The top-rated renters insurance agent in Middletown, Rhode Island is AAA Middletown, rated 4.6 stars across 216 reviews. Other highly rated options include Carey, Richmond & Viking Insurance, Hilb Group, KVT Insurance LLC. This directory lists 12 renters insurance agents serving Middletown.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Middletown | 49 E Main Rd | (401) 841-5000 |
| 2 | Carey, Richmond & Viking Insurance | 2 Corporate Pl Suite 306 | (401) 683-3900 |
| 3 | Hilb Group | 500 W Main Rd | (401) 847-5200 |
| 4 | KVT Insurance LLC | 2 Corporate Pl | (401) 849-8502 |
| 5 | Aquidneck Island Insurance | 702 Aquidneck Ave #18 | (401) 354-2172 |
| 6 | The SIG Insurance Agencies: Middletown, Rhode Island | 999 West Main Street | (401) 849-4100 |
| 7 | New Insurance Agency RI | 674 Aquidneck Ave | (401) 859-4140 |
| 8 | Defend Insure Agency | 12 Circle Dr | (401) 213-1715 |
| 9 | Nationwide Insurance: Roy L Souza | 999 W Main Rd | (401) 849-4100 |
| 10 | Newport Insurance Agency | 460 E Main Rd | (401) 619-1660 |
AAA Middletown serves renters in Newport County, Rhode Island, providing renters insurance agent services. The company assists local tenants with obtaining coverage that protects personal belongings against common risks such as fire, theft, and water damage. Policies typically include liability protection for accidents occurring within the rented property. The agency helps clients understand their policy limits and deductible options. It handles filing claims for stolen or damaged possessions and securing replacement cost coverage for personal property.
Carey, Richmond & Viking Insurance provides renters insurance policies covering liability protection and personal property replacement for tenants throughout Middletown, Rhode Island. Service is offered through personalized policy consultations to help clients match coverage levels with their specific living situations and valuables. Maintenance advice for retaining coverage and preventing property damage may be provided upon request. The company handles insurance needs for renters of single-family homes, apartments, retail spaces, and restaurants.
Hilb Group serves renters, homeowners, and property managers in the Middletown area with comprehensive renters insurance solutions, helping protect personal belongings and providing liability coverage. As a dedicated agency, it assists clients in securing policies that fit their specific leasing or rental property needs. The company works with local carriers to offer straightforward coverage options for apartments, condos, and single-family rentals. Its service area also extends to the neighboring communities of Newport and Portsmouth.
KVT Insurance LLC serves Middletown, Rhode Island and the surrounding Newport County communities. It handles renters insurance policies designed to protect tenants’ personal belongings and provide liability coverage. The agency works with local property owners to ensure renters meet lease requirements for insurance. For a typical job, KVT Insurance evaluates a client's specific inventory and liability risks. It then compares coverage options from multiple carriers to match the policy with the renter’s budget and needs, presenting clear, straightforward recommendations.
Aquidneck Island Insurance offers renters insurance policies through either a one-time initial setup for a single policy or an ongoing account for continuous coverage that renews periodically. Their coverage options typically protect personal belongings against theft, fire, and water damage inside an apartment or rental home, while additional liability coverage can help if someone is injured on the premises. Service for renters insurance runs on an as-needed basis for new policies, claims, or policy changes throughout the year.
When coastal storm season arrives in Middletown, renters may suddenly need to secure coverage for their belongings. The SIG Insurance Agencies provides renter insurance policies tailored to apartments and homes across the local area. Their agents help clients understand personal property protection and liability options. Every policy consultation begins with a thorough discussion of the customer’s specific living situation, followed by a personalized assessment of their coverage requirements. A simple initial inspection or walk-through of their rental space often precedes the final policy recommendation.
New Insurance Agency RI assists local residents with protecting their personal belongings and liability needs through renters insurance policies. They focus on providing coverage for essential renter concerns while also offering specialty add-ons for valuable items, identity theft protection, and temporary living expenses in case of a covered loss. The agency serves a variety of commercial sectors needing such protection, including property owners for residential offices, warehouse tenants safeguarding stored goods, and food service operators ensuring business continuity.
As a renters insurance agent, Defend Insure Agency in Middletown, RI, specializes in helping tenants find customized liability and personal property coverage. It works with local renters to protect their belongings from perils like theft, fire, and water damage. Policies typically also include loss-of-use assistance if a home becomes temporarily uninhabitable. The agency particularly aids clients in reviewing their coverage before the spring moving season, when many leases turn over and new possessions require accurate valuation.
Nationwide Insurance: Roy L Souza provides residential renters insurance services in Middletown, Rhode Island, helping tenants protect personal belongings and liability. Commercial coverage is also offered for local business properties and operations. The agency serves clients throughout the Newport County area. Policies can be tailored to individual rental agreements and budget needs. Local representatives follow up with customers between renewal periods, checking for any changes in coverage requirements or personal circumstances that warrant an update.
What Does a a Renters Insurance Agent in Middletown Cost?
In Rhode Island, renters insurance premiums typically range from $15 to $30 per month for standard coverage of $20,000 to $30,000 in personal property. Higher limits or additional endorsements for valuable items can increase the cost. Factors like your credit score, claims history, and the age of your rental building also affect the price. This is general information and not insurance advice.
About renters insurance agents in Middletown
Renters insurance agents in Middletown, Rhode Island help tenants protect personal property and cover liability. Rhode Island law does not require renters insurance, but many landlords in Newport County do require it in lease agreements. Local agents can explain how coastal risks like storms or flooding may affect your coverage needs.
Frequently Asked Questions
What does renters insurance cover in Middletown Rhode Island?
Renters insurance typically covers personal belongings against theft, fire, and certain water damage. It also provides liability protection if someone is injured in your rental. Flood damage is usually not included and requires a separate policy in Rhode Island.
How much does a renters insurance agent cost in Middletown?
Agents do not charge a fee for helping you get a policy. Their commission is paid by the insurance company. Your premium cost depends on coverage limits and your rental location in Middletown.
Is renters insurance required by law in Rhode Island?
No, Rhode Island state law does not require renters insurance. However, many landlords in Middletown include a requirement in the lease. If your lease says you need it, you must show proof of coverage.