Your home stores more than furniture—it holds memories, valuables, and livelihood. Standard homeowners or renters policies may offer limited protection for personal belongings. That’s why Rhode Island Personal Property Insurance offers tailored coverage options to cover high-value items or gaps left by standard plans. At Segreve & Hall, we help design policies to ensure your most important possessions are fully protected.
Rhode Island Personal Property Insurance That Safeguards What Matters Most
Trusted by Businesses for 30+ years 
All‑Risk Coverage for Every Day Belongings
Protect your possessions from unexpected damage or loss
Rhode Island residents face various threats—from coastal storms to urban break-ins. Personal property insurance covers:
- Furniture, appliances, electronics
- Clothing, shoes, and personal items
- Collectibles, art, and heirlooms
- Theft, vandalism, fire, and wind damage
- Accidental water damage, falling objects, and more
This peace-of-mind coverage fills gaps where standard home or renters policies fall short.
Special Protection for High‑Value Items
Insure your most cherished belongings for true value
Standard insurance often limits payouts for expensive items like jewelry, artwork, or designer goods. With Rhode Island Personal Property Insurance, you can add specific coverage options for:
- Jewelry, watches, and valuables
- High-end electronics and instruments
- Artwork, collectibles, antiques
- Special equipment or sporting gear
We value your lifestyle and belongings—and help ensure they’re insured accordingly.
Protected by Rhode Island Consumer Protections
Policies that adhere to state filing, claims, and rate standards
Rhode Island’s Department of Business Regulation enforces strict rules to protect consumers. Insurers must:
- File and justify rate changes and policy forms for approval
- Acknowledge property claims within 10 business days and finalize decisions within 30 days of documentation
- Adhere to unfair claims and non-renewal practices under state regulations (230‑RICR‑20‑40‑2 and 230‑RICR‑20‑05‑13)
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From Our Clients
I have been insured with Michael Segreve and continued with Segreve and Hall for over 37 years. My experience with them has always been very informative; positive, pleasant and professional. Michael has guided me financially for many years and without his knowledge of finances I would have never been able to purchase my house and have retirement savings.
The office staff and insurance agents have always been very helpful and supportive no matter what the circumstances are.
I will continue to insure my home, business, all my vehicles and financial needs with Segreve and Hall because they are the best!
The office staff and insurance agents have always been very helpful and supportive no matter what the circumstances are.
I will continue to insure my home, business, all my vehicles and financial needs with Segreve and Hall because they are the best!
I recently rewrote my auto, homeowners and umbrella policies with Segreve and Hall, who came highly receommended. Working with Sean was very straightforward and efficient. All questions were answered, in a very professional manner. A significant savings over the policies my former agent had me in for identical coverage. Very happy with the interaction and result.
I have been a client of Segreve and Hall for some time now. I have had nothing but great experiences and interactions with the team at Segreve and Hall. Dan St. Pierre has always been my go to point of contact. Recently, Dan was out and Fin and Michael Brandolini helped me transfer an auto policy. As always the team was great. They quickly worked through the process and got me into a new policy. They have all of my insurance business and I am grateful.
Excellent experience with Segreve & Hall Insurance Associates! Thomas went above and beyond to make sure I had the right coverage and everything was accurate. He also helped resolve an issue with my renters insurance by quickly updating the documentation multiple times, which saved me from unnecessary charges by my apartment complex. The team was always responsive, professional, and genuinely cared about getting everything right. Highly recommend!
Three generations of my family are insured through Segreve and Hall, and I cannot speak more highly of the service Thomas has provided for us recently. When I needed my car insured after moving back to MA, he took care of everything. It is hard to come by a trustworthy company like Segreve and Hall that consistently exceeds expectations and is so responsive and transparent at the same time. Highly recommend these folks for any and all insurance needs!
We've been using S & H Insurance Associates for 10+ years.
I have all of my construction company insurance with them + personal cars and motorcycle.
They work efficiently, get back to me with information quickly, never any problems.
Highly recommend them.
I have all of my construction company insurance with them + personal cars and motorcycle.
They work efficiently, get back to me with information quickly, never any problems.
Highly recommend them.
We recently transferred over our insurance and received prompt, kind, and professional support throughout the process. Thomas S made everything easy and took the time to answer our questions clearly. We really appreciated the smooth experience and excellent customer service.
I have been working with S&H insurance for the past few years; I have insured multiple properties and autos. S&H has provided me excellent service, prices and has been responsive to all the questions I had throughout the years. Sean, Dan, Ashley and other staff have been excellent with the attitude and friendliness to work with. They have even asked me to provide my kids school transcript in order to help us reduce the cost of the insurance. They have gone above and beyond in service compared to many insurance companies I have dealt with in the past. They have provided me with many quotes from different sources to compare prices and made the process easy to select the right insurance for us. I would recommend S&H Insurance company to anyone because of the responsiveness, knowledge and reliability.
Every once in a great while , and seldom these days, you meet a true professional.
Paul Botelho is an absolute Professional.
I was really impressed by Paul and his professional, fast, and friendly service.
He answered all my questions and guided me through the things in needed help on.
