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Compare umbrella insurance agents in Johnston. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Johnston, 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 6 umbrella insurance agents in Johnston, 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.
Narragansett Bay Insurance Company
1301 Atwood Ave #102W, Johnston, RI 02919
(401) 725-5600
nbic.com
Expert Insurance
1705 Hartford Ave, Johnston, RI 02919
(401) 709-7720
expertinsurancegroup.com
Graham Insurance Inc. - Vincent S Podmaska - Nationwide Insurance
1465 Atwood Ave, Johnston, RI 02919
(401) 273-8700
grahaminsuranceinc.com
Smyth Business Solutions
1665 Hartford Ave, Johnston, RI 02919
(401) 227-9256
smythbiz.com
Kelvin Taveras: Allstate Insurance
1318 Plainfield St, Johnston, RI 02919
(401) 824-7813
agents.allstate.com
Capital Insurance Group
454 George Waterman Rd, Johnston, RI 02919
(401) 349-5757
Umbrella insurance provides an extra layer of liability protection beyond your auto, home, or boat insurance policies. In Johnston, Rhode Island, agents can help you secure coverage that kicks in when your underlying policy limits are exhausted. Rhode Island law requires minimum auto liability limits of 25/50/25, making umbrella coverage a smart choice for residents seeking additional financial security.
What Does a Umbrella Insurance Agent in Johnston Cost?
Umbrella insurance costs in Rhode Island typically range from 150 to 400 dollars per year for 1 million dollars of coverage. Higher limits, such as 2 to 5 million dollars, may cost between 300 and 800 dollars annually. Factors like your driving record, number of properties, and claims history affect the premium. 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 Johnston do?
An umbrella insurance agent in Johnston helps you assess your liability risks and find a policy that extends coverage above your existing insurance limits. They review your assets and lifestyle to recommend an appropriate coverage amount. The agent also assists with policy applications and claims support.
How much umbrella coverage do I need in Rhode Island?
Most agents recommend at least 1 million dollars in umbrella coverage, but your specific needs depend on your assets, income, and risk factors. Rhode Island courts often award high verdicts in liability cases, so higher limits may be wise for homeowners or business owners. An agent can calculate a suitable amount based on your net worth and potential exposure.
Can I get umbrella insurance if I have a rental property in Johnston?
Yes, umbrella insurance can cover liability from rental properties you own in Johnston or elsewhere. The policy typically extends to claims like tenant injuries or property damage. You will need underlying landlord insurance with adequate limits before the umbrella coverage applies.
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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.