Personal Insurance Built Around Your Life in Rhode Island

Rhode Island living comes with its own risks — Narragansett Bay at your back door, hurricane season on the horizon, and a home that's likely your largest asset. We help you cover all of it, without the guesswork.

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One Agent Who Sees Your Full Picture

Most people come to us about one thing — a new car, a home purchase, a boat they just bought — and leave with coverage they didn't know they were missing. That's not upselling. It's what happens when an agent reviews your full personal risk profile instead of just processing the policy you called about.


We've spent 40 years working with Rhode Island families, and we've seen the gaps that cost people the most. Our job is to make sure none of those gaps belong to you.

Personal Coverage for Every Part of Rhode Island Life

Whether you own a colonial in Cranston, a condo in Providence, or a 26-foot Boston Whaler you keep in Wickford, there's a right way to cover it — and a wrong way to find out you didn't. Browse the coverage types below or reach out if you're not sure where to start.

Flood Insurance

Homeowners policies don't cover flooding — not from storms, not from rising water, not from any source. In a coastal state like Rhode Island, that gap matters.

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Auto Insurance

Coverage for your everyday vehicle, built around how you actually drive in Rhode Island — not a one-size rate from a call center.

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Classic Auto Insurance

Agreed value coverage for the vehicles you've put real time and money into. Standard auto policies weren't written with collector cars in mind.

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Homeowners Insurance

Standard homeowners policies weren't written for homes with custom finishes, fine art, or replacement costs that exceed standard carrier limits. We place high-value homes with carriers built for them.

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Condo Insurance

Your HOA covers the building. Your policy covers everything inside it — and the liability that comes with it.

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Boat Insurance

Narragansett Bay is one of the best sailing and boating destinations on the East Coast. It also comes with real exposure. We write boat coverage for Rhode Island's coastal conditions — not inland lake policies dressed up for salt water.

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RV Insurance

Your RV needs coverage that travels with you — not a policy that treats it like a parked vehicle.

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Personal Umbrella Insurance

When your auto or homeowners liability limit runs out, a personal umbrella picks up where it left off. For most Rhode Island families, it's the most affordable coverage they'll never regret having.

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Flood Insurance

Homeowners policies don't cover flooding — not from storms, not from rising water, not from any source. In a coastal state like Rhode Island, that gap matters.

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We Re-Shop Your Coverage at Renewal — You Just Review

If you've been with the same carrier for several years and haven't compared rates recently, there's a reasonable chance you're overpaying. Loyalty to a carrier doesn't come with a discount — but having an independent agent does.


At renewal, we run your coverage across our network of 20+ top-rated carriers, including Travelers, Nationwide, Allstate, Progressive, and Safeco. If a better option exists, we find it. If your current carrier is still the right fit, we tell you that too.



  • Access to 20+ top-rated carriers across personal lines
  • Re-shopped at renewal — no action required on your part
  • Coverage compared on value, not just premium
  • One agent who knows your full account, not a rotating call center
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Common Questions About Personal Insurance in Rhode Island

  • What types of personal insurance do most Rhode Island homeowners need?

    Most Rhode Island homeowners carry at minimum a homeowners policy, auto insurance, and some form of liability protection. Depending on where you live and what you own, flood insurance and a personal umbrella policy are worth serious consideration. We review your full situation before making any recommendations.

  • Does homeowners insurance cover flood damage in Rhode Island?

    It does not. Flood damage from storm surge, heavy rain, or rising water is excluded from standard homeowners policies. Separate flood coverage is available through the National Flood Insurance Program and certain private carriers. Given Rhode Island's coastal geography, this is a gap we discuss with most of our homeowners clients.

  • Can I bundle my home and auto insurance in Rhode Island to save money?

    In many cases, yes — bundling home and auto insurance with the same carrier can reduce your total premium. Because we work with more than 20 carriers, we can compare bundled and unbundled options side by side to find the combination that actually saves you money rather than assuming a bundle is always the better deal.


  • How do I know if I'm over- or under-insured on my current policies?

    The honest answer is that most people don't know — and their current carrier has no incentive to tell them. We review your existing coverage as part of any new quote conversation. If something looks off, we say so.

  • Do you serve all of Rhode Island, or just Providence?

    We serve all of Rhode Island. The state is 32 miles wide, and we've been working with clients from Providence to Westerly, Woonsocket to Newport, for more than 40 years. Distance has never been a barrier.

Not Sure What Coverage You Actually Need?

That's the most common place to start. Rhode Island's mix of coastal exposure, older housing stock, and year-round recreation means personal coverage looks different from one household to the next. A short conversation is usually all it takes to sort out what makes sense for your situation.