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Comprehensive Personal Insurance in Rhode Island

For decades, Chatterton Insurance has offered practical, affordable personal insurance in Rhode Island, New England, and beyond. We specialize in providing insurance policies tailored to your situation and delivered by local insurance agents who care about you and your family. Whether you need new coverage or want us to review your existing portfolio, we’ll help you find better insurance protection at better rates without unnecessary complexity. 

Home, Condo, and Renters’ Insurance

Most lenders require their clients to purchase home insurance to protect a mortgaged property, but even homeowners without a mortgage should carry the right insurance policy coverage. Living in a flood-prone area may also require you to have flood insurance. Luckily, Chatterton Insurance offers reliable and affordable home, condo, and renters’ insurance regardless of where you live in Rhode Island. 

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Auto, Cycle, ATV, and Watercraft Insurance

Insurance policies for cars, motorcycles, ATVs, RVs, and watercraft provide protection in two types of scenarios: physical damage and liability. Any time you are involved in an auto accident, chances are that your vehicle and the other driver’s vehicle have been damaged. Our auto insurance policy will provide financial coverage for your vehicle as well as any others involved in the accident, if you are found to be at fault. When injuries occur because of the accident, our insurance policies provide comprehensive liability coverage and protection for physical damage. 

Umbrella Insurance

Umbrella insurance in Rhode Island provides additional liability protection above the limits of your home, condo, renters’, motorcycle, ATV, watercraft, and auto insurance policies. It’s designed to help protect you from major claims and lawsuits. As a result, it safeguards your properties and your future. 

Earthquake Disaster

Flood and Earthquake Insurance

Floods and earthquakes are natural disasters that affect many people. Flooding can cause all sorts of damage to one’s living space, ranging from mild damage to severe. Because of this, residents who live in a high-risk flood zone are normally required to purchase flood insurance. However, those living in low- to moderate-risk zones are not. As a Rhode Island resident, you should know the importance of investing in flood insurance in the Ocean State, regardless of the risk status of your area, to protect your home. 

Meanwhile, earthquakes can threaten the integrity of your home’s foundations, chimneys, and structural systems, which are damage that standard home insurance policies often don’t cover. Earthquake insurance helps pay for repairs and rebuilding after seismic events and can be tailored to reflect your property’s construction and location. While flood or earthquake insurance won’t prevent damage, it can provide the financial resources needed to repair or rebuild 

Contact Us Today

Entrust your insurance policy needs to our experienced insurance agents. For unparalleled personal insurance services, feel free to reach out to us today.