Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Pawtucket

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

Website
450 Armistice Boulevard, Pawtucket, RI 02861
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.5 / 5 (35)
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
150 Main Street, Pawtucket, RI 02860
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (16)
Google
4.8 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
279 Dexter Street, Pawtucket, RI 02860
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Earthquake
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (582)
Facebook
5.0 / 5 (127)
Yelp
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
781 Main Street, Whitinsville, MA 01588
  • Multiple Carriers
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
206 Waterman St, Providence, RI 02906
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1401 Newport Avenue, Pawtucket, RI 02861
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.3 / 5 (28)
Facebook
5.0 / 5 (11)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Smith Street, North Providence, RI 02911
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (79)
Google
4.9 / 5 (35)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
33 Main Street, Upton, MA 01568
  • Multiple Carriers
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
511 Putnam Pike, Greenville, RI 02828
  • Personal Property Insurance
  • Multiple Policy Types

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
362 Rathbun Street, Woonsocket, RI 02895
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

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.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.5 / 5 (35)
Facebook
4.3 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • 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.
  • 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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