ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Directory of umbrella insurance agents in North Smithfield, Rhode Island. Verify credentials with the state department of insurance before hiring.
5 agents listed
Updated May 2026
North 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 5 umbrella insurance agents in North 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.
Cara Benjamin: Allstate Insurance
125 Eddie Dowling Hwy, North Smithfield, RI 02896
(401) 765-5000
agents.allstate.com
Kaplansky Insurance- N. Smithfield Branch
636 Eddie Dowling Hwy, North Smithfield, RI 02896
(401) 765-1400
kaplansky.com
Bouley Insurance
117 Eddie Dowling Hwy # 3, North Smithfield, RI 02896
(401) 765-6311
Charles L Kirby Agency Inc
75 Eddie Dowling Hwy, North Smithfield, RI 02896
(401) 762-4500
clkirby.com
Hamel & Newton Adjusters LLC
250 Eddie Dowling Hwy Unit 2, North Smithfield, RI 02896
(401) 597-5830
An umbrella insurance agent in North Smithfield Rhode Island can help you secure a personal liability policy that extends beyond the limits of your standard home and auto insurance. Rhode Island law requires minimum auto liability coverage of 25,000 dollars per person and 50,000 dollars per accident, but an umbrella policy can provide an additional 1 million dollars or more in protection. This extra layer is especially valuable for North Smithfield residents who own property or have assets to safeguard against large lawsuits.
What Does a Umbrella Insurance Agent in North Smithfield Cost?
In Rhode Island, a 1 million dollar personal umbrella policy typically costs between 150 and 350 dollars per year. Rates vary based on your driving record, number of vehicles, home value, and the insurance carrier. Some insurers require you to have certain minimum underlying limits on your auto and home policies. This is general information and not insurance advice. Always consult a licensed agent for a quote tailored to your situation.
* 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 North Smithfield do?
An umbrella insurance agent helps you evaluate your current liability risks and find a policy that covers claims above your existing home and auto insurance limits. They review your assets and suggest an appropriate coverage amount, then shop among carriers to get you a competitive rate. The agent also assists with policy changes and claims support.
How much umbrella insurance do I need in Rhode Island?
Most Rhode Island agents recommend at least 1 million dollars in umbrella coverage, especially if you own a home, have a swimming pool, or engage in activities like boating. Higher net worth individuals often choose 2 million to 5 million dollars. Your agent will help you calculate the right amount based on your assets and potential lawsuit exposure.
Is umbrella insurance required in North Smithfield Rhode Island?
Umbrella insurance is not required by Rhode Island law, but it is strongly advised for anyone with significant assets or liability risks. Without it, a large lawsuit could exceed your standard policy limits and put your savings, home, or future wages at risk. Many agents recommend it as a cost-effective way to protect your financial future.
Free • No Obligation
Compare Umbrella Insurance Agents
Get matched with agents in North Smithfield who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
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.