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Looking for a condo 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 condo 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
Condo insurance agents in Narragansett help unit owners secure HO-6 policies that cover personal property and interior walls. Rhode Island law requires condo associations to carry a master policy, but individual owners need their own coverage for improvements and liability. Local agents understand coastal risks like storm surge and wind damage specific to Washington County.
What Does a Condo Insurance Agent in Narragansett Cost?
Condo insurance in Rhode Island typically costs between 200 and 600 dollars per year for a standard HO-6 policy. Premiums depend on the unit value, location, and coverage limits. Coastal units in Narragansett may have higher rates due to wind and flood exposure. 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 a condo insurance agent do in Narragansett?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings and interior structures. They also advise on loss assessment coverage for shared areas. Agents in Narragansett know local flood zones and building codes.
Do I need condo insurance if the association has a master policy?
Yes. The master policy typically covers the building shell and common areas. Your HO-6 policy covers your personal property and any upgrades you make. It also provides liability protection if someone is injured in your unit.
How does Rhode Island law affect my condo insurance needs?
Rhode Island General Law 34-36.1 requires associations to maintain property insurance on common elements. However, individual owners are responsible for insuring their own unit improvements and personal property. An agent can explain how this applies to your specific unit.
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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.