{"id":324382,"date":"2025-11-10T16:50:02","date_gmt":"2025-11-10T21:50:02","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=84707"},"modified":"2025-11-10T16:50:02","modified_gmt":"2025-11-10T21:50:02","slug":"best-in-rhode-island","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-rhode-island\/","title":{"rendered":"The Best Homeowners Insurance Companies in Rhode Island"},"content":{"rendered":"\n\n\n<p>For such a tiny state, homeowners in Rhode Island now face relatively high premiums for their <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">home insurance<\/a>, with 2025 statewide averages roughly in the low-$2,000s per year (about $1,900\u2013$2,300 for a standard policy), according to analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>. To help you find affordable coverage, we reviewed the best Rhode Island home insurance companies based on market share, policies and discounts.&nbsp;<\/p>\n\n\n\n<p>Although it\u2019s not always the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-cheap\/\">cheapest carrier<\/a>, Amica remains a top pick thanks to strong customer feedback, customizable coverage options, and service. Allstate and Narragansett Bay are also solid contenders for home insurance in Rhode Island. If you need flood protection, compare <a href=\"https:\/\/www.floodsmart.gov\">NFIP coverage<\/a> and <a href=\"https:\/\/content.naic.org\">private flood options<\/a>; availability and pricing vary by insurer.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 4 Home Insurance in Rhode Island&nbsp;<\/h2>\n\n\n\n<ul><li><a href=\"#customer\" rel=\"nofollow\" class=\"achor-toggles\">Amica<\/a>: Best for Customer Service<\/li><li><a href=\"#homebuyers\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best for New Home Buyers<\/li><li><a href=\"#affordable\" rel=\"nofollow\" class=\"achor-toggles\">Narragansett Bay<\/a>: Best for Affordable Coverage<\/li><li><a href=\"#flood\" rel=\"nofollow\" class=\"achor-toggles\">UPC Insurance<\/a>: Best for Flood Insurance guidance (compare NFIP and private flood options) <\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Rhode Island\u2019s Best Homeowners Insurance<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><br><\/td><td><strong>Average Price*<\/strong><\/td><td><strong>AM Best Financial Strength<\/strong><\/td><td><strong>J.D. Power Overall Customer Satisfaction**<\/strong><\/td><\/tr><tr><td>Amica<\/td><td>See statewide avg (~$2,100*)<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings-services\/company-ratings\">See AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">See latest study<\/a><\/td><\/tr><tr><td>Allstate<\/td><td>See statewide avg (~$2,100*)<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings-services\/company-ratings\">See AM Best<\/a><\/td><td><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">See latest study<\/a><\/td><\/tr><tr><td>Narragansett Bay<\/td><td>See statewide avg (~$2,100*)<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings-services\/company-ratings\">See AM Best<\/a><\/td><td>N\/A<\/td><\/tr><tr><td>UPC Insurance<\/td><td>See statewide avg (~$2,100*)<\/td><td><a href=\"https:\/\/web.ambest.com\/ratings-services\/company-ratings\">See AM Best<\/a><\/td><td>N\/A<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*2025 statewide modeled averages place Rhode Island around $1,900\u2013$2,300 per year for a standard HO-3 profile; see analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a><\/em><\/p>\n\n\n\n<p><em>**Use the latest J.D. Power homeowners insurance study (1,000-point scale); scores change annually. See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Best Homeowners Insurance in Rhode Island<\/h2>\n\n\n            <span class=\"b-toc-anchor\" id=\"customer\" title=\"Best for Customer Service\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Amica<\/h3>\n\n\n\n<p>Amica is not one of the largest insurers in the U.S., but its customer service consistently earns high marks in recent independent studies, and it offers flexible coverage options. Because it\u2019s owned by its policyholders, some policies may be eligible for dividends. See current industry satisfaction benchmarks from <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power<\/a> (1,000-point scale) and cross-industry results from the <a href=\"https:\/\/www.theacsi.org\">American Customer Satisfaction Index<\/a> (0\u2013100 scale).<\/p>\n\n\n                                                \n\n\n<section id=\"amica\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Amica<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Amica scores highly with consumer satisfaction organizations, but the reason isn\u2019t that it has a lot of unique bells and whistles. Instead, the company has a laser-focus on the customer experience and everything it does, from online quotes to claims payout, is designed to keep its policyholders happy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=323259-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,173*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">845**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Amica scores highly with consumer satisfaction organizations, but the reason isn\u2019t that it has a lot of unique bells and whistles. Instead, the company has a laser-focus on the customer experience and everything it does, from online quotes to claims payout, is designed to keep its policyholders happy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Great customer service<\/li>\n                            <li>Handles claims quickly and efficiently<\/li>\n                            <li>Money-back dividends for some policies<\/li>\n                            <li>Replacement value for personal belongings<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Bare-bones website<\/li>\n                                    <li>Limited discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li>Credit when you insure your new or remodeled home<\/li>\n<li>Burglar or fire alarms; sprinkler system<\/li>\n<li>Automatic detection devices such as a water or gas leak system<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Amica\u2019s most unique feature is its consistent appearance at the top of the best customer service lists. It\u2019s been number one with J.D. Powers, in fact, for 18 years\u2014that\u2019s a legacy of customer care that is hard to match.