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Find Umbrella Insurance Agents Near You in Narragansett, RI
Looking for a umbrella insurance agent in Narragansett? Review the directory below to compare your options.
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 umbrella 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
Umbrella insurance provides extra liability coverage beyond standard home and auto policies. In Narragansett Rhode Island, coastal properties often require higher liability limits due to increased risk from storms and tourism. An agent can help you assess your personal exposure and select appropriate coverage levels.
What Does a Umbrella Insurance Agent in Narragansett Cost?
Typical umbrella insurance costs in Rhode Island range from 150 to 400 dollars per year for 1 million dollars in coverage. Higher limits of 2 to 5 million dollars may cost between 300 and 800 dollars annually. Premiums vary based on your driving record, property value, and number of rental units. 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 umbrella insurance cover in Narragansett?
Umbrella insurance covers legal defense costs and judgments above your primary policy limits. In Rhode Island, this can include claims from boating accidents or slip and fall incidents on your property. It also protects against libel and slander claims.
How much umbrella coverage do I need in Rhode Island?
Most Rhode Island agents recommend at least 1 million dollars in umbrella coverage. For high net worth individuals or those with rental properties in Narragansett, 2 to 5 million dollars may be appropriate. Your agent will review your assets and risks to determine a suitable limit.
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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.