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2025

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Best Homeowners Insurance Agencies in Pawtucket, RI

Our Recommended Top 10

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

50Reviewed

34Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Pawtucket
450 Armistice Boulevard, Pawtucket, RI 02861

Expertise.com Rating

Review Sources

Google
4.5 (35)
Facebook
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Andrews Insurance Agency has served Pawtucket residents and businesses since 1983. It offers homeowners' insurance that financially safeguards the house and belongings by paying for the actual cash value or replacement cost of the properties. The policies protect against damages caused by covered events, which can include fire, lightning, hail, theft, vandalism, and drain backup. Liability protection is also part of the policy, serving as protection from claims for other's property damage or injury to others. Andrews Insurance Agency also has insurance products for different residential structures, such as condos and multi-family homes.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Pawtucket
511 Putnam Pike, Greenville, RI 02828

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (3)

Why choose this provider?

Bradford-Sutcliffe Insurance is a local agency that has served the insurance needs of businesses and individuals located in Pawtucket and surrounding areas since 1957. It works with insurance carriers, such as Progressive, MetLife, and Hagerty to design home insurance policies for homeowners, tenants, and mobile homes. The agency provides additional insurance coverage for protecting fine art, antique cars, and expensive jewelry from disasters and theft. Bradford-Sutcliffe Insurance also insures recreational vehicles, yachts, motorcycles, and restaurants.

  • Personal Property Insurance
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Pawtucket
279 Dexter Street, Pawtucket, RI 02860

Expertise.com Rating

Review Sources

Google
4.9 (582)
Facebook
5.0 (127)
Yelp
5.0 (7)

Why choose this provider?

Loiselle Insurance Agency is a family-focused homeowners' insurance agency in Pawtucket that has been around since 1943. With more than 70 years of industry experience, it gives coverage options to individuals and families who want to protect their investments. This agency's homeowners' insurance policy generally covers personal possessions, the physical structure of the house, and liability. The policy can also be personalized by adding fine arts rider, jewelry theft floater, and earthquake coverage. Other personal and business insurance are available.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Pawtucket
1401 Newport Avenue, Pawtucket, RI 02861

Expertise.com Rating

Review Sources

Google
4.3 (28)
Facebook
5.0 (11)
Yelp
3.0 (2)

Why choose this provider?

Since 1903, Butler & Messier Insurance has served individuals and businesses in Pawtucket and surrounding areas with personal and commercial insurance lines. The insurance agency writes comprehensive homeowners' insurance that financially protects residential properties from damages and theft. To guarantee that clients receive full coverage for their homes, the agents conduct a regular evaluation of the insurance during the year. The agents also check what credits and discounts could be applied to the policy based on several factors, including burglar or fire alarm systems, nonsmoker credit, loss-free credits, among others.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Best Homeowners Insurance Agencies Serving Pawtucket
206 Waterman St, Providence, RI 02906

Expertise.com Rating

Review Sources

Google
4.8 (22)

Why choose this provider?

Burns & Cotter Insurance is a personal and commercial insurance agency that offers homeowners' coverage to clients in Pawtucket. Its policies cover common perils, including natural disasters such as wind, rain, and lightning, or sudden instances of theft and fires. It covers repairs for damaged structures such as windows and locks, select personal belongings such as collectibles, and additional living expenses in the event of a complete loss. With more than 100 years of combined experience, Burns & Cotter agents also counsel clients on the scope and cost of their plans.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Pawtucket
362 Rathbun Street, Woonsocket, RI 02895

Expertise.com Rating

Review Sources

Google
4.5 (35)
Facebook
4.3 (26)

Why choose this provider?

Soucy Insurance Agency is located near Pawtucket. It offers homeowners insurance policies, as well as a variety of other personal insurance lines to help clients protect their financial health. Carriers this agency works with include Mercury Insurance, Foremost Insurance Group, and Liberty Mutual. Its agents work directly with clients throughout the duration of their policy, helping them complete their insurance purchase, navigate the claims process, and make policy changes whenever needed.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Best Homeowners Insurance Agencies Serving Pawtucket
150 Main Street, Pawtucket, RI 02860

Expertise.com Rating

Review Sources

Facebook
4.9 (16)
Google
4.8 (6)

Why choose this provider?

