Home Insurance in Rhode Island

In the Ocean State, your home faces everything from coastal winds to heavy snow and salt air. At F&T Insurance Agency, we help homeowners across Rhode Island—from Providence to Portsmouth—find Rhode Island home insurance that actually fits their lives, their homes, and their risks. We're here with real answers, real coverage, and real people who care.

An elderly woman wearing a straw hat is standing in a greenhouse.

Tailored for Ocean State Living

Home Insurance That Works for RI Homes

From historic homes in Bristol to new builds in Warwick, every Rhode Island home needs personalized protection. We guide you through homeowners insurance RI options and help you compare home insurance quotes Rhode Island residents can trust—always with one-on-one support.

Storm Damage

Rhode Island homes face coastal weather, wind, and heavy rain. Our homeowners insurance RI coverage is designed to respond when nature hits hard.

Fire & Theft

We provide reliable protection for your home and belongings against fire, break-ins, and other common property risks in urban and suburban communities.

Liability Protection

If someone is hurt on your property—from a slip on icy steps to a guest injury—our home insurance protects your financial peace of mind.

Looking up at a tree with lots of branches and leaves.
A family is walking through a field holding hands.

Questions We Hear in RI

  • What does a standard Rhode Island home insurance policy cover?

    Typically, it includes coverage for your home’s structure, personal property, liability, and temporary housing during repairs.

  • Do I need insurance if my home is paid off?

    Yes. Even without a mortgage, insurance protects your financial investment and personal assets.

  • Is flood insurance included?

    No. Standard homeowners policies don’t cover flooding. We help you assess the need and add it if necessary—especially near Narragansett Bay or Pawtuxet River areas.

  • Can I save by bundling my home and auto insurance?

    Yes. We help clients bundle policies for potential savings and streamlined service.

  • How can I get affordable home insurance in Rhode Island?

    We work with top carriers to compare rates and find home insurance quotes Rhode Island homeowners can count on—for value and protection.

Local Service, Real People

Let’s Protect Your Rhode Island Home

At F&T Insurance Agency, you’re not dialing into a call center—you’re working with local advisors who understand your neighborhood, your home, and your goals. We’ll walk with you through every quote, every question, and every claim.

A woman is walking down the street holding a cup of coffee.