Providence County has 664,854 residents in 259,210 households. We list 3 insurance agencies in Lincoln. Here is what the local numbers say about the cover people here need.

Lincoln at a glance

3insurance agencies listed
43.1%of households rentRenters insurance
$373,600median home valueHome insurance
1956median year homes were builtRebuild cost calculator
11.5%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Providence County (the Census does not publish Lincoln as a separate place). Agency count: our listings.

Natural hazard risk in Providence County

FEMA rates the overall natural hazard risk in Providence County, where most Lincoln 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 Rhode Island
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 Island How much liability cover do you need?

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

Questions

Insurance agencies in Lincoln

How do I find an insurance agency in Lincoln?

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.

Do I need flood insurance in Lincoln?

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.

Do I need renters insurance in Lincoln?

43.1% of households in Providence County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

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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