Mandatory Insurance for Residential Landlords (effective January 1, 2022)

Happy New Year!

Are you a residential landlord in Rhode Island?

If so, be sure to check your insurance policy for your rental dwelling(s). Effective January 1, 2022, owners who rent residential dwelling units must obtain a general liability insurance policy with minimum coverage of $100,000 to cover people who are injured in or on the rental property as a result of the landlord’s negligence.  

The landlord must provide a copy of the declaration page to the tenant along with the rental at the start of the tenancy and each time that the insurance policy is renewed. 

If the landlord fails to comply, the tenant can pursue remedies, such as terminating the rental agreement; actual damages; obtaining injunctive relief, and, in some cases, reimbursement for attorney’s fees.  34-18-28 (

Landlords should consult an insurance agent to determine whether it makes sense to increase the limits of the policy to protect their assets.


Amy Hoag

Amy Hoag