Flood Insurance in Rhode Island
Flood is excluded from every standard homeowners policy. Coverage comes from the NFIP or a private flood carrier, and most policies carry a waiting period.
What is different in Rhode Island
Almost all of Rhode Island is within reach of coastal storm surge, and hurricane deductibles trigger on named storms rather than on wind speed at the property. Separate flood placement is a routine part of a Rhode Island property conversation rather than an exception.
Exposures that shape pricing here
- hurricane
- coastal flood
Agents and local rules in Rhode Island
Flood Insurance reading
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