State ANSI44
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number432520
Unique ZIP Name
SSA State County Code41010
Medicare CBSA Code39300
Medicare CBSA NameProvidence-Warwick, RI-MA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseKent

Rhode Island Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]