The top-rated landlord insurance agent in Westerly, Rhode Island is Lathrop Insurance, rated 5.0 stars across 95 reviews. Other highly rated options include Meredith Goncalves | Rhode Island Realtor, Fallon Insurance Agency, Mansfield Insurance Agency. This directory lists 10 landlord insurance agents serving Westerly.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Lathrop Insurance | 33 Crestview Dr | (401) 596-2525 |
| 2 | Meredith Goncalves | Rhode Island Realtor | 26 Quannacut Rd | (845) 656-4541 |
| 3 | Fallon Insurance Agency | 43 Broad St # 3 | (401) 868-8265 |
| 4 | Mansfield Insurance Agency | 115 High St #1821 | (401) 596-2096 |
| 5 | Louis Panciera Insurance | 48 Main St | (401) 596-4977 |
| 6 | Neri Agency, Inc.: Allstate Insurance | 105 Franklin St Unit 29 | (401) 596-7770 |
| 7 | Thorp & Trainer | 107 Airport Rd | (401) 596-0146 |
| 8 | Schonning Insurance | 90 Airport Rd | (401) 348-2000 |
| 9 | Bouvier Insurance, A HUB International Company: Westerly | 2 Wilder Ave | (401) 326-6000 |
| 10 | Philip Overton - Prudential Financial | 53 High St Suite 31 | (401) 596-8297 |
Lathrop Insurance serves landlords and property investors in the Westerly, Rhode Island area, offering specialized insurance coverage for rental properties. As a local agency, it understands the unique risks facing residential and commercial landlords in southern Rhode Island, including coastal weather exposure and seasonal rental demands. Its policies typically protect against property damage, liability claims, and loss of rental income. For this area, the agency handles policies tailored for single-family rentals and multi-unit apartment buildings, ensuring landlords secure appropriate protection for their investments.
Meredith Goncalves | Rhode Island Realtor provides landlord insurance agent services in Westerly, Rhode Island. The company offers assistance with property coverage needs, including liability protection and dwelling policies. It helps clients understand maintenance requirements for leased properties and guides them through plan options suited to rental investments. The firm services a range of property types, from single-family homes and multi-unit apartments to retail spaces and restaurants.
Fallon Insurance Agency in Westerly, Rhode Island, serves landlords, property managers, and real estate investors seeking property coverage for rental dwellings. The agency assists clients with policies that protect against common risks, such as property damage and liability claims, while tailoring options for single-family homes or multi-unit buildings. Its work involves reviewing local area risks and helping property owners understand coverage requirements. For client convenience, the agency also extends its services and expertise to the nearby town of Stonington, Connecticut.
Mansfield Insurance Agency serves Westerly, Rhode Island, and the surrounding communities with coverage for residential and commercial rental properties. It handles the specific insurance needs of landlords, including protection for dwelling structures, liability from tenant incidents, and potential loss of rental income. For a typical job, the agency begins by assessing the property type and the landlord’s risk factors to build a tailored policy, then clearly explains coverage limits and deductibles before securing a plan that meets local lending requirements.
For first-time property owners encountering tenant concerns, a single consultation can clarify policy basics, while ongoing coverage renewals provide continuous liability and dwelling protection against local storms or fire. Louis Panciera Insurance, based in Westerly, RI, serves as a landlord insurance agent addressing these different needs for residential rental properties. Coverage guidance is provided through one-time meetings to review a specific property or through scheduled annual appointments to adjust limits and deductibles. Service for existing clients runs on an as-needed basis to update a policy after tenant changes.
Neri Agency, Inc.: Allstate Insurance in Westerly, RI offers specialized policies for landlords, covering rental properties to protect against income loss and property damage. It also provides general insurance services for homeowners and renters in the area. The agency helps property owners address seasonal concerns such as winter weather risks, including frozen pipes and ice damage, ensuring comprehensive protection for local rental investments.
As autumn storms arrive in coastal Rhode Island, landlords in Westerly and nearby communities rely on Thorp & Trainer to address their property insurance needs. This local agency assists owners of rental houses and apartments by reviewing liability gaps and potential damage from nor’easters. The team understands the specific concerns of New England landlords, offering practical coverage for income loss and structural repairs. Their initial assessment always includes a thorough inspection of each rental unit before presenting protection options.
Schonning Insurance works with property owners in Westerly, Rhode Island, to secure coverage for rental dwellings. The firm specializes in policies that protect against tenant-related property damage, liability for injuries on the premises, and loss of rental income during repairs. These plans can be tailored to include coverage for vandalism, weather-related damage, and legal expenses from eviction proceedings. Properties served include single-family rentals, multifamily apartment buildings, mixed-use structures, and commercial lettings such as offices, warehouses, and food service establishments.
Bouvier Insurance, A HUB International Company: Westerly serves property owners in Westerly, Rhode Island, specializing in residential landlord insurance for single-family rentals and small multifamily dwellings. Commercial coverage is also available for larger apartment buildings and mixed-use properties throughout the surrounding area. Policies address common risks such as tenant damage, liability, and loss of rental income. The agency assists with routine policy reviews and encourages clients to reach out between regular visits when coverage needs change or a new property is acquired.
Philip Overton - Prudential Financial, based in Westerly, RI, is known for providing landlord insurance coverage tailored to property owners in the local area. Its services include protection for rental dwellings, liability coverage, and policies addressing income loss from tenant vacancies or property damage. This agency helps landlords manage risks associated with residential and small commercial rentals around southern Rhode Island. As a specialty add-on, it offers umbrella liability policies to extend coverage limits beyond standard landlord insurance plans.
What Does a a Landlord Insurance Agent in Westerly Cost?
Typical landlord insurance costs in Rhode Island range from 800 to 2,500 dollars per year for a single-family rental property. Premiums are higher in coastal areas like Westerly due to flood and wind exposure. Factors like property age, rental amount, and coverage limits also affect price. This is general information and not insurance advice.
About landlord insurance agents in Westerly
A landlord insurance agent in Westerly Rhode Island helps property owners protect their rental investments. Rhode Island law requires landlords to maintain liability coverage and comply with specific property maintenance standards. Local agents understand the unique risks of coastal properties and seasonal rentals common in the Westerly area.
Frequently Asked Questions
What does landlord insurance cover in Rhode Island
Landlord insurance typically covers property damage, loss of rental income, and liability protection. In Rhode Island, policies often include coverage for natural disasters like hurricanes and nor'easters that are common in coastal areas like Westerly.
Is landlord insurance required by law in Rhode Island
Rhode Island does not legally require landlord insurance, but most mortgage lenders mandate it. Without coverage, you could face significant financial loss from property damage or liability claims from tenants.
How does Rhode Island law affect landlord insurance costs
Rhode Island has specific tenant rights laws that can increase liability risks, such as the requirement to maintain habitable premises. This can raise premiums compared to other states. Agents in Westerly factor in local flood zones and winter storm risks when pricing policies.
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