The top-rated umbrella insurance agent in Pawtucket, Rhode Island is Affordable Insurance, rated 4.5 stars across 816 reviews. Other highly rated options include Andrews Insurance Agency, Medicare Mavis, Butler & Messier Insurance. This directory lists 15 umbrella insurance agents serving Pawtucket.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Affordable Insurance | 44 East St | (401) 725-2222 |
| 2 | Andrews Insurance Agency | 450 Armistice Blvd | (401) 722-4271 |
| 3 | Medicare Mavis | 333 School St Suite 213 B | (401) 864-4716 |
| 4 | Butler & Messier Insurance | 1401 Newport Ave | (401) 728-3200 |
| 5 | Smith Insurance Group | 664 Armistice Blvd | (401) 724-1660 |
| 6 | Garcia Insurance Agency | 459 Smithfield Ave Unit R | (401) 729-1336 |
| 7 | All-Star Insurance Agency | 50 Division St | (401) 213-1244 |
| 8 | General Insurance LLC | 249 Prospect St | (401) 655-2712 |
| 9 | T & R Svc LLC | 872 Newport Ave | (401) 475-4774 |
| 10 | Prime Insurance Agency RI | 112 RI-126 | (401) 552-4281 |
Affordable Insurance serves Providence County and the wider Pawtucket, Rhode Island area as a local umbrella insurance agent. Umbrella insurance provides extra liability coverage that goes beyond the limits of standard homeowners and auto policies, offering added financial protection against large claims or lawsuits. This type of policy can be a critical safeguard for individuals who own property or have personal assets to protect. Affordable Insurance handles personal umbrella liability coverage and can assist with obtaining excess liability policies tailored to the needs of area residents.
Andrews Insurance Agency in Pawtucket, RI, provides umbrella insurance policies that offer extended liability coverage beyond standard home or auto plans. These policies protect clients from major claims and lawsuits by adding an extra layer of financial security. The agency typically structures its plans for easy integration with existing coverage, streamlining the claims process for policyholders. Through tailored risk assessment, it helps customers determine appropriate limits. Andrews Insurance Agency services a variety of properties, including single-family homes, apartments, retail, and restaurants.
Serving Pawtucket, Rhode Island, and its surrounding communities, Medicare Mavis handles umbrella insurance coverage for local residents seeking extended liability protection. It manages policies that layer over standard homeowners and auto insurance to provide additional financial safeguards. The company evaluates each client’s existing coverage gaps and personal risk exposure to determine appropriate policy limits. It then coordinates with primary insurance carriers to ensure seamless integration of the umbrella policy, prioritizing clear communication throughout the entire application and claims process.
Butler & Messier Insurance serves homeowners, businesses, and property managers in Pawtucket, Rhode Island, by connecting them with umbrella insurance agents who provide supplemental liability coverage. This type of policy extends beyond the limits of standard auto, home, or business insurance, offering added financial protection against large claims or lawsuits. The agents work with local carriers to match coverage to each client’s risk profile. They also serve clients in nearby Providence, ensuring broader access to personal and commercial liability solutions throughout the metro area.
Smith Insurance Group in Pawtucket, RI offers both one-time and recurring service options for umbrella insurance clients. One-time service provides a single policy review and purchase, while recurring service includes periodic updates as personal assets and liability exposures evolve over time. Coverage extends beyond standard auto and homeowners policies, protecting against major claims and lawsuits that could otherwise threaten personal savings. Service runs on either a one-time, scheduled, or as-needed basis, depending on client preference and changing risk profiles.
As an umbrella insurance agent, Garcia Insurance Agency in Pawtucket, RI offers specialty services focused on providing extra liability coverage that extends beyond the limits of standard auto or homeowners policies. Its general service work helps local residents and businesses protect assets against major claims and lawsuits. The agency addresses a common situational concern by assisting clients in preparing for the increased liability risks associated with winter weather accidents, such as slips on icy walkways or car collisions on snow-covered roads.
Spring storms along the Blackstone Valley often lead to unexpected liability claims for homeowners and small businesses in Pawtucket. All-Star Insurance Agency offers umbrella insurance coverage that extends beyond standard policy limits, providing broader protection against significant financial losses. Residents throughout Providence County rely on this additional layer of security for their assets and future earnings. The process begins with a thorough assessment of your current policies to determine appropriate coverage levels. The first step is scheduling a personal review of your existing insurance portfolio.
General Insurance LLC serves as an umbrella insurance agent in Pawtucket, RI, providing liability coverage that extends beyond the limits of primary policies. Its specialist offerings protect commercial and personal assets from major claims, offering crucial additional financial security. This coverage is particularly valuable for businesses operating in high-exposure environments. The firm works with local clients in a range of commercial sectors, including offices, warehouses, and food service establishments to address their unique risk profiles.
T & R Svc LLC provides umbrella insurance services for residential properties in Pawtucket, Rhode Island. The company also offers commercial coverage for local businesses seeking additional liability protection beyond standard policies. Their service area encompasses Pawtucket and the surrounding communities in northern Rhode Island. After an initial consultation or claim assistance, T & R Svc LLC often contacts clients to review any policy adjustments needed and to coordinate follow-up coverage between regular renewal visits.
What Does an a Umbrella Insurance Agent in Pawtucket Cost?
A standard one million dollar umbrella insurance policy in Rhode Island generally costs between 150 and 300 dollars per year. Higher coverage limits, such as two million or five million dollars, will increase the premium. Factors like your credit score, claims history, and number of properties also affect the final price. This is general information and not insurance advice.
About umbrella insurance agents in Pawtucket
Umbrella insurance agents in Pawtucket help residents secure extra liability coverage beyond standard auto or home policies. Rhode Island law requires minimum auto liability limits of 25,000 dollars per person and 50,000 dollars per accident, but an umbrella policy can provide one million dollars or more in additional protection. Local agents understand the specific risks for homeowners and drivers in the Ocean State.
Frequently Asked Questions
What does an umbrella insurance agent in Pawtucket do?
An agent helps you assess your personal liability risks and find a policy that covers gaps in your existing insurance. They compare options from different carriers to get you the right coverage for your home and vehicle assets in Rhode Island.
Who needs umbrella insurance in Rhode Island?
Anyone with significant assets such as a home, savings, or future income should consider umbrella insurance. It is also wise for those who own rental properties, have a swimming pool, or engage in activities that increase lawsuit risk.
How much does umbrella insurance cost in Pawtucket?
Typical costs for a one million dollar umbrella policy in Rhode Island range from 150 to 300 dollars per year. Costs vary based on your number of vehicles, home value, and driving record. Your agent can provide a specific quote.
Umbrella Insurance Agents in Other Rhode Island Cities
Cranston · East Providence · Middletown · Providence · Warwick