Homeowners Insurance in Providence, RI

Residing in a city renowned for its rich history, striking architecture and vibrant neighborhoods, such as Providence, RI, is a privilege. However, it also entails certain risks. Severe weather conditions, unexpected accidents and other potential risks make home insurance an essential investment. At Lefebvre Insurance Agency, Inc., we offer personalized home insurance solutions to meet your specific needs. Whether you’re buying a new home or reviewing your current coverage, we’re here to assist you.

What Does Home Insurance Cover?

A standard home insurance policy typically covers the following:

• Dwelling coverage may help protect the structure of your home, including the walls, roof and built-in appliances, against risks like fire, wind and hail. \Personal property coverage may help cover your personal belongings, such as furniture, electronics and clothing if they are damaged or stolen.
• Liability protection may help provide coverage if someone is injured on your property and you are found legally responsible. It may also help cover legal fees and medical expenses.
• Additional living expenses may help cover the cost of temporary housing and other related expenses if your home is uninhabitable due to a covered event.
• Other structures coverage may help cover structures on your property that are not attached to your home, like a detached garage or shed.

How Much Does Home Insurance Cost?

The average annual cost of homeowners insurance varies based on factors such as the home’s location, age, construction type and the coverage limits you choose. It may also depend on the cost of rebuilding your home in case of a total loss, the value of your personal belongings, and your liability risk.

How Home Insurance is Calculated

Home insurance premiums are calculated based on various factors, including the home’s replacement cost, location, age, construction materials and the homeowner’s claims history. Discounts may be available for homes with security systems, smoke detectors and other safety features.

Where Can I Get Homeowners Insurance?

There are several reputable insurance providers in Providence, but we stand out for our exceptional service and comprehensive coverage options. At Lefebvre Insurance Agency, Inc., we offer personalized solutions to meet the unique needs of homeowners in the area. Contact us today or request a free quote.