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2024

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Best Homeowners Insurance Agencies in Cranston, RI

Our Recommended Top 14

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Cranston 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.

60Reviewed

41Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1900 Pawtucket Avenue, East Providence, RI 02915

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Platinum Insurance helps clients in the Cranston metro area to purchase homeowners insurance. Its agents sell policies that protect clients from financial losses if their personal property or dwellings themselves are damaged or destroyed by natural disasters or theft and vandalism. It also helps to protect clients from liability by selling them insurance that covers medical costs if anyone is injured on their property. Platinum Insurance offers commercial insurance and auto insurance too.

  • Personal Property Insurance
  • Multiple Policy Types

870 Oaklawn Ave, Cranston, RI 02920

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Capital City Insurance Agency LLC is a full-service insurance firm that serves the Cranston metro area and nearby localities. The company provides individuals with coverage options for a homeowners insurance policy. These include dwelling coverage, personal property protection, scheduled property, and homeowners liability. The firm's home insurance plans also extend to mobile homes, rental properties, condominiums, and in-home businesses. Other offerings include auto, health, life, recreational, and commercial coverages. The company also provides services like financial planning, retirement plans, and profit sharing.

  • Personal Property Insurance
  • Multiple Policy Types

994 Willett Ave, Riverside, RI 02915

Expertise.com Rating

Review Sources

Google
4.6 (20)
Yelp
4.5 (2)

Why choose this provider?

McLane Insurance is a firm that focuses on helping Cranston area residents secure financial protection for their homes and belongings. The agency offers assistance in securing coverage for property damages resulting from events such as fires and natural disasters. McLane Insurance also helps homeowners determine policies for personal liabilities, vandalism and theft, and damages brought by earthquakes and floods. The firm has been in the insurance sector since 1979 and also handles business, auto, and life insurance issues.

  • Personal Property Insurance
  • Multiple Policy Types

238 Robinson Street, Wakefield, RI 02879

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Gates Insurance Agency is an insurance provider in Cranston and the surrounding locations. It mitigates losses and manages risks for owned or rented homes against vandalism, theft, or fire. Structural coverage protects the actual dwelling, while personal belongings coverage protects items within the home. Insured homeowners are protected against lawsuits if visitors are injured within the property, and added living expenses are given when the insured home is uninhabitable due to covered events. Gates Insurance Agency was established in 1964 and is known for long-standing client relations.

  • Personal Property Insurance
  • Multiple Policy Types

839 North Main Street, Providence, RI 02904

Expertise.com Rating

Review Sources

Google
4.3 (10)
Yelp
1.0 (1)

Why choose this provider?

Lefebvre Insurance Agency is an independent agency serving the Cranston area. It offers a wide range of insurance policies including homeowners insurance. The agency represents a diverse portfolio of insurance carriers including American Modern, CNA, Western Heritage, Progressive, and Philadelphia Insurance Companies. Depending on the client's unique needs and circumstances, a homeowners' insurance policy may cover property damages, loss of personal belongings, liability claims, and medical expenses. The business also offers landlord insurance policies.

  • Personal Property Insurance
  • Multiple Carriers

808 Main Avenue, Warwick, RI 02886

Expertise.com Rating

Review Sources

Google
5.0 (7)
Yelp
4.0 (2)

Why choose this provider?

Annarummo & Associates Insurance Agency has been helping the Cranston community with their insurance needs for over 20 years. The agency offers homeowners insurance and other personal insurance solutions along with a variety of business insurance. Its professional agents search for the best insurance policy in the market that will suit their clients' needs and budget. Annarummo & Associates Insurance Agency serves the whole of Rhode Island and it represents insurance companies like MetLife, Providence Mutual, Travelers, and Progressive.

  • Multiple Policy Types

333 Centerville Rd, Warwick, RI 02886

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
5.0 (3)

Why choose this provider?

The Slocum Agency, Inc., offers insurance options to residents and business property owners in Cranston and the rest of the region. The homeowners' insurance policy provides financial protection in three main categories. The categories include house structure protection, coverage for personal belongings, and liability protection against lawsuits filed by someone injured while on the client's property. The policy is also required if the client has a mortgage. The company has been in the insurance industry since 1949.

  • Personal Property Insurance
  • Multiple Policy Types

206 Waterman Street, Providence, RI 02906

Expertise.com Rating

Review Sources

Google
4.8 (22)

Why choose this provider?

The professionals at Burns & Cotter Insurance walk clients through designing insurance policies to address the risks associated with owning a home. This firm has been serving homeowners in Cranston for more than five decades. Its agents coordinate with many reputable carriers in the industry to help ensure that clients acquire comprehensive coverages at competitive rates. They can help families and individuals prepare for theft and natural calamities. The company's homeowners' insurance plan covers loss of use expenses as well.

  • Multiple Policy Types

1 Harry Street, Cranston, RI 02907

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
3.5 (4)

Why choose this provider?

The agents at Cormack-Routhier Agency, Inc. are dedicated to serving individuals and families in Cranston. The firm has been providing homeowners' insurance solutions for more than 60 years and has built a network of reputable carriers, including Travelers Insurance, Nationwide Insurance, and Selective Insurance. Its professionals compare rates and policies from more than 50 providers, helping clients select one that best suits their budget and property. They can also help homeowners who want to purchase supplemental coverage for builder's risks.

  • Multiple Policy Types

1249 Oaklawn Avenue, Cranston, RI 02920

Expertise.com Rating

Review Sources

Google
5.0 (24)

Why choose this provider?

