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Newport County, RI Homeowners Insurance Quotes
Newport County (RI) homeowners are now averaging around $149.00 per month for homeowners insurance coverage. For Rhode Island, this amounts to $1788 per year for a standard (HO-3) home insurance policy. When you compare the national average, rates are around 1,249 per year. Rhode Island is now ranked #5 in the country for the highest paid home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Newport County, RI so you can save up to fourty percent or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. You can easily compare rates by giving us a call now or enter your zip code to start our hassle free online quoting application. With some basic information about your home, we can help you review which carrier has the best rate and which policy per insurance provider has the best coverage. There is a big difference when it comes to protecting your home when you need it the most. Financial protection for repairs or rebuilding your home is crucial and so a cheaper rate may not always be the best decision when you need to count on an insurance provider to help you coverage financial loss due to a wind storm, hail, hurricanes or even flooding. Although, flooding is not covered under a basic policy, we can help you enhance your coverage to help add that extra protection. Let us help you shop your new home insurance policy today!
For all Newport County, RI residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.
Are you looking for a homeowners insurance quote in Newport County? Simply enter your zip code to get your Rhode Island homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.
Newport County, RI Housing Demographics
With 82,888 residents living within the Newport County area there are over 41,796 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 21,076 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Newport County.
Demographic | Values |
---|---|
Total Occupied Households | 34,911 |
Family Households (families) | 21,076 |
Average Owner Occupied Household Size | 2 |
Average Family Size | 3 |
Total Housing Units | 41,796 |
Newport County, RI Coastal Wind, Hail & Flood Information
For all homeowners living in Newport County (FIPS: 44005), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Rhode Island is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Newport County, RI, it's important that you look into hurricane and windstorm insurance options.
Newport County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Rhode Island.
Helpful Articles:
Newport County, RI Home Insurance Average Premiums
For the state of Rhode Island, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 5 in the nation for highest premiums in the U.S.
Average Rating | Annual Premium |
---|---|
Minimum Range: | $849 /yr. |
Current Average Cost: | $1,261 /yr. |
Maximum Range: | $1788 /yr. |
Newport County, RI Coastal Wind, Hail & Flood Information
Newport is 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 county of Newport is know for it's beautiful beaches and waterways. Because Newport County (FIPS: 44005) 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 Newport County.
Rhode Island Homeowners Insurance News & Information
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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 […]
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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 […]
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$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 […]
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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 […]
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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 […]
Discounts For Homeowners in Newport County
As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Rhode Island homeowners insurance.
- Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Newport County, this discount can save you up to 20% on your home insurance premium.
- Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Newport County that do combine their home and auto can save over $500 with this discount.
- Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Newport County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
- Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
- Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.
Newport County Housing & Real Estate Data
Details: | Statistics |
---|---|
Total Housing Units | 41796 |
Occupied Housing Units | 34911 |
Vacant Housing Units | 6885 |
Vacant Housing Units for Rent | 1409 |
Vacant Housing Units Rented Not Occupied | 109 |
Vacant Housing Units For Sale | 475 |
Vacant Housing Units Sold Not Occupied | 97 |
Vacant Housing Units For Seasonal Occasional Use | 4164 |
Vacant Housing Units All Other Vacants | 631 |
Housing Units Homeowner Vacancy Rate Percent | 2 |
Housing Units Rental Vacancy Rate Percent | 10 |
Housing Tenure Occupied Units | 34911 |
Housing Tenure Occupied Units Owner Occupied | 22024 |
Housing Tenure Occupied Units Owner Occupied Population | 52522 |
Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2 |
Housing Tenure Occupied Units Renter Occupied | 12887 |
Housing Tenure Occupied Units Renter Occupied Population | 26790 |
Housing Tenure Occupied Units Renter Occupied Average Household Size | 2 |