Much like any other homeowners insurance policy, you need to be aware of your options and ask a licensed agent—What does homeowners insurance cover in Rhode Island? The main part of homeowners insurance coverage revolves around the dwelling. This is what makes up the biggest part of the premium because it is your largest asset. There are also coverage options for the personal belongings inside of your home. If you have many expensive or valuable items, it is worthwhile to ask for additional coverage. As mentioned, you will receive coverage for emergencies that occur on your property if someone gets injured. These coverages include medical costs as well as personal liability costs (if they try to sue you). In Rhode Island, storm surges and high winds can cause a lot of damage. Looking into extra protection from these elements is highly recommended. If you must vacate your home because it is damaged, your cost of living will be covered in the form of hotels and food bills. As mentioned, this is only the case when your home becomes unlivable due to a covered peril. Some of these perils are fire, wind, lightning, hail, smoke, theft, vandalism, weight of ice or snow, and freezing.