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Directory · Rhode Island · Homeowners

Who writes homeowners in Rhode Island

Top insurer groups from the NAIC market share report; the state's list carries no lines of authority.

Allstate Insurance Group wrote the most homeowners in Rhode Island in 2025, $109.1M and 14.0% of the state's premium; the top five groups hold 46%. Rhode Island's company list doesn't say which lines each company is licensed for, so the ranking below is the NAIC's top 10 groups; every licensed company is on the Rhode Island page.

By Sam Alishahi, independent insurance broker · All lines in Rhode Island

Top 10 · NAIC table: 04 - Homeowners Multiple Peril

The insurer groups that write the most homeowners in Rhode Island

Top 10 insurer groups by direct premium written in 2025, from the NAIC's Market Share Reports for Property/Casualty Groups and Companies by State. A group is the parent and its insurance companies together; share is the group's part of the state total for the line; loss ratio is losses incurred over premium earned.

#Insurer groupPremium writtenShareLoss ratioMember companies here
1Allstate Insurance Group$109.1M14.03%34%Allstate Vehicle and Property Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Northbrook Indemnity Company, Allstate North American Insurance Company
2Amica Mutual Group$94.9M12.20%51%Amica Mutual Insurance Company, The, Amica Property and Casualty Insurance Company
3United Serv Automobile Assn Group$61.4M7.90%29%United Services Automobile Association, USAA Reciprocal, Attorney-in-fact, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company
4Liberty Mutual Group$47.1M6.05%22%Safeco Insurance Company of America, Liberty Insurance Underwriters, Inc., Liberty Mutual Fire Insurance Company, Liberty County Mutual Insurance Company
5Andover Group$42.7M5.49%35%Cambridge Insurance Company, Merrimack Insurance Company, Bay State Insurance Company
6Nationwide Corporation Group$39.7M5.10%40%Nationwide Mutual Insurance Company, Nationwide Insurance Company of America, National Casualty Company, Nationwide General Insurance Company
7American Family Insurance Group$36.3M4.67%32%American Family Mutual Insurance Company, S.I., American Family Connect Property and Casualty Insurance Company, Homesite Insurance Company, American Family Insurance Company
8Heritage Insurance Holdings Group$34.7M4.46%35%Heritage Property and Casualty Insurance Company, Narragansett Bay Insurance Company, Zephyr Insurance Company, Inc.
9Progressive Group$28.6M3.67%20%Progressive County Mutual Insurance Company, United Financial Casualty Company, Progressive Universal Insurance Company, Progressive Direct Insurance Company
10Farmers Insurance Group$27.3M3.51%28%Farmers Insurance Exchange, Foremost Insurance Company Grand Rapids, Michigan, Mid-Century Insurance Company, Fire Insurance Exchange Fire Underwriters Association
Turned down?

Last resort for homeowners in Rhode Island

Last resortLinesWhereHow to get in
Property FAIR Plansdwelling fire, homeowners, commercial propertyCA, CO, CT, IL, IN, IA, KS, KY, MN, MO, OH, OR, PA, TX, WI, WV, LA, DE, DC, GA, HI, MD, MA, MI, NJ, NM, NY, NC, RI, VA, FLEach state's plan; California: broker searches the regular market first, registers on the broker portal (cfpnet.com); a DIC wrap is optionalSource
Surplus lines and Lloyd's open marketallall states, under each state's diligent-search rulesThrough surplus lines wholesalers; commercial property and liability have no guaranteed plan, so this is their last stepSource

Method and source

Source: the Rhode Island insurance regulator company list, read 2026-10-18 and the surplus lines list. Admitted = RI DBR 'Property & Casualty Insurers' roster (Report Date October 2, 2026, Company Count 840): a category list of licensed P&C insurers with NAIC codes; no per-line authority, no license dates, no domicile (type is the roster category; domicile/type overridden from the RI_Domestics companion list for the 29 RI domestics). Life/health insurers are on separate DBR lists and are not included. Surplus lines = 'Registered US Domiciled Surplus Lines Insurer' list (Report Date October 2, 2026, Company Count 212); RI defers non-US insurers to the NAIC IID Quarterly Listing of Alien Insurers, so alien=true only for the few legacy no-NAIC UK entries still on the list. No eligibility dates given. address/phone kept as extra fields. surplus: the PDF carries 48 stale rows after the alphabetical list ends (older render left in the file; dropped). Stale-only entries not in the current list: Specialty Surplus Insurance Company [11622]; Sunderland Marine Mutual Insurance Company, Ltd. [no NAIC]; Through Transport Mutual Insurance Association Limited [no NAIC]; Tokio Marine Europe Insurance Limited [no NAIC]; TT Club Mutual Insurance Limited [no NAIC]; ULLICO Casualty Company (In Liquidation) [37893]; Underwriters at Lloyd's, London [no NAIC]; Velocity Speciality Insurance Company [39640]; Western Heritage Insurance Company [37150]; York Insurance Company of Maine [31267]; ZC Specialty Insurance Company [24317]; Zurich Specialties London Limited [no NAIC]. "Premium" is direct premium written in the state for the year shown; "share" is that company's part of the state total for the line. A company can be licensed for a line and write none of it, and a surplus lines insurer can write a line without a state license for it.

Open to use. Cite "Alishahi Insurance insurance company directory" and link here. CSV · JSON.

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