The top-rated umbrella insurance agent in Warwick, Rhode Island is Bankers Life, rated 4.9 stars across 132 reviews. Other highly rated options include Brook Insurance Associates LLC, McLane Insurance Agency, DeGiulio Insurance Group, LLC. This directory lists 19 umbrella insurance agents serving Warwick.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bankers Life | 475 Kilvert St # 300 | (401) 732-5213 |
| 2 | Brook Insurance Associates LLC | 1935 Elmwood Ave | (401) 381-1350 |
| 3 | McLane Insurance Agency | 2914 Post Rd #6 | (401) 773-7892 |
| 4 | DeGiulio Insurance Group, LLC | 3590 W Shore Rd | (401) 921-5690 |
| 5 | The Egis Group | 120 Lavan St | (401) 274-0303 |
| 6 | Annarummo & Associates Insurance Agency | 808 Main Ave | (401) 732-2878 |
| 7 | State Insurance Rhode Island | 179 Old Warwick Ave | (401) 655-2829 |
| 8 | Ordinary Insurance RI | 733 Bald Hill Rd | (401) 213-1937 |
| 9 | Wisdom Insurance LLC | 1 Service Ave | (401) 859-5451 |
| 10 | Graham Insurance, Inc. - Michael J Degiulio | 569 Warwick Ave | (401) 781-8121 |
Bankers Life serves the Warwick, Rhode Island area as an umbrella insurance agent. It offers policies that provide extended liability coverage beyond standard homeowners and auto insurance limits. These policies help protect clients from major claims and lawsuits. The company assists local residents and businesses in securing financial safeguards for unexpected events. Among the specific services it handles in this region are personal umbrella policies for homeowners and commercial umbrella policies for small businesses.
Brook Insurance Associates LLC in Warwick, RI provides comprehensive umbrella insurance agent services, offering extended liability coverage that goes beyond standard policy limits. Its service and maintenance plans help policyholders review current exposures and adjust coverage to meet evolving needs. The firm assists with umbrella policies designed to protect a wide range of properties, including single-family homes, apartments, retail spaces, and restaurants.
McLane Insurance Agency in Warwick, Rhode Island serves homeowners, businesses, and property managers seeking liability protection beyond standard policy limits. Umbrella insurance from this local agency provides an extra layer of coverage that activates when primary policies are exhausted, safeguarding assets against major claims or lawsuits. Such policies are valuable in a region prone to winter storms and coastal risks. The agency also works with clients across nearby Cranston and the greater Providence metropolitan area.
DeGiulio Insurance Group, LLC provides umbrella insurance coverage to clients throughout Warwick, Rhode Island, and the surrounding communities of Kent County. This agency handles policies that extend liability protection beyond the limits of standard home and auto insurance. A typical umbrella insurance job involves reviewing an individual's or family's existing coverage to identify exposure gaps. The agency then calculates appropriate additional liability limits to safeguard future income and assets against major claims or lawsuits.
For clients seeking personal liability protection beyond standard policies, The Egis Group offers both single-purchase umbrella coverage and broader ongoing account management. Located in Warwick, RI, the agency helps individuals and businesses secure an extra layer of defense against major claims or lawsuits that exceed underlying home and auto limits. Policies typically cover legal costs and settlement amounts, providing significant financial safeguards for local residents. Service arrangements are tailored to client needs and run on an as-needed basis, with periodic policy reviews conducted only when requested.
Annarummo & Associates Insurance Agency in Warwick, Rhode Island provides specialty umbrella insurance coverage to extend liability protection beyond standard home or auto policies. The agency assists local clients in evaluating their existing risk exposure and securing an additional layer of financial security. This service helps homeowners prepare for unexpected lawsuits or costly accidents. As outdoor activities and holiday gatherings increase during summer and winter, the agency can help families safeguard their assets against unforeseen claims arising from these seasonal events.
In coastal Rhode Island, a single storm can cause a liability lawsuit that exceeds a standard homeowners policy limit. State Insurance Rhode Island in Warwick helps local property owners obtain an umbrella policy to bridge that exposure gap, covering legal costs and personal injury claims beyond underlying coverage. Their agents review existing auto and home policies to recommend appropriate extra liability limits. An initial consultation with State Insurance Rhode Island begins by scheduling a coverage gap analysis and full policy inspection.
Serving clients throughout the region, Ordinary Insurance RI works to provide general property and casualty coverage. The agency specializes in supplemental umbrella insurance policies, which offer added liability protection beyond standard home and auto limits. These policies are designed to safeguard against major claims and lawsuits. The agent can serve a wide range of commercial sectors, including offices, warehouses, and food service operations.
Wisdom Insurance LLC serves residents in Warwick, Rhode Island, by offering umbrella insurance policies that provide added liability protection beyond standard homeowners or auto coverage. The agency also assists local commercial clients in the region, helping businesses extend their liability limits for broader financial security. For each policyholder, the goal is to ensure adequate personal or business coverage between regular policy renewals. Follow-up service is provided to help adjust coverage as client circumstances change from one visit to the next.
Graham Insurance, Inc. - Michael J Degiulio, serving Warwick, Rhode Island, is known for helping clients secure additional liability coverage beyond standard home and auto policies. The company focuses on protective layers that guard against major claims, lawsuits, or personal injury settlements. Their service range includes customizing umbrella limits to offer financial safeguards for your assets with added life protection coverage options. In this region, even a minor accident can lead to substantial legal expenses, making such policies a prudent choice. Specialty service add-ons include coverage for libel, slander, and defamation claims.
What Does an a Umbrella Insurance Agent in Warwick Cost?
Typical umbrella insurance costs in Rhode Island range from 150 to 300 dollars per year for one million dollars in coverage. Higher limits of two to five million dollars may cost 300 to 600 dollars annually. Your actual premium depends on your personal risk profile, number of vehicles, and property owned. This is general information and not insurance advice.
About umbrella insurance agents in Warwick
Umbrella insurance agents in Warwick Rhode Island help you secure additional liability coverage that goes beyond your home and auto policies. Rhode Island law requires minimum auto liability limits of 25/50/25 but a personal umbrella policy can provide an extra layer of protection for assets. Working with a local agent ensures you understand how Rhode Island liability laws affect your coverage needs.
Frequently Asked Questions
What does an umbrella insurance agent in Warwick do?
An umbrella insurance agent in Warwick helps you assess your personal liability risks and recommends a policy that provides coverage above your existing home and auto insurance limits. They explain how umbrella policies can protect your savings and future income from large lawsuits.
How much umbrella coverage do I need in Rhode Island?
Most Rhode Island agents recommend at least one million dollars in umbrella coverage due to the state's high cost of living and potential for large liability claims. Your specific needs depend on your assets, income, and risk factors like owning a pool or a dog.
Can I get umbrella insurance if I have a rental property in Warwick?
Yes, umbrella insurance can cover liability from rental properties you own in Warwick. Agents will review your landlord policy limits and recommend umbrella coverage that extends protection to your rental activities.
Umbrella Insurance Agents in Other Rhode Island Cities
Cranston · East Providence · Middletown · Pawtucket · Providence