Builders Insurance Group Inc.
450 Veterans Memorial Pkwy, Suite 301A, East Providence, RI 02914
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450 Veterans Memorial Pkwy, Suite 301A, East Providence, RI 02914
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1009 Waterman Avenue, East Providence, RI 02914
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994 Willett Ave, East Providence, RI 02915
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1365 Wampanoag Trail, East Providence, RI 02915
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501 Warren Avenue, Ste 101, East Providence, RI 02914
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Learn about insurance coverage options specific to East Providence residents.
Complete insurance guide for East Providence, RI. Learn about auto, home, and flood coverage requirements, costs, and local agents serving this waterfront community.
Home InsuranceComplete guide to home insurance in East Providence, RI. Learn about coastal storm coverage, flood protection, rates, and what waterfront homeowners need.
Car InsuranceEast Providence drivers need 25/50/25 minimum coverage but pay $2,262/year average due to I-195 traffic. Learn RI's at-fault system and coverage options.
Even if your home isn't directly on the water, flood insurance is worth considering. About 25% of flood insurance claims come from properties outside high-risk flood zones, and East Providence has documented recurring flooding issues related to sea level rise. Standard homeowners policies don't cover flooding, so a separate NFIP policy is your only protection against this risk.
Rhode Island requires 25/50/25 liability coverage—that's $25,000 per person for bodily injury, $50,000 total per accident, and $25,000 for property damage. You also must carry uninsured motorist coverage at the same limits. However, these minimums may not adequately protect you in a serious accident, so consider higher liability limits if possible.
The average homeowners insurance premium in Rhode Island is about $2,080 per year, though actual costs vary based on your home's value, your credit score, and other factors. East Providence homeowners near the waterfront may face slightly higher rates due to flood risk in the area.
Yes, most insurance companies offer discounts when you bundle multiple policies. You can typically save 10-25% on your combined premiums by getting your auto and homeowners insurance from the same carrier. Just make sure you're still getting competitive rates—sometimes separate policies from different companies work out cheaper even without the bundle discount.
Driving without insurance in Rhode Island carries serious penalties, including fines, license suspension, and vehicle registration suspension. Rhode Island follows a fault-based system, so if you cause an accident while uninsured, you're personally liable for all damages and injuries—which could mean tens or hundreds of thousands of dollars in costs.
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