Chatterton Insurance, Inc. is a family business in Pawtucket that has been providing risk management and insurance solutions since 1924. It offers a wide range of personal and business insurance products, including homeowners insurance. Whether the client has a mortgage on their house or not, homeowners' insurance policy comes with benefits for financial protection against natural disasters and events. This business also carries condo and renters insurance and other business services such as professional liability and auto insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Best Homeowners Insurance Agencies Serving Pawtucket
33 Main Street, Upton, MA 01568

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Rutfield Insurance offers a variety of personal insurance products, including homeowners insurance. Serving clients in the Pawtucket area, its agents help homeowners by determining how much insurance they need and what types of policies they should be searching for. They then obtain quotes from multiple carriers to help clients find the best coverage at the lowest rates. Other types of insurance this agency sells include auto, life, and business insurance.

  • Multiple Carriers
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Pawtucket
781 Main Street, Whitinsville, RI 01588

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Wiersma Insurance Agency LLC is based in the Pawtucket area. This independently owned and operated insurance company helps clients obtain adequate insurance coverage for their homes, vehicles, and other personal property. Its agents shop around on behalf of clients to obtain quotes from top carriers, including Progressive, Farmers, and Mercury Insurance. They then offer advice as to which policies are best suited to clients' needs, as well as which ones offer the best value.

  • Multiple Carriers
  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Pawtucket
Smith Street, North Providence, RI 02911

Expertise.com Rating

Review Sources

Facebook
5.0 (79)
Google
4.9 (35)
Yelp
1.0 (2)

Why choose this provider?

Zelano Insurance Agency is a family-owned and locally-operated insurance company that has been providing its services for more than 55 years. It serves Pawtucket and the surrounding areas. The company's homeowners' insurance policy provides protection for the home, the items inside, and the property from accidents and damages like fire and weather. It will protects the home from incidents like theft and injuries as it includes homeowners' liability. It also covers renters' insurance and condo insurance.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Andrews Insurance Agency
450 Armistice Boulevard, Pawtucket, RI 02861
Bradford-Sutcliffe Insurance
511 Putnam Pike, Greenville, RI 02828
Loiselle Insurance Agency
279 Dexter Street, Pawtucket, RI 02860
Butler & Messier Insurance
1401 Newport Avenue, Pawtucket, RI 02861
Burns & Cotter Insurance
206 Waterman St, Providence, RI 02906
Soucy Insurance Agency
362 Rathbun Street, Woonsocket, RI 02895
Chatterton Insurance, Inc.
150 Main Street, Pawtucket, RI 02860
Rutfield Insurance
33 Main Street, Upton, MA 01568
Wiersma Insurance Agency LLC
781 Main Street, Whitinsville, RI 01588
Zelano Insurance Agency
Smith Street, North Providence, RI 02911

Pawtucket, RI Homeowners Insurance Agency FAQs

  • What types of incidents or situations are typically excluded from coverage by homeowners insurance in Pawtucket?

    Your homeowners insurance in Pawtucket does not provide coverage for damage caused by natural flooding, and it also excludes damage resulting from earthquakes. Additionally, these are the other types of disasters and incidents not covered by standard homeowners insurance:

    • Sewer breaks and backups.
    • Neglect by the homeowner in maintaining the property.
    • Infestation or damage caused by insects and pests.
    • Damage to privately owned vehicles parked on the premises.
    • Losses related to business activities.
    • Deliberate or malicious acts against others.
  • Do homeowners insurance companies in Pawtucket also offer the possibility of bundling home insurance with auto insurance?

    In Pawtucket, several insurance companies provide the option to combine your homeowners insurance and auto insurance for potential savings. It's a good idea to inquire with your insurance provider about their bundling options. Through bundling, you could potentially qualify for a reduced rate on your homeowners insurance policy.

  • When should one consider filing a homeowners insurance claim in Pawtucket?

    Only file a homeowners insurance claim in Pawtucket when it's absolutely necessary because it may not be the most cost-effective choice to submit a claim for minor home damages. However, if your property experiences significant damage due to a major storm, fire, or a burst pipe, there's no doubt that you should go ahead and file an insurance claim.

  • What can you do if you've been repeatedly denied homeowners insurance in Pawtucket?

    In the event that your application for homeowners insurance in Pawtucket has been declined repeatedly, you can obtain the Fair Access to Insurance Requirements Plan through any private property insurance provider of your choice. You must have received rejections from three separate insurance companies to qualify for applying to the FAIR Plan. A representative from FAIR will perform a property inspection to determine your eligibility.

  • What strategies can you employ to reduce your homeowners insurance premium in Pawtucket?

    To lower your Pawtucket homeowners insurance premium, consider these steps:

    • Enhance home safety with fire extinguishers, deadbolts, or a security system.
    • For those aged 55 and above, inquire about senior citizen discounts.
    • Ensure you're insuring your home's structure, not the land beneath it, to avoid unnecessary costs.
    • Compare quotes from leading insurers.
    • Raise your deductible.

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