Rhode Island has 1,101,801 residents. We list 14 agencies for umbrella insurance in Rhode Island. Here is what the local numbers say about the cover people here need.

Rhode Island at a glance

14umbrella insurance agencies listed
36.4%of households rentRenters insurance
$404,200median home valueHome insurance
1962median year homes were builtRebuild cost calculator
9.1%of households have no carAuto insurance

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

Natural hazard risk across Rhode Island

How many of Rhode Island’s 5 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Inland flooding1 of 5 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.
Flood insurance in every state
Lightning1 of 5 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Rhode Island
Ice storm1 of 5 counties

Source: FEMA National Risk Index, December 2025 release.

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.

Insurance companies Rhode Island agencies work with

Of the 14 Rhode Island agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Liberty Mutual7 agencies
Nationwide6 agencies
Nationwide (Allied)6 agencies
Travelers6 agencies
Chubb5 agencies
Liberty Mutual (Safeco)5 agencies
Nationwide (Colonial)5 agencies
Safeco5 agencies
American Modern4 agencies
Employers4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Umbrella insurance in Rhode Island

All insurance agencies in Rhode Island · Umbrella insurance in every state

Where can I find umbrella insurance in Rhode Island?

Pick your city in the list on this page to see every agency there that offers umbrella insurance, or search by name or ZIP code.

What does umbrella insurance cover?

Extra liability limits that sit above your home and auto policies.

Which insurance companies do Rhode Island agencies work with?

Among the 14 Rhode Island agencies whose appointments we hold, the companies they are most often appointed with are Liberty Mutual (7), Nationwide (6), Nationwide (Allied) (6), Travelers (6), Chubb (5). An appointed agency can quote that company's policies.

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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