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Category Archives: Rhode Island Insurance

Rhode Island State Flag
Rhode Island State Flag

Rhode Island car insurance requirements start at 25/50/25.

This means you must have RI auto insurance in the amount of $25,000 coverage for bodily injury liability per person and $50,000 coverage for bodily injury liability total per accident.

You are also required to carry at least $25,000 coverage for property damage liability total.

If the damage to either people injured or auto damage/destruction exceeds these limits, you will be responsible for for the difference.

Due to that fact, we urge you to check out getting more coverage than the bare minimum when buying Rhode Island auto insurance.

Hurricane Insurance Deductible Waived For Homeowners

Hurricane Sandy Deductible WaivedPost Date November 11, 2012 – Hurricane Sandy was the most destructive weather event in the northeast over the last 60 years.  The death and destruction from Sandy will be felt for decades.  Law makers in the effected eight states and the District of Columbia recently announced a temporary change in Homeowners Insurance Rules to help many of those affected.  To help reduce the sting associated with the expense from the mandatory hurricane insurance deductible, Insurance Commissioners in those effected states will waive the hurricane insurance deductible for that homeowner.

The burden of a Hurricane Insurance Deductible will not be a burden for Sandy homeowners victims

The trend started when Karen Weldin Stewart, the Delaware Insurance Commissioner stated homeowners in the “First State” would not be required to pay a deductible associated with Sandy’s Hurricane Insurance Deductible. On November 1st;  Pennsylvania’s  Governor Tom Corbett announced PA Residents would also not need to pay a hurricane insurance deductible.  It’s obvious a Hurricane Insurance Deductible would add an additional burden to Pennsylvania Homeowners already enduring the expense of cleaning up and rebuilding their lives after this devastating event. Homeowners insurance policies in PA have different types and names for their state deductibles. They can be called Tropical Storm, Named Storm or  just referred to as Hurricane.  The bottom line is the Super-Storm that plagued the northeast was named “Hurricane Sandy”.

The states affected by Hurricane Sandy are the following;   Pennsylvania, New Jersey, Maine,  Delaware, Rhode Island, Connecticut, Maryland, New York and the District of Columbia. This came as welcome news to many of our customers.  In many situations, I have customers with deductibles as high as $2500.00 for higher value homes or those whom are members of a Condo Association.  In those situations, It makes more sense to raise the insurance deductible which will lower the their insurance premium. In addition, a condo association can share the expense of a larger deducible by dividing up among the condo association members and lowering the overall risk.

-Mike

Michael E. Dortch
President &  Managing Agent
InsureDirect.com
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206