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Best Homeowners Insurance Agencies in Rhode Island

Our Recommended Top 8

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Our goal is to connect people with the best local professionals. We scored Rhode Island Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



8Top Picks

Learn about our selection process.


featured provider = Featured Provider

Pawtucket Rating

Review Sources

4.6 (46)
5.0 (18)
5.0 (1)

Why choose this provider?

Andrews Insurance Agency is a locally owned and operated company serving Rhode Island. It provides homeowners' insurance policies that include client's possessions, additional living expenses, and detached structures coverage. It also gives clients other insurance options to include on their homeowners' insurance policies, such as flood, earthquake, pet, and umbrella liability. In addition, the agency is available for farm, auto, life, and disability insurance plan needs. Andrews Insurance Agency carries the best products from National Lloyds, The Hartford, American Modern, Harleysville, and Foremost.

Greenville Rating

Why choose this provider?

Bradford-Sutcliffe Insurance serves the Rhode Island area. It provides the best residential insurance products for clients, carrying homeowners, rental properties, tenants, and mobile homes insurance products from MetLife, Foremost, National General, and Harleysville. It also caters to individuals applying for insurance products for their boats, yachts, motorcycles, recreational vehicles, and classic cars. This company also specializes in writing insurance policies for restaurants around the community. Bradford-Sutcliffe Insurance is the endorsed agent of KFC Northeast Franchise Association.

Warwick Rating

Why choose this provider?

The Insurance Store Inc. provides risk management services to clients residing in Rhode Island. It helps its customers apply for the best homeowners' insurance plans that cover properties' replacement or repair expenses in case of damage. The business also carries health and life insurance to protect policyholders' and their families' future finances and living conditions. Its team serves business owners who need coverage for their commercial properties and employees. The agency has been in operation since 1993.

Warwick Rating

Why choose this provider?

McLane Insurance has been providing services to individuals, families, and businesses in the Rhode Island area since 1979. This agency offers the best homeowners' insurance policies covering the repair, replacement, and restoration expenses of broken or lost belongings or damaged properties due to natural disasters, fire, theft, and vandalism. It also serves individuals applying for auto, motorcycles, boats, and business insurance. Its also team handles life and annuities insurance products. McLane Insurance has three offices around the community.

Pawtucket Rating

Why choose this provider?

Chatterton Insurance, Inc., is a family-owned firm that has been serving Rhode Island since 1924. It offers the best selection of personal insurance products for homes, rental properties, condos, watercraft, auto, and ATV. It also assists individuals in applying for flood and earthquake insurance to protect their finances and restore damaged properties in case of disasters. Its current president, Allen H. Chatterton III, is an independent insurance agent who uses his experience in general and risk management to address clients� insurance needs.

Whitinsville Rating

Review Sources

5.0 (16)
5.0 (7)
5.0 (1)

Why choose this provider?

Wiersma Insurance Agency LLC is a family-run business that has been providing the best services to clients in Rhode Island communities since 1975. It offers homeowners' insurance plans that include theft, fire, and personal injury lawsuit coverage to help clients protect their families, finances, and properties. Its founder, Leo Wiersma, previously worked at Allstate and Utica Mutual before establishing the agency. It is a member of Renaissance Alliance and the MA Association of Insurance Agents.

Warwick Rating

Why choose this provider?

Annarummo & Associates Insurance Agency provides risk management services for individuals and business owners in Rhode Island. It carries the best personal insurance products, such as policies for homeowners. It also has coverages for tenants and condominiums, as well as cars and motorcycles. Its team handles business insurance policies that involve workers� compensation, life, and long-term care plans. Annarummo & Associates is a family-owned and family-operated business that brings over two decades of experience in the industry.

Providence Rating

Why choose this provider?

Burns and Cotter Insurance provides services in Rhode Island. It guides individuals in applying for the best homeowners' insurance plans covering the repair and replacement expenses in restoring their properties or personal belongings after disasters, theft, or vandalism. These homeowners insurance plans also include the hotel expenses of policyholders and their families if their homes become damaged due to fire or storms. The company�s current vice president and general manager, Deb Kenny, brings more than 23 years of experience in the industry.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Andrews Insurance Agency
450 Armistice Boulevard, Pawtucket, RI 2861
Bradford-Sutcliffe Insurance
511 Putnam Pike, Greenville, RI 2828
The Insurance Store Inc.
1935 Elmwood Avenue, Warwick, RI 2888
McLane Insurance
2914 Post Road, Warwick, RI 2886
Chatterton Insurance, Inc.
150 Main Street, Pawtucket, RI 2860
Wiersma Insurance Agency LLC
781 Main Street, Whitinsville, MA 1588
Annarummo & Associates Insurance Agency
808 Main Avenue, Warwick, RI 2886
Burns & Cotter Insurance
206 Waterman Street, Providence, RI 2906


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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