ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find Home Insurance Agents Near You in Narragansett, RI
Looking for a home insurance agent in Narragansett? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Narragansett, RI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Rhode Island before hiring.
Showing 3 home insurance agents in Narragansett, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
AAA Narragansett
14 Woodruff Ave, Narragansett, RI 02882
(401) 789-3000
branches.northeast.aaa.com
Chad Dupuis, Realtor Narragansett
1182 Boston Neck Rd, Narragansett, RI 02882
(401) 261-2218
homes4saleinsouthcounty.com
Sunshine Insurance RI
120 Point Judith Rd, Narragansett, RI 02882
(401) 213-1307
Home insurance agents in Narragansett help homeowners protect their properties against coastal storms and flooding common to Rhode Island. Rhode Island law requires insurers to offer coverage for windstorm perils in coastal areas. An agent can explain local policy options and help you meet mortgage requirements.
What Does a Home Insurance Agent in Narragansett Cost?
Home insurance premiums in Rhode Island average between 1,200 and 2,500 dollars per year for a standard policy but costs in Narragansett can be higher due to coastal exposure. Windstorm deductibles often range from 1 to 5 percent of the dwelling coverage amount. Flood insurance adds 700 to 1,500 dollars annually depending on flood zone and coverage level. These figures are estimates and actual costs vary by property value location and coverage choices. This is general information not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need flood insurance in Narragansett Rhode Island?
Flood insurance is not required by Rhode Island state law but is often required by mortgage lenders for properties in high-risk flood zones. Narragansett has several flood-prone areas near the coast. Standard home insurance policies do not cover flood damage so a separate policy from the National Flood Insurance Program is needed.
What does a home insurance agent do in Rhode Island?
A home insurance agent in Rhode Island helps you compare policies from different carriers and explains coverage limits deductibles and exclusions. They can advise on Rhode Island specific issues like windstorm deductibles and coastal property surcharges. Agents also assist with filing claims and updating coverage after renovations.
How do I choose a home insurance agent in Narragansett?
Look for an agent licensed in Rhode Island who has experience with coastal properties. Ask about their knowledge of local wind and flood risks. Check online reviews and ask neighbors for recommendations. A good agent will explain policy terms clearly and help you find coverage that fits your budget.
Free • No Obligation
Compare Home Insurance Agents
Get matched with agents in Narragansett who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Rhode Island.