Home Insurance in Rhode Island

Home insurance is a package policy that protects your home, its contents, and your loved ones in the event of a disaster. If it’s your first time buying a home in Rhode Island, Kingston Insurance Agency LLC recommends familiarizing yourself with home insurance, especially if you are buying your house on a mortgage. Still new to home insurance? Read on to learn more about the policy.

What does home insurance cover?

Your home is more than just a resting place for the night. It can be your most valuable asset and the perfect place for creating memories with your family. For this reason, you may not be able to afford to replace it if something bad (like a fire) brought it down. That’s why you need home insurance to cover what matters to you. Some of the primary home insurance coverages include:

  • The dwelling
  • Personal belongings
  • Other structures
  • Property damage liability
  • Bodily injury liability
  • Additional living expenses

How much home insurance do I need?

All homeowners’ insurance in South Kingstown, RI is priced differently. Your home insurance company will ask you questions about yourself, your family, and your home. You need to provide accurate information to get the most out of your policy. Factors such as the size of your home, where it is located, who lives with you, and the age of the house play a significant role in determining your home insurance rates. You also need to assess your risk factors to know which coverages are essential to you.

When should I file an insurance claim?

Like any other policy in Rhode Island, you need to file a home insurance claim with your insurance company immediately when an accident happens. If it is a criminal activity like burglary, call the police first and get a police report. Your insurance company will rely on this report when compensating you.

Looking to buy home insurance in South Kingstown, RI? Our dedicated team of professionals would like to help you find a policy that matches your needs. Feel free to call and book an appointment with us.