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Showing 3 flood 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
What Does a Flood Insurance Agent in Portsmouth Cost?
Flood insurance costs in Rhode Island vary by property location, elevation, and coverage amount. For a typical single-family home in Portsmouth, annual premiums range from 700 to 2,500 dollars for NFIP policies. Private flood insurance may offer different rates. 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
Do I need flood insurance in Portsmouth Rhode Island?
If your property is in a high-risk flood zone designated by FEMA and you have a federally backed mortgage, flood insurance is required. Even outside high-risk zones, many Portsmouth homeowners choose coverage due to coastal storm risks.
What does a flood insurance agent in Portsmouth do?
A flood insurance agent helps you assess your flood risk, compare NFIP and private flood insurance options, and complete the application. They also explain waiting periods and coverage limits for your specific property.
How long does it take to get flood insurance in Rhode Island?
Standard NFIP policies have a 30-day waiting period before coverage begins. Exceptions exist for flood map changes or loan closings. An agent can confirm the exact effective date for your policy.