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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.

608Reviewed

368Curated

8Top Picks

Learn about our selection process.

Providers

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Best Homeowners Insurance Agencies Serving Rhode Island
Warwick

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Rhode Island
Providence

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Rhode Island
Greenville

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Rhode Island
Pawtucket

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Rhode Island
Warwick

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Rhode Island
Whitinsville

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
5.0 (7)
Yelp
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.

Best Homeowners Insurance Agencies Serving Rhode Island
Warwick

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Rhode Island
Pawtucket

Expertise.com Rating

Review Sources

Google
4.6 (46)
Facebook
5.0 (18)
Yelp
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.

Compare our Top Homeowners Insurance Agencies

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

Rhode Island Homeowners Insurance Agency FAQs

  • What are the insurer's options for homeowners' insurance scoring when a Rhode Island homeowner has insufficient credit history?

    If a homeowner in Rhode Island has an insufficient credit history, their insurer has three options to generate homeowners' insurance scores. Firstly, they can choose to rate the risk based on a neutral or average insurance score. Secondly, they can exclude the use of insurance scores, relying solely on other criteria. Another option is to adhere to established underwriting guidelines or filed rating criteria.

  • In Rhode Island, can an insurer make exceptions to insurance rates and rules for consumers affected by specific events that impact their credit history?

    Yes, in Rhode Island, insurers using insurance scores must provide reasonable exceptions upon written request from applicants or insured individuals. These exceptions can apply to rates, rating classifications, tier placement, or underwriting rules. They are available to consumers who have experienced events such as serious illness, death of a family member, divorce, involuntary job loss over three months, military deployment overseas, identity theft, catastrophic declarations, or other events determined by the insurer.

  • What are the legal consequences of homeowners' insurance fraud for Rhode Island contractors?

    Contractors who are found guilty of committing homeowners' insurance fraud in Rhode Island may suffer serious repercussions. They might be sentenced to 10 years in prison and face penalties of up to $65,000. Violators might also receive a 10-year probationary period. The state's Attorney General's office has implemented these rigorous measures to prevent contractors from exploiting homeowners.

  • Does homeowners' insurance in Rhode Island cover damage caused by wild animals like turkeys?

    Homeowners' insurance in Rhode Island does not cover damage caused by wild animals like turkeys. Residents experiencing such scenarios may find their insurance claims denied as standard homeowners' insurance policies typically exclude coverage for bird damage, among other types, such as rodents and insects. It's essential for homeowners to review their insurance policies and be aware of clauses or exclusions related to wildlife damage to avoid unexpected expenses.

  • How do homeowners' insurance deductibles work in Rhode Island?

    Homeowners' insurance deductibles in Rhode Island operate as follows: Policyholders must contribute an initial sum for each covered claim. For example, with a $1,000 deductible and a $4,000 claim, the policyholder covers the initial $1,000, and the insurer reimburses the remaining $3,000. Note that homeowners' insurance policies are not required to include a deductible. If a hurricane deductible doesn't apply, a standard policy deductible may be used instead. Additionally, property insurance policies don't allow windstorm deductibles.

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