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Amica:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/amica-review\/\">Amica homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/amica-review\/\">Amica renters insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/amica-review\/\">Amica auto insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"homebuyers\" title=\"Best for New Homebuyers\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Allstate<\/h3>\n\n\n\n<p> Allstate\u2019s strength is the breadth of its coverage options and discounts, helping you tailor a policy to your needs. It also invests heavily in digital tools and resources that make it easier to quote, manage policies, and file claims \u2014 areas that feature prominently in recent <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-digital-experience-study\">insurance digital experience<\/a> benchmarks. <\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Home Buyers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts add up to lower premiums, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs. Allstate is also generous in its coverage, providing up to $10,000 for accidental damage.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,388*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">814**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts add up to lower premiums, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs. Allstate is also generous in its coverage, providing up to $10,000 for accidental damage.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Diverse discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                            <li>Above-average customer service<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>NAIC complaint index high<\/li>\n                                    <li>Financial strength ratings good, but not great<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li>Early signing discount<\/li>\n<li>Homebuyer discount<\/li>\n<li>Hail-resistant roof discount<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Allstate\u2019s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Allstate<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate homeowners insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate renters insurance review<\/a><\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate auto insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"affordable\" title=\"Best for Affordable Coverage\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">Narragansett Bay Insurance<\/h3>\n\n\n\n<p>Narragansett Bay Insurance is a regional provider focused on coastal markets, offering straightforward, budget-friendly home insurance with agent support and localized underwriting expertise. Service and turnaround can be competitive for Rhode Island homeowners who prefer working with a regional carrier. <\/p>\n\n\n                                                \n\n\n<section id=\"narragansett-bay\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Narragansett Bay<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Affordable Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re looking for cheap home insurance in Rhode Island, consider Narragansett Bay Insurance. The company offers bare-bones coverage, plus a few extras, but the price will fit into most budgets. Narragansett Bay Insurance also sells NFIP flood insurance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.nbic.com?rvitemid=345347-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$551*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">N\/A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                If you\u2019re looking for cheap home insurance in Rhode Island, consider Narragansett Bay Insurance. The company offers bare-bones coverage, plus a few extras, but the price will fit into most budgets. Narragansett Bay Insurance also sells NFIP flood insurance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Many coverage options<\/li>\n                            <li>Offers private flood insurance<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No online quotes<\/li>\n                                    <li>Few discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New home\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Safe home<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claims-free<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loyalty<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Narragansett Bay offers a service called ShelterPride, which includes a professional in-home appraisal to assess ways for the homeowner to avoid common losses. <\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"flood\" title=\"Best for Flood Insurance\"><\/span>\n    \n\n\n<h3 class=\"wp-block-heading\">UPC Insurance<\/h3>\n\n\n\n<p>For flood protection in Rhode Island, compare your options between the federally backed NFIP and private flood policies offered by various insurers. Under FEMA\u2019s <a href=\"https:\/\/www.fema.gov\">Risk Rating 2.0<\/a>, NFIP pricing is more property-specific, and private flood policies may offer higher limits or additional features like ALE; availability and underwriting vary. Start with <a href=\"https:\/\/www.floodsmart.gov\">FloodSmart<\/a> for NFIP coverage basics and shop private alternatives with a licensed agent.<\/p>\n\n\n                                                \n\n\n<section id=\"upc-home-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">UPC Home Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Flood Insurance<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                UPC is a good option for Rhode Islanders who want comprehensive home insurance coverage, plus private flood insurance. The company also offers good discounts that can help lower your premium.