Loss of use coverage helps Rhode Island homeowners pay for temporary living expenses if their home becomes uninhabitable due to a covered event. Learn what it covers, how it works, and why it matters.

Named perils insurance only covers specific events listed in your policy. Learn what “named perils” means in Rhode Island, what’s covered, what’s excluded, and why it matters for homeowners.

From coastal storms and nor’easters to flooding and heavy snow, Rhode Island weather has a major impact on home insurance coverage. Learn what’s covered, what isn’t, and how to protect your home before the next storm hits.