Agency Performance Partners
5775 Post Road, #562, East Greenwich, RI 02818
View this agency's profile to learn more about their services.
Loading...
City directory
East Greenwich households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
5775 Post Road, #562, East Greenwich, RI 02818
View this agency's profile to learn more about their services.
17 Sixth Avenue, East Greenwich, RI 02818
View this agency's profile to learn more about their services.
17 6th Ave, East Greenwich, RI 02818
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to East Greenwich residents.
Get home insurance in East Greenwich, RI. Coastal risk, historic homes, flood coverage, and costs explained. Plus how to navigate RI's tight insurance market.
Car InsuranceComplete guide to auto insurance in East Greenwich, RI. Learn about state requirements, coastal risks, coverage options, and ways to save on premiums.
General Insurance EducationEssential insurance guide for East Greenwich, Rhode Island. Learn about flood zones, historic home coverage, auto requirements, and waterfront risks.
Even if your home isn't in a designated high-risk flood zone, you should seriously consider flood insurance. East Greenwich's proximity to Narragansett Bay means coastal storms, nor'easters, and heavy rainfall can cause flooding. More than 20% of flood insurance claims come from properties outside high-risk zones. With policies averaging around $1,329 annually in Rhode Island, the protection is often worth the cost compared to the tens of thousands you'd pay out of pocket for flood damage.
East Greenwich homeowners typically pay between $1,650 and $2,300 annually for home insurance, though your actual cost depends on your property value, credit score, coverage limits, and proximity to the coast. Homes with higher replacement costs or waterfront exposure often pay more. Your credit score can have a dramatic impact—homeowners with excellent credit may pay around $1,362, while those with poor credit could pay over $3,000 for similar coverage.
Yes, Rhode Island's insurance market has tightened significantly. At least two major insurers have stopped writing new policies in the state, and others are selective about which homes they'll cover. Premiums have increased 25-40% over the past five years, particularly in coastal areas. Some homeowners are being pushed into the Rhode Island FAIR Plan, which typically costs 40-50% more than private market policies. Shopping with multiple insurers and working with an independent agent is more important than ever.
Historic homes in East Greenwich often need extended replacement cost coverage or agreed value policies because restoration costs exceed standard construction. Period-appropriate materials, specialized craftspeople, and compliance with preservation guidelines all increase repair costs. Ask about ordinance or law coverage, which pays for bringing your home up to current codes after a loss. Some insurers specialize in historic properties and better understand these unique needs.
Market value is what someone would pay to buy your home—influenced by location, comparable sales, and East Greenwich's desirable real estate market. Replacement cost is what it would cost to rebuild your home from scratch using current construction prices and labor rates. For insurance purposes, you need coverage based on replacement cost, not market value. In East Greenwich, where property values have risen 95% since 2012, these numbers can differ significantly.
Yes, new integrated policies have recently become available in Rhode Island. ShoreOne entered the state in 2025 offering combined homeowners and flood coverage with a single deductible. This can simplify claims after major storms and potentially reduce overall costs. However, you should still compare these integrated policies against traditional separate coverage from the National Flood Insurance Program and private insurers to determine which option offers the best value for your specific property.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network