A. Ricciotti Insurance Associates, LLC
100 Midway Road, Suite 20, Cranston, RI 02920
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100 Midway Road, Suite 20, Cranston, RI 02920
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75 Sockanosset Cross Rd, Ste 202, Cranston, RI 02920
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2000 Chapel View Boulevard, Suite 240, Cranston, RI 02920
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900 Park Ave, Cranston, RI 02910
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2000 Chapel View Blvd, Suite 240, Cranston, RI 02920
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63 Sockanosset Cross Rd, Ste 2A, Cranston, RI 02920
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1006 Reservoir Ave, Cranston, RI 02910
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Learn about insurance coverage options specific to Cranston residents.
Cranston homeowners pay $1,902/year on average for home insurance. Learn about winter risks, flood coverage, and how to save on your Rhode Island policy.
General Insurance EducationComplete insurance guide for Cranston, RI residents. Compare rates on auto ($2,400-$2,700/yr), home ($1,650-$2,400/yr), and life insurance. Get flood info.
Car InsuranceCranston auto insurance guide: Learn about RI's 25/50/25 requirements, at-fault system, I-95 corridor impacts, and how to save on coverage in Providence County.
Cranston homeowners pay an average of $1,902 per year (about $158 per month) for home insurance, which is $602 less than the national average. Your actual cost depends on your home's value, chosen deductible, coverage limits, and the insurance company you select. A $300,000 home with a $500 deductible typically costs around $1,488 annually, while a $600,000 home runs about $2,718 per year.
No, standard homeowners insurance policies do not cover flood damage in Cranston or anywhere else. Flood coverage requires a separate flood insurance policy, typically purchased through the National Flood Insurance Program (NFIP). Even though Cranston isn't coastal, the city experiences flash floods and heavy rainfall that can cause significant damage. FEMA reports that just one inch of water can cause $25,000 in damage, making flood insurance worth considering even if you're not in a high-risk zone.
Winter weather poses the biggest insurance risks for Cranston homeowners. Nor'easters bring heavy snow, strong winds, and potential flooding between September and April. Ice dams—where melting snow refreezes at roof edges and forces water under shingles—cause frequent water damage claims. Frozen pipes in unheated areas can burst and release hundreds of gallons of water into your home. Make sure your attic is properly insulated and ventilated, and keep your home heated to at least 55°F even when you're away during winter.
Increasing your deductible from $500 to $2,000 can reduce your annual premium by nearly 17%. You can also save by bundling home and auto insurance with the same company, installing security systems, maintaining a claims-free record, updating older electrical or plumbing systems, and replacing an aging roof. Shopping around and comparing quotes from multiple insurers like State Farm, Amica, Allstate, and Providence Mutual can help you find the best rate for your specific situation.
Yes, absolutely. Cranston's median home prices reached $476,000 in 2024, up significantly from previous years. Your dwelling coverage should reflect replacement cost—what it would actually cost to rebuild your home at today's construction prices—not just your home's market value. With home values appreciating rapidly and construction costs rising, you should review your coverage limits annually with your insurance agent to ensure you're not underinsured.
Generally yes, though it depends on the home's condition and updates. Cranston has many established neighborhoods with older housing stock, and aging electrical systems, plumbing, and heating equipment can increase insurance costs because they're more likely to fail and cause claims. However, updating these systems can often qualify you for insurance discounts. Ask your insurer which upgrades would reduce your premium—sometimes the savings justify the investment in modernizing your home's infrastructure.
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