Royer Camp & Associated Insurance, Inc.
573 East Main Street, Newport, VT 05855
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573 East Main Street, Newport, VT 05855
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Newport residents.
Newport homeowners face unique insurance challenges. Learn about flood requirements, hurricane deductibles, historic property coverage, and how to save.
Yes, you should strongly consider it. Newport's position on Aquidneck Island means storm surge can push water inland during hurricanes and nor'easters, affecting properties well away from the immediate coastline. FEMA flood maps show risk zones throughout the city, and flood insurance is relatively affordable if you're in a moderate-risk zone. Even a few inches of water can cause tens of thousands in damage that your standard homeowners policy won't cover.
Historic homes in Newport typically cost 20% to 50% more to insure than comparable modern homes because of specialized reconstruction requirements, architectural details, and materials that aren't readily available. For a historic property worth $500,000 to $700,000, expect to pay $3,500 to $5,000 per year or more. Working with an insurer experienced in historic properties like AIG or Chubb is essential to ensure proper coverage.
Rhode Island requires minimum liability coverage of 25/50/25, which means $25,000 per person for bodily injury, $50,000 per accident for multiple people, and $25,000 for property damage. However, these minimums are often inadequate for serious accidents, and most financial advisors recommend at least 100/300/100 coverage plus an umbrella policy if you own significant assets like a Newport home.
Most Rhode Island homeowners policies include windstorm and hurricane coverage, but with a separate percentage-based deductible that's typically 2% to 5% of your dwelling coverage. This means you'll pay the first $10,000 to $25,000 of wind damage out of pocket before insurance kicks in. Review your policy's wind deductible carefully and consider whether you can afford that amount in the event of a major hurricane.
Absolutely. Renters insurance costs just $15 to $25 per month and covers your belongings, liability if someone gets hurt in your unit, and temporary housing if your apartment becomes unlivable. The liability coverage alone is worth it—if someone slips on your wet floor and sues you for medical bills, your renters policy protects you. It's one of the best insurance values available.
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