Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Providence

Our Recommended Top 6

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 Providence 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.

103Reviewed

64Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1598 Smith Street, North Providence, RI 02911
  • Condos
  • Flood
  • Fire
  • Earthquake

Why choose this provider?

Zelano Insurance Agency is a family-owned and -operated company with an office in North Providence. The agency offers various insurance plans for homeowners including property insurance, condo insurance, scheduled property insurance, landlords' insurance, renters' insurance, and homeowners' liability. The insurance specialist provides protection for more than 10,000 apartment and condo complexes. Aside from home insurance, Zelano Insurance Agency offers auto insurance, life insurance, commercial auto insurance, and workers' compensation. The company has been in service for over five decades.

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 (33)
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
400 Massasoit Ave STE 104, East Providence, RI 02914-2040
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

The Shannon Agency is a local insurance agency that has been providing Providence-based clients customized homeowners' insurance policies to protect homes, condominiums, and vacant buildings. It works with various trusted providers, such as National™, Grange™, Progressive®, and Metro™, to deliver policies that suit the unique needs of each client. Its insurance agents also offer shipping companies commercial truck insurance, allowing its motor carriers to have the authority to transport goods.

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.
4.2
Google
4.2 / 5 (5)

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
839 North Main Street, Providence, RI 02904
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Condos
  • Renter's Insurance

Why choose this provider?

Lefebvre Insurance Agency is an insurance firm providing insurance products and services to Providence. It offers customized homeowners' insurance policies, taking into consideration the clients' situation, their current coverage, and the coverage they require. Its professional agents specialize in reviewing portfolios and helping clients determine which markets suit their needs the best. It also offers a wide selection of insurance products, including coverage for specific industries, farm insurance, and personal umbrella and identity theft. Lefebvre Insurance Agency is licensed in Rhode Island, Connecticut, and Massachusetts.

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.
4.0
Google
4.3 / 5 (10)
Yelp
1.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
100 Westminster Street, Providence, RI 02903
  • Multiple Carriers
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Paolino Insurance Agency, Inc. is a homeowners' insurance agency that has been serving families and individuals in Providence since 1950. Its agents help clients protect their homes and prepare for instances where the property owners might need to live somewhere else if their home needs to be repaired or renovated. They also welcome clients who want to add supplemental insurance policies to cover medical bills. This firm's homeowners insurance policies also cover condominium unit owners and tenants.

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
Google
5.0 / 5 (1)
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
194 Warren Avenue, East Providence, RI 02914
  • Renter's Insurance
  • Flood
  • Fire
  • Condos

Why choose this provider?

Established in 1988, The Agency Paiva is an independent agency that provides insurance products and coverage to clients in Providence who are looking to secure their homes. Its homeowners' insurance policies are designed to provide the coverage that the client needs and requires. It also provides a broad selection of auto, personal, business, and life insurance, as well as real estate services. The Agency Paiva is a member of the Independent Insurance Agents and Brokers of America and the Independent Insurance Agents of Rhode Island.

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.
4.3
Google
4.5 / 5 (18)
Yelp
1.0 / 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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1990 Pawtucket Ave, East Providence, RI 02914
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Platinum Insurance is a Providence-based insurance agency that helps its customers assess, manage, and plan for all potential risks. The agency provides umbrella policies and homeowners insurance policies. Home insurance can cover any structures, a homeowner's possessions and belongings, and even the homeowner themselves in cases of incidents occurring for which they are liable. Aside from homeowners insurance, Platinum Insurance also covers vehicles, businesses, lives, and health. Group insurance is also 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.
4.4
Google
4.2 / 5 (10)
Facebook
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

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.
  • Does traditional homeowners’ insurance policy cover eco-friendly and tiny homes in Providence?

    No. Providence residents who own eco-friendly and tiny homes may need to look for specialized coverage that fits the unique needs of their living situations. The good thing is that residential property improvements such as solar panels, geothermal heating systems, and rainwater collection tanks may reduce insurance premiums. Speaking with an insurance agent to explore all of the options available for homeowners is highly recommended.

  • What is the average cost of homeowners’ insurance in Providence?

    According to a study by Vhome Insurance, the average cost of homeowners' insurance in Providence is $1,090. This amount is notably below the national average premium of $1,438. Homeowners should consider deductibles, financial strength, and claims processing speed when selecting an insurance provider.

  • How much homeowners’ insurance coverage do people living in Providence need?

    The amount of homeowners' insurance coverage individuals living in Providence need is personal and can vary based on several factors, such as home value, personal belongings, and liability coverage. Purchasing extra endorsements might be necessary to make sure that homes and possessions are adequately protected.

  • Why do Providence residents need to purchase homeowners’ insurance?

    Providence residents are encouraged to purchase homeowners' insurance for several important reasons, such as property protection, mortgage requirements, and liability coverage. Without homeowners' insurance, people who own residential property in Providence might find themselves responsible for bearing the expenses of replacing or repairing their property after an incident.

  • What is the typical homeowners’ insurance cost for Providence residents with excellent credit scores?

    Providence homeowners with excellent credit scores typically pay $1,450 for homeowners' insurance. This amount stands at $1,163 below the mean expense for policyholders with poor credit scores. Those with unfavorable credit scores are burdened with higher annual expenditures for their home insurance. Among the various factors influencing insurance policy costs, credit information holds significance for insurance companies.

  • 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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