Home Insurance Non-Renewals in Rhode Island, County by County
1.37 percent of Rhode Island homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.69% | 0.86% | 0.78% | 0.95% | 0.79% | 1.37% |
Rhode Island moved 24 places up the national order between the first and last year of this file. It ranked 32nd of 51 jurisdictions on the 2018 rate and 8th on the 2023 rate, so the count of jurisdictions carrying a higher rate went from 31 to 7. The rate itself climbed from 0.69 percent in 2018 to 1.37 percent in 2023. Ranked by the size of the move since 2018 rather than by the level, it comes 7th of 51. Under the 2023 rate sit 1,936 policies the insurer chose not to renew out of 141,167 in force, against 709 out of 103,287 six years earlier, so the count of dropped policies rose over the file while the book behind it grew. Non-renewals counted 709 in 2018 and 1,936 in 2023, while the book behind them grew from 103,287 policies to 141,167. The peak is 2023. Newport tops the 2023 readings at 2.03 percent, with Washington next at 1.42 percent, 0.61 points behind. In 2023, three of the 5 counties with a reading that year sat above the state rate. The national top 100 counties by 2023 rate, counted from books of at least 500 policies, holds nothing from this state. Each figure counts a policy the insurer let expire instead of renewing it. That is a decision made by the carrier, and it tends to show up in the data before prices and availability move.
Every county in the file
Nothing is filtered out of this table. On this page nothing needed to be. A county needs 500 policies in 2023 before its rate is ranked or named, and every 2023 reading below clears that. On a two-policy book a single non-renewal is 50 percent, and that is a property of the fraction.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Newport | 0.37% | 0.52% | 0.82% | 1.75% | 0.92% | 2.03% | 15,404 | up sharply |
| Washington | 0.37% | 0.52% | 1.04% | 1.14% | 0.68% | 1.42% | 22,400 | up sharply |
| Kent | 0.85% | 1.19% | 0.92% | 0.85% | 0.83% | 1.40% | 26,060 | up sharply |
| Bristol | 0.43% | 0.60% | 0.49% | 0.71% | 0.54% | 1.28% | 7,210 | up sharply |
| Providence | 0.80% | 0.93% | 0.69% | 0.82% | 0.81% | 1.21% | 70,093 | up |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Notice periods before a non-renewal are set by state law and this desk has not yet sourced the Rhode Island statute. The states it has checked are on the coverage map. For Rhode Island, the department of insurance is the record that governs.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.