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Directory of home insurance agents in Smithfield, Rhode Island. Verify credentials with the state department of insurance before hiring.
2 agents listed
Updated May 2026
Smithfield, 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 home insurance agents in Smithfield, 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.
Kerri A. Lawton: Allstate Insurance
151 Douglas Pike Ste 3, Smithfield, RI 02917
(401) 233-0800
agents.allstate.com
Angel Urena: Primerica - Financial Services
55 Douglas Pike #206A, Smithfield, RI 02917
(401) 618-5939
reps.primerica.com
Home insurance agents in Smithfield, Rhode Island help homeowners find coverage that meets state requirements and protects their property. Rhode Island law does not require homeowners insurance, but mortgage lenders typically mandate it. Agents can explain local risks such as coastal weather and older home construction common in the area.
What Does a Home Insurance Agent in Smithfield Cost?
In Rhode Island, the average annual cost for homeowners insurance is around 1,200 to 1,500 dollars for a standard policy, but this varies by home value, location, and coverage level. Smithfield rates may be slightly lower than coastal areas due to reduced hurricane risk. Factors like home age, roof condition, and claims history also affect premiums. 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 Smithfield do?
A home insurance agent helps you compare policies from different insurers, explains coverage options, and assists with claims. They can advise on Rhode Island specific needs like flood insurance for properties near the Blackstone River.
Is homeowners insurance required by law in Rhode Island?
No, Rhode Island state law does not require homeowners insurance. However, most mortgage lenders require it as a condition of the loan. Agents can help you meet lender requirements.
How do I choose a home insurance agent in Smithfield?
Look for an agent licensed in Rhode Island with experience in the Smithfield area. Check their knowledge of local risks and ask about policy options for older homes or properties with unique features.
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Notice
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.