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Looking for a condo insurance agent in Portsmouth? Review the directory below to compare your options.
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 condo 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
Condo insurance agents in Portsmouth Rhode Island help unit owners understand the unique coverage needs for coastal properties. Rhode Island law requires condo associations to carry a master policy, but individual unit owners still need their own HO-6 policy for personal property and interior improvements. Local agents can explain how the state's specific condominium statutes affect your coverage limits and deductibles.
What Does a Condo Insurance Agent in Portsmouth Cost?
Typical condo insurance costs in Portsmouth Rhode Island range from 300 to 800 dollars per year for a standard HO-6 policy. Factors include your unit value, location near the coast, deductible choice, and coverage limits. Flood insurance is often required separately for coastal properties and can add 400 to 1,000 dollars annually. 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 condo insurance cover in Rhode Island?
A standard HO-6 policy in Rhode Island covers your personal belongings, interior walls and fixtures, and liability protection. It also provides loss assessment coverage if the condo association charges you for a shared claim. This policy fills gaps left by the association master policy.
Do I need condo insurance if the association has a master policy?
Yes, you still need your own policy. The master policy typically covers the building structure and common areas, but not your personal property or upgrades you made. Your individual policy also protects you from liability if someone is injured inside your unit.
How does Rhode Island law affect condo insurance requirements?
Rhode Island General Law Title 34 Chapter 36 requires condo associations to maintain property insurance on the common elements. However, individual unit owners are responsible for insuring their own unit interior and personal property. Your agent can help you match your coverage to the association bylaws.
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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.