Carolina, RI Homeowners Insurance Rate Quotes!

Did you know that Carolina homeowners are discovering how easy it is to get multiple rates online with GetHomeInsuranceQuotes.com? Our service provides a quoting application that quickly helps you enter the home details and information needed for us to generate up to 12 competitive home insurance rates. We understand that you don't have a lot of time to shop every insurance agency available that offers the best rates and coverages in Rhode Island. This is why our top-notch quoting services conveniently compare rates, coverages and discount options. We already know which home insurance companies are most competitive in your area and we are here to help you pick the best one based on price and coverage.

Since 2009, our RI agency strived to put the needs of the customer first allowing homeowners like yourself living in Carolina to quickly get the home insurance policy you need. Maybe you are shopping today because of unexpected rate increases in the Carolina area or maybe you are moving into a new home.

For fast home insurance rates for your home in Carolina, RI, please enter your zip code. The process only takes a few minutes to complete. Get home insurance quotes today or give us a call now at 1-855-976-2656!

Carolina, RI Market Data

Source	Value
Location:	Carolina, RI (WASHINGTON County)
Population:	2,994
Occupied Residents:	1,062
Average Real Estate Value Per Zip Code:	$323,400

Average Home Insurance Rates in Carolina

Below are some helpful resources about Carolina home insurance prices.

What do homeowners in Carolina pay for home insurance on average? As low as $1,136.00 up to $1,686.00 per year on average.
What can I expect to pay per month for home insurance in Carolina? About $116.00 per month
What do most homeowners pay on average? Currently, the national average is around $1,311.00 per year.

The average home insurance rates in Carolina, RI are based on state "averages" which only includes an HO-3 home insurance package policies for homes that are currently occupied. Our quoting service is offered online or over the phone, we can help you find cheaper rates by comparing companies, coverage options and discounts.

Learn More About Home Insurance in Your Area

If you are a homeowner and you are looking to update your policy because of price, company or coverage, it's important to learn more about home insurance so you can get the best policy for you.

Free Home Replacement Cost Value Calculator
What does a replacement cost coverage and actual cash value mean for my home?
This home insurance calculator will calculate your dwelling coverage for your home in Carolina, RI so you know what type of home insurance coverage you need to cover your replacement cost.
What are the homeowners insurance discounts available to homeowners living in Rhode Island?
Here are the top 3 home insurance credits available to homeowners.

Compare Homeowners Insurance Rates in Carolina, RI!

Get up to 12 competitive Carolina, RI homeowners insurance rates all in one place!

Average Rates Nearby Carolina

Are you looking for homeowners insurance in a city near Carolina? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Carolina, RI

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Carolina.

02812,

Carolina, RI Home Insurance Average Premiums

Local Carolina, RI home insurance quotes comparison

$1136 /yr.

Shows Carolina's lowest average rates with discounts applied.

For the city of Carolina, 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)	$1136 /yr.
Average Coverage:	$1386 /yr.
2600 sq. ft. or higher (all discounts applied)	$1686 /yr.

What is the average home insurance cost for a home in Carolina, RI?

• The average homeowners insurance premium paid annually for a home in Carolina is around $1386 per year.

What does it cost on average per month for home insurance in Carolina, RI?

• Homeowners in Carolina pay an average cost per month around $116.00 for insurance coverage.

Carolina, RI Coastal Wind, Hail & Flood Information

Carolina is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Flood Zone Notice: The beautiful coastal city of Carolina is know for it's beautiful beaches and waterways. Because Washington County (FIPS: 44009) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Carolina, RI.

Carolina, RI - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$0	$0

Homeowners insurance will help cover the cost to repair or replace your Carolina home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Carolina
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Carolina, RI homeowners insurance rates all in one place!

Saving Money Tips on Carolina Home Insurance

A great way to save money on Carolina homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Carolina area? Check out what homeowners are paying on average for Rhode Island homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
82 ft.	This is the average home elevation in Carolina, RI	» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Carolina, Rhode Island. A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home. Call Now for Flood Insurance Quotes: 888-620-1954! Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy. It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

Elevation

Details

Homeowners Tips

82 ft.

This is the average home elevation in Carolina, RI

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Carolina, Rhode Island.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Carolina, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Washington County.

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 […]
I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]

Carolina, RI Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Carolina so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Carolina, RI?

- The average square footage in Carolina is around 1,540 Sq. Ft. which would cost you around $323,400 to replace the home if you base the home on the price to build per square foot of $210.

Minimum Replacement Cost Total: $323,400

Location: Carolina, Rhode Island (Washington County)

Average Building Cost Per Square Foot in Carolina: $210 (low end)

Average Square Footage in Carolina: 1,540 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$210	$323,400
Some Additional Upgrades	$263	$404,250
Major Home Updates or Advancements	$315	$485,100

Calculate Your Carolina, RI Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($210) in Carolina, Rhode Island times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $656,250 (Media price to build of $263 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.