Rhode Island HO8 Insurance

Rhode Island HO-8 Insurance policy is designed for older homes in Rhode Island. The Rhode Island HO8 insurance companies usually only cover the actual cash value of the home in the event of a claim. Leading homeowners insurance companies in Rhode Island are AllState and Auto Club and they operate in cities such as Providence, Wakefield, Warwick or Richmond.


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What Will HO8 Insurance Cover in Rhode Island?

A standard home insurance policy in Rhode Island whether you live in Providence, Richmond or Wakefield will cover most damages to your RI home and your personal belongings from perils such as explosion, lightning damage from falling objects, riots, theft, trucks or vehicles.

What is Rhode Island HO8 Insurance?

Useful on older buildings that may be of historic importance and has a lower market value than pure replacement cost.

What is the main difference between HO3 and HO8 Insurance?

HO3 insurance is the most common for of coverage in Rhode Island. HO8 is designed for older homes where you get cash value for the home after deducting any depreciation against the property.

What areas can qualify for HO8 Home Insurance in Rhode Island?

The policy will cover any home in the state Rhode Island such as:
  • Providence, RI
  • Richmond, RI
  • Wakefield, RI
  • Cranston, RI
  • Warwick, RI
  • East Providence, RI
  • North Providence, RI
  • South Kingstown, RI
  • Pawtucket, RI
  • Narragansett, RI
  • Newport, RI
  • Smithfield, RI
  • North Kingstown, RI
  • Peace Dale, RI
  • Carolina, RI
  • Wyoming, RI
  • Charlestown, RI
  • Central Falls, RI
  • Bonnet Shores, RI
  • Block Island, RI