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Home » Homeowners Insurance in Providence, RI

Homeowners Insurance in Providence, RI

Your home is so much more than a house. It’s a significant investment you’ve chosen to make and fill with your treasured belongings. Homeowners insurance is essential if something damaging happens to you, your home or your possessions—and it can also provide financial protection if you are responsible for a third party’s injury or property damage.  

Gilbane Insurance helps Providence, Rhode Island, residents with coverage for their home insurance needs, and we can also help you with a policy tailored to your requirements.  

What Does Homeowners Insurance Cover? 

Homeowners insurance can help you financially recover if an accident or loss happens to your home or belongings due to a fire, theft or another covered incident. Homeowners insurance is a package policy that includes these protections: 

  • Dwelling coverage may help pay to repair or rebuild your home if a covered event damages or destroys it.  
  • Liability protection coverage may pay for bodily injury and property damage that you or a family member causes. Your policy may also pay court costs and awards up to your policy’s limit.  
  • Personal belongings coverage may pay for furniture, clothing, sports equipment, and other items stolen or destroyed by a covered incident. For more expensive items, you may need a personal property endorsement or floater to insure them for their appraised value. 
  • Additional living expenses coverage may pay your living costs if a covered incident forces you to live elsewhere. Coverage may include your hotel bills or other temporary lodging, meals and other living expenses—up to your policy limit.  

We can help you find a policy that meets your needs and explore any supplemental coverage that may benefit you. Some residents also purchase flooding protection since Rhode Island’s coastline makes it susceptible to flooding. 

Why Is Homeowners Insurance Required? 

Homeowners insurance isn’t required by law, but this critical coverage may protect you from a significant financial loss if you have a covered loss or damage. Otherwise, you may have to pay expenses on your own—which may be very costly. In addition, many lenders require coverage if you hold a mortgage with them. We can help you with a policy that maximizes your protection. 

How Much Homeowners Insurance Coverage Do I Need? 

The amount of homeowners insurance coverage you need is often complicated and personal. Ensuring that your home and belongings are sufficiently protected may involve buying additional endorsements, which we can explore with you. 

How to Get Homeowners Insurance

If you need a homeowners insurance policy or want to evaluate whether the coverage you have is adequate, we’re here to help. Give Gilbane Insurance Agency a call today to get started or request your free quote now.

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