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.upcinsurance.com?rvitemid=340533-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$905*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">747**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                UPC is a good option for Rhode Islanders who want comprehensive home insurance coverage, plus private flood insurance. The company also offers good discounts that can help lower your premium.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Wide variety of coverage options<\/li>\n                            <li>Offers private flood insurance<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>No online quotes<\/li>\n                                    <li>Must work primarily with agents<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Protective device<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">New roof<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Working with an accredited builder<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Pay in full<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Retired homeowner<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">UPC Insurance sells private flood insurance and NFIP flood insurance, so it\u2019s a great option for any homeowner who needs flood coverage in addition to robust home insurance.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*2025 statewide modeled averages place Rhode Island around $1,900\u2013$2,300 per year for a standard HO-3 profile; see analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a><\/em><\/p>\n\n\n\n<p><em>**Use the latest J.D. Power homeowners insurance study (1,000-point scale); scores change annually. See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\">J.D. Power press releases<\/a><\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Homeowners Insurance in Rhode Island\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Rhode Island<\/h2>\n\n\n\n<p>According to 2025 market estimates, the average cost of homeowners insurance in Rhode Island is roughly $1,900\u2013$2,300 per year (about $160\u2013$190 per month) for a standard owner-occupied policy \u2014 higher than the current U.S. average but far below the most catastrophe-exposed states. These figures come from contemporary state-by-state analyses by <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>. For historical context, the latest official NAIC-based benchmark compiled by the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">Insurance Information Institute<\/a> places Rhode Island in the mid-$1,500s for 2021, implying roughly a 25%\u201345% cumulative increase through 2025 \u2014 consistent with elevated household insurance inflation reported by the <a href=\"https:\/\/www.bls.gov\/cpi\/\">Bureau of Labor Statistics<\/a>. Your actual premium still depends on personal factors like ZIP code, proximity to the coast, home characteristics, credit-based insurance scores (where allowed), and deductible choices.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That May Further Protect You<\/h2>\n\n\n\n<p>Many Rhode Island homes face coastal wind and flood exposure. Standard homeowners policies exclude flood, so consider standalone flood coverage via the NFIP or private insurers. NFIP pricing now follows FEMA\u2019s property-specific <a href=\"https:\/\/www.fema.gov\">Risk Rating 2.0<\/a>, and a typical <a href=\"https:\/\/www.floodsmart.gov\">30\u2011day waiting period<\/a> applies (exceptions exist). Private flood policies may offer higher limits and additional features like ALE; confirm lender acceptance. Beyond flood, review key endorsements such as replacement cost on dwelling and personal property, ordinance or law (code upgrades), water backup\/sump overflow, service line, and equipment breakdown \u2014 options highlighted by the <a href=\"https:\/\/content.naic.org\">NAIC<\/a>. Also note that separate hurricane\/wind deductibles are common in coastal areas; choosing higher deductibles can lower premiums but increases out-of-pocket costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">The Cheapest Home Insurance Companies in Rhode Island<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Home Insurance Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><\/tr><tr><td>Narragansett Bay<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>State Farm<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>UPC Insurance<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>Nationwide<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>Farmers<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>PURE<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>Amica<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>Allstate<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>ANDOVER Grp<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><tr><td>Providence Grp<\/td><td>Varies by profile\/ZIP; see statewide avg (~$2,100*)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*2025 statewide modeled averages from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a> for a standard profile; individual company premiums vary significantly by ZIP, home features, and coverage<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Rhode Island Homeowners Insurance<\/h2>\n\n\n\n<ul><li><strong>2025 statewide benchmark \u2014<\/strong> about $2,100\/year on average (range ~ $1,900\u2013$2,300), per <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a><\/li><li><strong>Cheapest carrier varies \u2014<\/strong> rates depend on ZIP, distance to coast, roof age\/condition, credits, and deductibles; compare quotes from at least 3\u20135 insurers<\/li><li><strong>Savings levers \u2014<\/strong> bundle home + auto, set deductibles you can afford, and ask about wind\u2011mitigation credits and device discounts<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Home Insurance in Rhode Island<\/h2>\n\n\n\n<ul><li><strong>Coastal\/bay\u2011front ZIPs \u2014<\/strong> highest costs often align with hurricane\/wind deductibles and older roofs<\/li><li><strong>Last\u2011resort coverage \u2014<\/strong> properties that need the RI FAIR Plan may pay more for less comprehensive coverage (see the state\u2019s consumer guide)<\/li><li><strong>Higher rebuild costs \u2014<\/strong> homes with higher replacement values and limited mitigation often see steeper pricing amid reinsurance and inflation pressures<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Resources Helpful for Rhode Island Homeowners<\/h2>\n\n\n\n<p>If you\u2019re purchasing home insurance for the first time, we recommend checking out the Rhode Island Department of Business Regulation\u2019s <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/dbr.ri.gov\" target=\"_blank\">resources on home insurance<\/a>. You\u2019ll find helpful information about what home insurance covers, hurricane\/wind deductibles, the RI FAIR Plan, how to create a home inventory of your personal belongings, and how to protect your home throughout the seasons. You can also visit Rhode Island\u2019s Emergency Management Agency for more information about <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.riema.ri.gov\/resources\/citizens\/mitigation\/insurance.php\" target=\"_blank\">flood insurance<\/a>. