Renters insurance · Rumford, Rhode Island
Renters insurance in Rhode Island
Your landlord insures the building. Your belongings and your liability are not on that policy. A renters policy (HO-4) covers them, and Gilbane can write it alongside your auto policy.
What it covers
What renters insurance covers
A renters policy covers what the landlord's policy does not.
- Your contents. Furniture, clothing and electronics, including items away from home.
- Personal liability. If a guest is hurt in your unit or you damage someone else's property.
- Loss of use. Extra living costs if the unit becomes uninhabitable after a covered loss.
- Medical payments to others. Small medical bills for a guest injured in your home, regardless of fault.
General information, not a policy. What a policy pays depends on its form, endorsements and limits, and on carrier underwriting.
Common gaps
What it does not cover
The exclusions and gaps that most often catch people out.
- The building. The structure is the landlord's policy, not yours.
- Flood. Not covered without a separate flood contents policy. NFIP offers contents-only coverage for renters.
- Roommates. A roommate's property is not covered unless they are named on the policy.
- High-value items. Jewelry, collectibles and similar items have sub-limits unless they are scheduled separately.
Rhode Island
Rhode Island specifics
Renters insurance is the line most Providence tenants skip, and the landlord's policy does not cover a tenant's belongings or liability.
Some Rhode Island leases require tenants to carry renters liability coverage. Check your lease for an insurance clause and the minimum it asks for.
Flood is excluded here as on every standard form. If your unit is on a ground floor or basement level, ask about NFIP contents coverage.
Before you call
What to bring to Gilbane
This lets a licensed agent quote like for like instead of guessing.
- Your address, the type of building and the number of units.
- A rough value of your belongings, and a list of any high-value items.
- Your lease, if it names an insurance requirement.
- Your current declarations page, if you already have a policy.
- Your auto declarations page, if you want to look at both policies together.
Photograph the documents and text them, email them to info@gilbaneinsurance.com, send them on WhatsApp, or bring them to 428 Pawtucket Ave, Monday to Friday, 9:00 to 5:00.
Answers
Questions about renters insurance
No. The landlord's policy covers the building and the landlord's own liability. Your belongings and your personal liability need your own renters policy.
No. Flood is excluded from standard renters forms. NFIP offers contents-only flood policies for renters.
Not unless they are named on it. Roommates usually carry their own policy.
Many carriers offer a multi-policy credit when renters and auto are written together. We will check which carriers offer it for your situation.
Next step
Talk to a licensed agent about renters insurance
Start a quote online, or call the office on Pawtucket Ave, Monday to Friday, 9:00 to 5:00. Se habla español. There is no fee for a quote.
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