Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Warwick

Our Recommended Top 8

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 Warwick 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.

54

Reviewed

35

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
1350 Division Road, West Warwick, RI 02893
  • Multiple Carriers
  • Flood
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

World Insurance Associates LLC is an insurance brokerage that has been helping individuals and businesses in Warwick since 2012. It offers homeowners' insurance policies which commonly cover dwelling, personal property, and liability. Policies can also include other protections covering other structures, loss of use, vacant property, and disasters. Clients can choose whether their homeowners' policies will be named perils or open perils. The firm's knowledgeable advisors who have access to over 150 insurance carriers can help determine the right insurance solutions for them. World Insurance Associates also offers renters' 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.
4.0
Yelp
4.0 / 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.
4.3
Responsiveness
Friendliness
Helpfulness
Detail

Website
333 Centerville Road, Warwick, RI 02886
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

The Slocum Agency, Inc, is an independent insurance agency serving individuals and businesses in Warwick and the surrounding areas. Its agents offer insurance policies for homeowners to protect them from financial losses in case of unforeseen events that cause damage to the structure. They also provide coverage for personal belongings like electronics, furniture, items of value, and clothing, and provide liability protection in case someone gets injured within the premises.

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 (17)
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

Website
1935 Elmwood Avenue, Warwick, RI 02888
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Condos

Why choose this provider?

Brook Insurance Associates, LLC, is a Warwick-based independent insurance agency that helps people find the right homeowners insurance for them. The agency hopes to help its community protect their homes and their owners by presenting them with insurance policies with coverages that meet the clients' needs. It can also look for homeowners insurance that comes with auto or flood insurance. Brook Insurance Associates serves the whole of Rhode Island and also offers health, business, and life 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.
4.7
Google
4.6 / 5 (11)
Facebook
5.0 / 5 (2)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
PO Box 7552 91 Toll Gate Rd, Warwick, RI 02887
  • Renter's Insurance
  • Personal Property Insurance
  • Fire
  • Condos

Why choose this provider?

The Insurance Center is a local, independent agency that serves the insurance needs of homeowners in Warwick and the whole of Rhode Island. It offers tailored coverage for homeowners' insurance, which usually includes financial protection for the home and personal belongings within it in case of losses from accidents and calamities. This product also covers personal liability, additional living expenses, and medical expenses in case a guest is injured in the property. The agency has separate policies for renters' and landlords' insurance. It has been in business since 1973.

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
4.0 / 5 (4)

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
328 Cowesett Avenue, West Warwick, RI 02893
  • Renter's Insurance
  • Multiple Policy Types

Why choose this provider?

Graham Insurance Inc. is an independent insurance agency serving the Warwick community. The company's agents are committed to providing service in the form of properly identifying a client's needs as well as listening to their concerns. They offer homeowners' insurance policies that help prepare and protect a home from potential risks such as damage from natural disasters, theft, and accidents on the property. They also offer flood insurance and jewelry 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.
4.7
Google
4.9 / 5 (16)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
631 Main Street, East Greenwich, RI 02818
  • Personal Property Insurance

Why choose this provider?

Dacey Insurance Agency helps residents in the Warwick area determine suitable insurance policies to protect their homes in cases of unpredictable events. The firm assists homeowners in calculating replacement costs to identify adequate coverage levels as well as storm deductibles. Dacey Insurance Agency also guides clients through the process of securing optional coverage for equipment breakdown, water backup, and identity theft. The agency was founded in 2007 by Mike Dacey, who is also a certified public accountant.

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 (44)
Facebook
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
2914 Post Road, Warwick, RI 02886
  • Multiple Policy Types

Why choose this provider?

McLane Insurance has been providing businesses and families in Warwick and its surrounding regions with insurance policies since 1979. Its insurance agents offer homeowners' insurance solutions to give clients financial protection against unexpected disasters. The home insurance policy covers damage to property and legal responsibility or liability for injuries. The company's professionals also provide boat and motorcycle, auto, and business insurance services. McLane Insurance's carriers include MetLife, Nationwide, and Progressive.

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 (51)
Facebook
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
460 East Main Road, Middletown, RI 02842
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Located near Warwick, Newport Insurance Agency helps homeowners obtain adequate coverage for their properties and the contents they store inside. Its agents work directly with several top insurance carriers to obtain quotes for clients and offer advice as to which quote offers the best value. In addition to home insurance, this agency also sells policies to cover vehicles, businesses, and healthcare expenses. Newport Insurance Agency is a division of Starkweather & Shepley.

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

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.
2.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • 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.
  • Is insuring a mobile or manufactured home in Warwick the same as insuring a constructed home?

    Yes. Due to coverage availability, insuring a mobile or manufactured home in Warwick is the same as insuring a constructed home. Mobile or manufactured homes, like standard homes, can be insured for dwelling, medical and liability, personal property, and other structure coverage. This insurance can protect policyholders from financial losses caused by theft, visitor injuries, and natural disasters.

  • What should you do if you are a first-time homeowners' insurance buyer in Warwick?

    If you are a first-time insurance buyer in Warwick, you must compare quotes from multiple carriers to find the best insurance policies. You should also consider your rebuilding costs and liability coverage to ensure that your preferred coverage can cover repair and replacement costs if something goes wrong. You should also consider adding coverage for your valuable possessions, such as jewelry and musical instruments.

  • Is there a limit on additional living expenses coverage in Warwick?

    Yes, additional living expenses coverage in Warwick has a cap, so you must be careful not to live beyond your means if your home becomes uninhabitable. Extra living expenses coverage is typically set at 20% of your dwelling coverage. Maintain your normal standard of living by avoiding eating at expensive restaurants and overspending on groceries.

  • Does your Warwick homeowners' insurance cover a mailman who slips and falls on your front steps?

    Yes, your Warwick homeowners' insurance will cover the mailman's medical expenses if he falls on your house's steps. Personal liability insurance can protect you and your assets if you have to pay for someone else's injuries or property damage. You can also use this coverage to cover expenses if someone sues you for slander or libel.

  • When can you file a complaint against your homeowners' insurance carrier in Warwick?

    If your homeowners' insurance carrier fails to address your claim or offers low settlements, you can file a complaint in Warwick. They may also be held liable if they purposefully delay processing your insurance claims, request unnecessary documentation, conduct numerous harassing examinations, and make unsubstantiated arson claims in order to deny your insurance claim.

  • 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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