Homeowners Insurance

Protect Your Home and Everything In It

Zelano Agency is your trusted solution in Rhode Island for homeowners insurance.

We know how hard you’ve worked to turn your house into a home. Since your home is one of the most important financial investments of your lifetime, you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

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Zelano agency offers coverage options that are both flexible and affordable, and will work with you on an individual basis to find a homeowners insurance policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:

Property Insurance
Homeowners Liability
Renters Insurance
Condo Insurance
Scheduled Property Insurance
Landlords Insurance
In-Home Business Insurance

Not sure what coverage you need? Speak with a Zelano insurance specialist today.

What Does Homeowners Insurance Protect?

Accidents can happen at any time. Having the right insurance can protect your home and everything in it, as well as keep your property covered from damages and accidents.

While standard Home Insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Zelano Agency about specific coverage options that are applicable to your individual needs.

Local Service You Can Trust

For over 55 years, Zelano has helped homeowners across Rhode Island secure dependable coverage with confidence. We proudly service residents in Greenville, Providence, Cranston, Johnston, Warwick and surrounding communities.

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Don’t go another day without proper home insurance coverage. Keep your memories protected with the right policy from Zelano Agency.

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See Other Personal Insurance:

Auto Insurance

Home Insurance

Life Insurance

Landlord Insurance

Personal Umbrella

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Frequently Asked Questions

Is homeowners insurance required in Rhode Island?

Homeowners insurance is not required by law in Rhode Island, but most mortgage lenders require it as a condition of your loan. Even if you own your home outright, having coverage is strongly recommended to protect your property, belongings, and financial security.

What does a homeowners insurance policy cover?

A standard homeowners insurance policy in Rhode Island typically covers your home's structure, personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable due to a covered event.

Coverage often includes protection against fire, certain weather-related damage, theft, and injuries that occur on your property.

What factors affect homeowners insurance rates in RI?

Homeowners insurance rates in Rhode Island are influenced by several factors, including your home's location, age, construction type, coverage limits, deductible, and claims history. Proximity to the coast, exposure to severe weather, and local rebuilding costs can also impact pricing.

How can I lower my homeowners insurance premium?

There are several ways Rhode Island homeowners can reduce their insurance costs. Common strategies include bundling policies, increasing your deductible, improving home safety features (like alarm systems), and maintaining a claims-free history.

Working with an independent agency like Zelano also helps, as we compare options across multiple top-rated carriers to identify savings opportunities while keeping your coverage strong and reliable.

Can I bundle home and auto insurance?

Yes. Bundling your homeowners and auto insurance is one of the most effective ways to save money while simplifying your coverage. Many Rhode Island residents qualify for discounts when combining policies under one agency.

Zelano Insurance Agency makes bundling easy by coordinating your coverage across trusted insurance carriers, helping you reduce costs while ensuring both your home and vehicles are fully protected.