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"> Homeowners Insurance FAQ<\/h2>\n\n\n<div id=\"block_61e1d45b3c1d1\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Rhode Island?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The state of Rhode Island does not require its citizens to have home insurance, but most mortgage lenders do require homeowners insurance when you purchase your home.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_61e1d4713c1d2\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Rhode Island?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on 2021 data from Bankrate.com, the cheapest homeowners insurance policy is offered by Narragansett Bay at $551 per year for $250,000 in dwelling coverage. However, your rates will vary based on your personal rating factors.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies using third-party ratings for customer experience and financial stability, along with coverage options and pricing context (using 2025 statewide modeled averages), to determine which providers may fit Rhode Island homeowners best.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul><li>Customer Ratings\u2013 We reference current J.D. Power homeowners studies (1,000-point scale) and cross-check with the ACSI sector (0\u2013100 scale) to gauge satisfaction and trends.<\/li><li>Coverage\u2013 Because no single company fits everyone\u2019s needs, we value a broad set of coverage options and add-ons (e.g., replacement cost options, water backup, ordinance or law).&nbsp;<\/li><li>Confidence\u2013 We look for strong financial strength so claims can be paid reliably, citing <a href=\"https:\/\/web.ambest.com\/ratings-services\/company-ratings\">A.M. Best<\/a> for point-in-time Financial Strength Ratings (FSR) and outlooks.<\/li><li>Customer Experience\u2013 We review complaint activity using the NAIC National Complaint Index to understand overall service performance.<\/li><\/ul>\n\n\n\n<p>Rate context and comparisons use 2025 statewide modeled averages from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and <a href=\"https:\/\/www.policygenius.com\">Policygenius<\/a>. These are sample figures for comparison only; your quotes will vary.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul><li>Coverage A, Dwelling: $250,000<\/li><li>Coverage B, Other Structures: $25,000<\/li><li>Coverage C, Personal Property: $125,000<\/li><li>Coverage D, Loss of Use: $50,000<\/li><li>Coverage E, Liability: $300,000<\/li><li>Coverage F, Medical Payments: $1,000<\/li><\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).<\/p>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>For such a tiny state, homeowners in Rhode Island now face relatively high premiums for their home insurance, with 2025 statewide averages roughly in the low-$2,000s per year (about $1,900\u2013$2,300 for a standard policy), according to analyses from Bankrate and Policygenius. To help you find affordable coverage, we reviewed the best Rhode Island home insurance [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":352712,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Rhode Island Home Insurance Companies of 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of the home insurance providers in Rhode Island includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-rhode-island\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Rhode Island Home Insurance Companies of 2021 | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Our review of the home insurance providers in Rhode Island includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-rhode-island\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-172418694.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"958\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-rhode-island\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Homeowners Insurance Companies in Rhode Island\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best Rhode Island Home Insurance Companies of 2021 | Reviews.com","description":"Our review of the home insurance providers in Rhode Island includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-rhode-island\/","og_locale":"en_US","og_type":"article","og_title":"Best Rhode Island Home Insurance Companies of 2021 | Reviews.com","og_description":"Our review of the home insurance providers in Rhode Island includes evaluations based on customer reviews, financial strength ratings, premium averages, and more.","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-rhode-island\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":958,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-172418694.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-rhode-island\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"The Best Homeowners Insurance Companies in Rhode Island"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324382"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=324382"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324382\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/352712"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=324382"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=324382"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=324382"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=324382"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}