Gregg Larson - Allstate Insurance Agent has been providing clients in Cranston and nearby areas with various insurance options. One of the insurance products Larson offers is home insurance that protects the clients' dwelling, their family's liability, personal possessions, and other structures within their property from both weather and non-weather disasters. He also provides his clients with homeowners insurance quotes and tailors their coverage based on their needs and budget. Larson has over 20 years of experience in the insurance industry.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

1935 Elmwood Avenue, Warwick, RI 02888

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

The Insurance Store Inc. sells homeowners insurance policies near Cranston. This company consults clients that need homeowners insurance and advises them on their options while presenting a variety of quotes from multiple carriers. It helps clients to secure coverage for their homes and cover any liabilities they might have as homeowners should anyone be harmed on their property. The Insurance Store Inc. also offers policies for renters insurance and condo insurance.

  • Multiple Policy Types

897 Reservoir Avenue, Cranston, RI 02910

Expertise.com Rating

Review Sources

Google
4.5 (8)
Yelp
4.0 (3)

Why choose this provider?

Jean Martin Insurance is a Cranston-based agency founded in 1976 to provide personal and business insurance to the local community. One of the insurance products the agency offers is homeowners insurance that is designed for those who own or rent a house or condominium. Homeowners insurance protects the clients' dwelling from unexpected damage and gives them personal liability coverage in an event that someone gets injured on their property. Jean Martin Insurance also offers other insurance products like auto, business, and life insurance.

  • Multiple Policy Types

407 Pontiac Ave, Cranston, RI 02910

Expertise.com Rating

Review Sources

Google
4.5 (4)

Why choose this provider?

Bartoon Insurance Group, Inc., offers a range of commercial and personal insurance products in Cranston. This family-owned agency represents different insurance providers, including AIG, Foremost Insurance Group, and MetLife, and helps homeowners find the most applicable home insurance plans. Its insurance advisors guide homeowners on the insurance process, identify risky areas, and determine appropriate coverage packages that match clients' goals. This financial coverage includes contents and building loss or damage, whether due to fire, vandalism, theft, hail, and other disasters.

  • Multiple Policy Types

1935 Elmwood Avenue, Warwick, RI 02888

Expertise.com Rating

Review Sources

Google
4.9 (9)
Facebook
5.0 (2)

Why choose this provider?

Brook Insurance Associates, LLC, is an independent insurance agency that assists Cranston residents in finding the right homeowner insurance that will cover all their needs and risks according to their budget. Homeowners insurance helps clients protect their homes financially in case of loss. The agency provides quotes and also offers homeowners insurance that is packaged with auto insurance or flood insurance. Brook Insurance Associates also provides business, commercial, and health insurance. Its services are available to the whole of Rhode Island.

  • Renter's Insurance
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Platinum Insurance
1900 Pawtucket Avenue, East Providence, RI 02915
Capital City Insurance Agency, LLC
870 Oaklawn Ave, Cranston, RI 02920
McLane Insurance
994 Willett Ave, Riverside, RI 02915
Gates Insurance Agency
238 Robinson Street, Wakefield, RI 02879
Lefebvre Insurance Agency
839 North Main Street, Providence, RI 02904
Annarummo & Associates Insurance Agency
808 Main Avenue, Warwick, RI 02886
The Slocum Agency, Inc
333 Centerville Rd, Warwick, RI 02886
Burns & Cotter Insurance
206 Waterman Street, Providence, RI 02906
Cormack-Routhier Agency, Inc.
1 Harry Street, Cranston, RI 02907
Gregg Larson - Allstate Insurance Agent
1249 Oaklawn Avenue, Cranston, RI 02920
The Insurance Store Inc.
1935 Elmwood Avenue, Warwick, RI 02888
Jean Martin Insurance
897 Reservoir Avenue, Cranston, RI 02910
Barton Insurance Group, Inc.
407 Pontiac Ave, Cranston, RI 02910
Brook Insurance Associates, LLC
1935 Elmwood Avenue, Warwick, RI 02888

FAQs

  • 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.
  • Can you get a specialized homeowners' insurance policy if you operate a business from home in Cranston?

    Yes, some insurance providers offer specialized policies for homeowners who run businesses from their residences in Cranston. These homeowners' policies can provide the necessary coverage for your home-based business activities. Among the special considerations are provisions for high-value items, such as jewelry or collections, replacement cost assessment, and personal liability coverage.

  • How do homeowners' insurance rates in Cranston compare to the state average?

    In Cranston, homeowners' insurance rates average $1,225 annually, representing a 2% decrease compared to the state average. Notably, Slocum City boasts the lowest rates in Rhode Island, with an average annual cost of $1,115, which is $137 below the state average. On the other hand, Adamsville, located near the Massachusetts border, has the highest rates at $1,326 per year, surpassing the state average by $74.

  • What are some common exclusions in Cranston homeowners' insurance policies?

    In Cranston, homeowners' insurance does not cover natural flooding or earthquake damage, given their rarity in the state. However, several other common exclusions apply, including damage resulting from property neglect, business-related losses, pest infestations, intentional malicious acts, damage to personal vehicles stored on the property, and sewer breaks and backups. To ensure comprehensive protection, homeowners should review their policies and consider additional coverage options for these excluded scenarios.

  • How do homeowners' insurance providers in Cranston handle trampolines?

    Homeowners' insurance providers may cancel your policy, add exclusions for trampoline injuries, or require safety netting installation. Some choose not to disclose the trampoline to avoid premium increases, but insurers may discover it during home inspections, leading to policy termination. Check with your insurance company in Cranston before getting a trampoline to understand its impact on coverage and premiums.

  • What are the potential savings from bundling auto and homeowners' insurance in Cranston?

    Bundling your auto and homeowners' insurance in Cranston can lead to potential savings of up to 20%. However, this lowers costs and allows you to manage both policies through a single insurance agent. An insurance company can help you navigate the complexities and identify the most cost-effective policies with the best coverage.

  • 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.

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