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Compare Landlord Insurance Agents in Narragansett, RI
Directory of landlord insurance agents in Narragansett, Rhode Island. Verify credentials with the state department of insurance before hiring.
2 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 2 landlord 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
Sunshine Insurance RI
120 Point Judith Rd, Narragansett, RI 02882
(401) 213-1307
Landlord insurance agents in Narragansett help property owners secure coverage for rental homes near the coast. Rhode Island law requires landlords to maintain certain property standards, and a local agent can explain how policies address liability, dwelling protection, and loss of rental income. Working with an agent familiar with Narragansett flood zones and seasonal rental patterns ensures your policy matches local risks.
What Does a Landlord Insurance Agent in Narragansett Cost?
Typical landlord insurance costs in Rhode Island range from 800 to 2,500 dollars per year for a single family rental property. Rates depend on property location, coverage limits, and flood zone designation. Narragansett properties near the water may have higher premiums due to storm risk. This is general information and 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
What does landlord insurance cover in Narragansett Rhode Island?
Landlord insurance typically covers the dwelling structure, liability protection, and loss of rental income. In Rhode Island, policies may also include coverage for flood or wind damage, which is important for properties near the coast. An agent can help you add endorsements for specific local risks.
Do I need landlord insurance for a seasonal rental in Narragansett?
Yes, seasonal rentals still require landlord insurance to cover liability and property damage. Rhode Island law does not exempt short term rentals from standard landlord responsibilities. An agent can adjust the policy for periods when the property is vacant.
How does Rhode Island law affect landlord insurance requirements?
Rhode Island landlords must comply with state habitability laws and disclose lead paint risks for pre 1978 buildings. Insurance policies often require proof of these disclosures. An agent can help you understand how your coverage aligns with state statutes like the Rhode Island Residential Landlord and Tenant Act.
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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.