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Compare Umbrella Insurance Agents in Portsmouth, RI
Browse umbrella insurance agents serving Portsmouth, Rhode Island. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Portsmouth, 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 umbrella insurance agents in Portsmouth, 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.
Paul St Laurent: Allstate Insurance
202B Clock Tower Square, Portsmouth, RI 02871
(401) 732-1001
agents.allstate.com
Bessette Insurance
3056 E Main Rd, Portsmouth, RI 02871
(401) 683-0177
bessetteinsurance.com
Embrace Benefits
300 High Point Ave 2nd Floor, Portsmouth, RI 02871
(401) 239-0006
embracebenefits.com
Umbrella insurance provides an extra layer of liability coverage beyond your auto, home, or boat policy limits. In Portsmouth, Rhode Island, this coverage is especially valuable given the coastal property values and boating activity common in the area. A local agent can help you assess your personal risk and secure a policy that meets Rhode Island legal requirements.
What Does a Umbrella Insurance Agent in Portsmouth Cost?
In Rhode Island, a one million dollar umbrella insurance policy typically costs between 150 and 300 dollars per year. Higher coverage limits, such as two to five million dollars, may cost 300 to 600 dollars annually. Premiums vary based on your number of vehicles, home value, driving record, and claims history. 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 an umbrella insurance agent in Portsmouth do?
An umbrella insurance agent helps you purchase a personal liability policy that extends coverage above your existing home and auto insurance. In Rhode Island, these policies typically start at one million dollars in coverage. The agent evaluates your assets and risks to recommend an appropriate limit.
How much umbrella insurance do I need in Rhode Island?
The amount you need depends on your net worth and potential liability exposure. Many Rhode Island agents recommend at least one to two million dollars in coverage for homeowners with significant assets. A local agent can run a risk assessment specific to your situation.
Is umbrella insurance required by law in Rhode Island?
No, Rhode Island law does not require umbrella insurance. However, it is strongly advised for individuals with high net worth or those who own property, boats, or rental units. Without it, a lawsuit could exceed your standard policy limits and put personal assets at risk.
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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.