After 35 years working with the top luxury brands I can definitely say that Paul provides a high performing top tier service that feels like a luxury experience with great pricing. You’ll be glad you called him. He truly appreciates his clients and it shows.
Paul Botelho is an absolute Professional.
I was really impressed by Paul and his professional, fast, and friendly service.
He answered all my questions and guided me through the things in needed help on.
After 35 years working with the top luxury brands I can definitely say that Paul provides a high performing top tier service that feels like a luxury experience with great pricing. You’ll be glad you called him. He truly appreciates his clients and it shows.
Always great to work with Segreve & Hall. The people there are fantastic, professional and they help make the process simple and stress free. Second time getting a different policy and both times went smoothly. This recent policy was a commercial policy and I was assisted by Paulo. He was extremely helpful and worked diligently to get me the best price possible. Given the current insurance market conditions I’m extremely satisfied with the premium I received. Top notch customer service. More importantly the continued customer support they provide. Highly recommend Segreve and Hall.
Segreve Hall insurance made the process of getting insurance easy. We checked with multiple agencies and firms, however Thomas helped us find the best deal for our new home. He was extremely responsive and patient with us throughout the whole process. We will definitely be going to them for any of our insurance needs.
I had a great experience working with Segreve & Hall Insurance, especially with Paulo Botelho. I checked with a few different agencies, but this one truly went above and beyond. Paulo was super helpful, responsive, and found me excellent prices—especially with having multiple policies. The whole process was smooth and stress-free. Highly recommend!
I was looking for a commercial auto policy and found Segreve & Hall online. I decided to give them a try based on their excellent reviews. I spoke with Dan St. Pierre first, and provided information on the phone and via email. Within a couple of hours, Paulo Botelho sent me two very competitive quotes. I was already impressed by how responsive they were. Then I had several phone calls with Paulo on the following days, and went over the details. Since this was my first commercial policy, Paulo gave me a very good explanation of its differences from a personal one. He also helped adding the business name to the registry. It has been a great experience working with Paulo. I have no hesitation recommending Segreve & Hall to anyone with insurance needs. A job well done!
I was looking to change insurance and reduce our out of pocket expenses for both auto and homeowners. Paul Botelho came highly recommended to me and he did not disappoint. He advised what the best option would be and then he streamlined the change very quickly. He kept me informed of the process and answered all my questions promptly and was a wealth of knowledge. I would highly recommend Segreve and Hall as well as Paul.
Paulo was an awesome help! Helped me save hundreds on my auto insurance. 10/10 recommend doing business with him. I’ve already sent family members his way for insurance, and will continue to send anybody I know in need his way. Thanks again!
I have my home, business and autos with Segreve & Hall, very happy with the service, always very responsive to my needs and very knowlegeable. They always try offer alternatives to try to save me money. Michael Brandolini and the whole team at Segreve & Hall is alway very helpful when I call in.
The agency was enthusiastically recommended by a friend and everything has lived up to my expectations.Everyone at this agency has been great in helping me to obtain insurance for my new home and transfer my auto insurance. They have made it so easy. Each person I have dealt with has been professional, courteous, responsive and knowledgeable.
I dealt with Tom Segreve at Segreve & Hall when we wanted to compare different insurance companies for our homeowners and our auto policies. Tom was very helpful and checked several top insurance companies that they offer. He found us the right coverage and also saved us money! We highly recommend them!
Couldn't be more happy with the service I received from Brian Segreve at Segreve and Hall Insurance Associates. I recently bought my first home and he made getting my home and auto insurance easy and strait-forward, and I felt like he genuinely care about finding the best coverage for me and my family. All my questions were answered promptly, and everything was explained in a way that made sense. Highly recommend!
A relative referred me to S&H as I had indicated a change was needed with my current agent of 32yrs. I connected with Finn Collins at S&H and explained my situation and what I was hoping to do. He asked a few questions, I provided my coverage sheets and he took it home from there. He mapped all my options as requested to the T, made a few suggestions on gaps in my current plan and provided options all of which were better than my current rates but with more coverage. Too good to be true? I inquired on how drivers with near perfect driving records and a 30+yr relationship with existing carrier can get better rates with new carrier and no history. He provided industry white papers explaining how....Who knew? I do now. Thank you S&H and Thank you Finn C! I am passing on your info to my contacts!
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Frequently asked questions
Does personal property insurance replace homeowners or renters coverage?
No. This insurance works alongside—but does not replace—standard homeowners or renters policies. It provides added limits and protection where those policies may not pay enough—especially for high‑value items or exclusions like accidental damage.
What types of property are best insured under a personal property plan?
This coverage is ideal for:
- Collectibles, artwork, antiques
- Jewelry and valuable watches
- High-end electronics and photography gear
- Specialty sports equipment
- Home business equipment or furnishings
It allows you to insure these items at their full replacement or appraisal value.
What should Rhode Islanders know about insurance rates?
Property insurance premiums may be high in coastal or urban areas due to weather risks and higher property values. Regular policy reviews, bundling coverages, and detailed home inventories can help manage costs effectively.
