Home insurance · Rhode Island

Home Insurance Agencies in Pawtucket, RI

Covers your building, your contents and your liability as a homeowner.

Local insight

Home insurance in Pawtucket: what to know

Pawtucket has 75,893 residents in 30,598 households. We list 3 agencies for home insurance in Pawtucket. Here is what the local numbers say about the cover people here need.

Pawtucket at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Providence County

FEMA rates the overall natural hazard risk in Providence County, where most Pawtucket agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:

  • Inland floodingRelatively High

    Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

    Flood insurance
  • LightningRelatively High

    Fire and lightning are standard covered causes of loss on home policies.

    Home insurance in Pawtucket
  • Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Rhode Island

Rhode Island requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. A combined single limit of $75,000 is accepted instead.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Rhode IslandHow much liability cover do you need?

Source: rules.sos.ri.gov. Checked 2026-10-24.

Where Pawtucket agencies are

Pawtucket agencies we list sit in 2 ZIP codes, mostly in Providence County.

  • 028612 agencies
  • 028621 agency

Questions

Home insurance in Pawtucket

All insurance agencies in Pawtucket · Home insurance across Rhode Island

Where can I find home insurance in Pawtucket?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does home insurance cover?

Covers your building, your contents and your liability as a homeowner.

Do I need flood insurance in Pawtucket?

FEMA's National Risk Index rates inland flooding risk in Providence County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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