With Farmers® home insurance, you could build a policy that reflects how you live and what matters most to you.

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Home Insurance Coverage Options in Rhode Island

Farmers builds value into every home policy with:

  • Declining Deductibles® — Earn $50 toward your deductible each year.
  • Claims Free Discount® — Receive a discount if you’ve been claim-free for three years.
  • Claim Forgiveness — Your premium won’t increase due to a claim if you’ve been claim-free with Farmers for five years.
  • Cosmetic Damage Coverage — File a claim for functional damage, and we’ll cover related cosmetic damage as well.

Typical homeowners insurance policies in Rhode Island cover damage caused by:

  • Windstorms
  • Hail 
  • Lightning strikes 
  • Fire 
  • Vandalism and theft 
  • Explosion 
  • Falling objects 
  • Damage caused by weight of snow or ice

Rhode Island homeowners insurance discounts

Farmers® builds value into every policy — but you may be eligible for even more savings.

We offer a variety of discounts for our home insurance customers based in Rhode Island. For example:

Protective devices

See a list of potential home insurance discounts. Not all discounts available in Rhode Island.

Smart home security that saves

Farmers is working with ADT Security Services to bring you the best of both businesses – ADT industry-leading smart home security, and outstanding coverage with a Farmers home policy. Farmers customers and prospective customers receive special ADT pricing.

View more coverage options in Rhode Island


Auto insurance

Find out minimum state requirements for auto insurance in Rhode Island, available discounts and more.

View car insurance details and discounts for Rhode Island

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