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 home 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 Home Insurance Agent in Portsmouth Cost?
Home insurance agent fees in Rhode Island are typically included in the policy premium as a commission from the insurer so you do not pay extra for agent services. Average annual premiums for homeowners insurance in Rhode Island range from 1200 to 2000 dollars depending on coverage levels and location. Factors like proximity to the coast home age and claims history can raise costs. This is general information 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 home insurance agent in Portsmouth do?
An agent helps you compare policies from different insurers to find coverage for your home and belongings. They can explain Rhode Island specific risks such as wind and flood exposure. Agents also assist with claims and policy changes.
Do I need flood insurance in Portsmouth Rhode Island?
Flood insurance is not required by state law but is often required by mortgage lenders for homes in flood zones. Portsmouth has areas near the water that are at higher risk. Standard home policies do not cover flood damage so separate flood insurance from the NFIP or a private insurer is needed.
How do Rhode Island home insurance rates compare to other states?
Rhode Island home insurance rates are generally higher than the national average due to coastal storm risks and higher property values. Average annual premiums in Rhode Island range from 1200 to 2000 dollars for standard coverage. Your specific rate depends on your homes location age and construction materials.