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Compare home insurance agents in Westerly. Review contact information and insurance categorys before you decide.
8 agents listed
Updated May 2026
Westerly, 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 8 home insurance agents in Westerly, 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.
Lathrop Insurance
33 Crestview Dr, Westerly, RI 02891
(401) 596-2525
lathropinsurance.com
Fallon Insurance Agency
43 Broad St # 3, Westerly, RI 02891
(401) 868-8265
fallonagency.com
Mansfield Insurance Agency
115 High St #1821, Westerly, RI 02891
(401) 596-2096
mansfieldins.com
Louis Panciera Insurance
48 Main St, Westerly, RI 02891
(401) 596-4977
louispancierainc.com
Neri Agency, Inc.: Allstate Insurance
105 Franklin St Unit 29, Westerly, RI 02891
(401) 596-7770
agents.allstate.com
Thorp & Trainer
107 Airport Rd, Westerly, RI 02891
(401) 596-0146
thorptrainer.com
Schonning Insurance
90 Airport Rd, Westerly, RI 02891
(401) 348-2000
schonninginsurance.com
Bouvier Insurance, A HUB International Company: Westerly
2 Wilder Ave, Westerly, RI 02891
(401) 326-6000
binsurance.com
A home insurance agent in Westerly Rhode Island can help you find a policy that protects your home from common local risks like coastal storms and nor'easters. Rhode Island law requires all homeowners insurance policies to include coverage for windstorm damage unless you sign a specific waiver. Working with a local agent ensures you understand how Rhode Island's unique building codes and flood zone regulations affect your coverage.
What Does a Home Insurance Agent in Westerly Cost?
The average cost of homeowners insurance in Rhode Island is about $1,200 to $1,800 per year for a standard policy, but rates in Westerly can be higher due to coastal exposure. Premiums depend on your home's age, construction type, distance from the ocean, and chosen deductibles. A typical windstorm deductible in Rhode Island is 1% to 5% of the home's insured value. 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 home insurance agent in Westerly do?
A home insurance agent in Westerly helps you compare policies from different insurers to find coverage that fits your home and budget. They explain Rhode Island-specific requirements such as mandatory windstorm coverage and optional flood insurance for coastal properties. Agents also assist with filing claims and updating your policy after renovations or major purchases.
Do I need flood insurance in Westerly Rhode Island?
Flood insurance is not required by Rhode Island law for most homes, but mortgage lenders may require it if your property is in a high-risk flood zone. Many Westerly homes near the coast or the Pawcatuck River fall into these zones. A local agent can check your flood zone designation and help you purchase a separate flood policy through the National Flood Insurance Program.
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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.