Home Renters insurance Renters insurance cost Rhode Island Warwick, RI Average renters insurance cost in Warwick, Rhode Island The average cost of renters insurance in Warwick is $462 per year or $39 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 12, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Warwick, the average cost of renters insurance is $462 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is $6 less than the state average of $468 per year.Renters insurance costs can vary based on the coverage you choose and the amount of liability protection included in your policy. If you’re living in a rental, it’s a smart way to protect your personal belongings from things like fire, smoke, theft, vandalism, and other covered incidents. Let’s take a look at the cheapest renters insurance options in Warwick.Key TakeawaysThe average cost of renters insurance in Warwick is $462 annually or $39 monthly.The cheapest option for renters in Warwick is Amica, offering coverage at $15 per month.Renters can reduce their insurance costs by taking advantage of discounts, such as installing a security system or bundling policies.What is the average cost of renters insurance per month in Warwick?The average monthly cost of renters insurance in Warwick is $39, which is equals to the state average of $39. This rate is for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Warwick pay $32 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $7.Higher coverage limits are recommended if you own valuable items like jewelry, furniture, and electronics.How much is renters insurance in Warwick by deductible?Renters insurance in Warwick costs an average of $419 per year for a $500 deductible and $20,000 in personal property coverage.The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $31 annually.The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.Deductible$20,000 personal property$40,000 personal property$60,000 personal property$500$419$498$568$1,000$388$462$527Note: The liability protection coverage is $100,000.Who offers affordable renters insurance in Warwick?Amica provides the cheapest rates in Warwick, with an annual premium of $181 or $15 per month. State Farm is the second-cheapest company, followed by Nationwide.Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.Renter insurance providerAverage annual rateAverage per month rateAmica$181$15State Farm$187$16Nationwide$203$17Allstate$209$17New London County Insurance$310$26Farmers$453$38AIG$775$65PURE$1,378$115Tips for reducing the cost of renters insuranceHere are some tips to help reduce renters insurance costs in Warwick:Bundle insurance policies. If you have other insurance policies, such as car insurance, consider bundling them with the same insurer. Many insurers offer discounts for bundling in Warwick.Increase deductible. Opting for a higher deductible can lower your premium in Warwick, but make sure you’re comfortable with the amount you’d pay out-of-pocket in case of a claim.Choose the right coverage. Review your policy regularly to ensure you don’t have extra coverage. For example, you might not need as much coverage for personal property if you don’t own many valuables.Avoid small claims. Filing too many small claims can increase your rates over time. Consider paying for minor damages out-of-pocket instead of claiming them through insurance.Shop around. Don’t settle for the first quote you receive. Compare renters insurance quotes in Warwick from multiple providers to find the best price for the coverage you need.Renters insurance in Warwick, offers valuable protection for renters at an affordable price. While premiums can vary depending on location, coverage amount and individual circumstances, the peace of mind it provides is worth the investment. By understanding your coverage needs, comparing quotes and taking advantage of discounts, you can find an affordable policy that suits your budget.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Warwick in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other cities?CranstonEast ProvidencePawtucketProvidenceShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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By Nupur Gambhir State Farm home and auto bundle insurance in 2025 By Jessica Olson $400K home insurance cost calculator By Zack Sigel On this page What is the average cost of renters insurance per month in Warwick?How much is renters insurance in Warwick by deductible?Who offers affordable renters insurance in Warwick?Tips for reducing the cost of renters insuranceMethodology ZIP Code Please enter valid ZIP See rates