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Compare umbrella insurance agents in Chepachet. Review contact information and insurance categorys before you decide.
3 agents listed
Updated May 2026
Chepachet, 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 3 umbrella insurance agents in Chepachet, 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.
Zelano Insurance Agency Inc
15 Money Hill Rd, Chepachet, RI 02814
(401) 568-3051
zelanoinsurance.com
Chestnut Hill Insurance Group
2 Chestnut Hill Rd, Chepachet, RI 02814
(401) 568-7888
chestnuthillins.com
Nationwide Insurance: Ann M. Horton
57 Gold Mine Rd, Chepachet, RI 02814
(401) 349-4116
agency.nationwide.com
Umbrella insurance provides an extra layer of liability protection beyond your auto, home, or boat insurance policies. In Chepachet, Rhode Island, residents often seek this coverage to safeguard against large claims or lawsuits. Rhode Island law requires minimum auto liability limits, but an umbrella policy can offer additional peace of mind for local homeowners and drivers.
What Does a Umbrella Insurance Agent in Chepachet Cost?
The cost of umbrella insurance in Rhode Island typically ranges from 150 to 300 dollars per year for one million dollars in coverage. Premiums can vary based on your risk factors, such as the number of vehicles or properties you own, your driving record, and whether you have a swimming pool or dog. Higher coverage limits, like two million or five million dollars, will cost more. 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 an umbrella insurance agent in Chepachet do?
An umbrella insurance agent helps you assess your personal liability risks and find a policy that extends coverage above your existing insurance limits. They explain how umbrella insurance works with your auto, home, or boat policies. The agent also helps you compare options from different carriers available in Rhode Island.
How much umbrella insurance do I need in Rhode Island?
The amount of umbrella insurance you need depends on your assets and potential liability risks. Many agents recommend a policy of at least one million dollars in coverage. Rhode Island does not have a state-mandated minimum for umbrella insurance, so your agent will help you choose a limit that fits your financial situation.
Do I need umbrella insurance if I have a home in Chepachet?
Yes, homeowners in Chepachet can benefit from umbrella insurance because it covers liability claims that exceed your home policy limits. For example, if a guest is injured on your property and sues for more than your home insurance covers, umbrella insurance can pay the difference. It also covers certain incidents not included in standard home policies, such as false arrest or libel.
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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.