• Category 3 hurricanes, although making landfall typically in the gulf coast or east-central Florida, causes considerable wind and flood damage reaching all the way north to Rhode Island.
• Flooding is not uncommon in Rhode Island. Floods kill 140 people per year and cause $6 billion in property damage nationwide.
• All the rainfall in Rhode Island unfortunately results in landslides. Each year, landslides cause more than $2 billion in damages and 25-50 deaths in the United States.

People who call Rhode Island home have learned to live with the threat of flooding, thunderstorms, and severe winter storms (including the notorious nor'easter). Lightning, produced by thunderstorms, injures an average of 300 people each year. In 1995, severe winter weather caused 17 fatalities and $110.5 million in damages.

Many homeowners realize that the safest place to be during a thunderstorm, flooding, or a winter storm is inside the home, but while the family is safe, dry, and warm inside the home, the home's foundation, plumbing, roofing and exterior may be suffering. Blizzards, rain, freezing sleet, dangerous combinations of hi/low temperatures, and wind are all conditions that can damage or even destroy a home.

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The biggest mistake you can make is to do nothing at all; Rhode Island residents need to prepare for these and other natural disasters by ensuring the right home insurance policy is in place. Hundreds of insurance companies, many of which are disreputable, sell homeowners insurance in Rhode Island. It's difficult not only to differentiate the legitimate companies from the illegitimate, but it can be difficult for Rhode Island consumers to find the right policy at the lowest possible price. At insurehome.net, you can find the lowest real-time insurance quotes in Rhode Island.

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