Navigating Rhode Island waters—whether along Narragansett Bay or inland lakes—comes with risks. Standard homeowners policies rarely cover boats, and auto policies don’t apply. Rhode Island Personal Boat Insurance offers essential protection, covering physical damage, liability, and more. At Segreve & Hall, we tailor policies to match your vessel, usage, and coastal or inland lifestyle—so you can enjoy the water with confidence.
Rhode Island Personal Boat Insurance That Keeps Your Adventures Afloat
Trusted by Businesses for 30+ years 
Comprehensive Protection on Water and Land
Coverage for your boat, trailer, equipment, and liability
Rhode Island boaters should consider coverage for:
- Damage to your vessel, engine, and trailer
- Theft, fire, vandalism, and wind-related loss
- Liability coverage for bodily injury or property damage
- Medical payments for yourself and passengers
- Fuel spill or wreck removal costs
This ensures you’re protected whether your boat is docked, in transport, or on the open water.
Compliance with Rhode Island Boating Regulations
Meet state registration and coverage requirements
Rhode Island law requires boaters to register vessels and carry insurance with minimum liability limits of $25,000 per person, $50,000 per accident, and $25,000 in property damage liability when operating a motorized boat. You must show proof of insurance upon request by law enforcement while on the water. Segreve & Hall ensures your policy meets these legal requirements and any marina or lender mandate
Local Expertise for Ocean and Lake Boaters
Insurance that fits your boating habits and local needs
Whether you’re sailing off Newport, fishing Narragansett Bay, or exploring inland lakes, we help you choose coverage that matches your boating style. We consider:
- Type of vessel (powerboat, sailboat, PWC)
- Storage location (dock, dry stack, trailer)
- Frequency and location of use (coastal vs inland)
- Boating safety certification status
Many insurers offer discounts for Rhode Island DEM-approved safety course completion through programs overseen by the Rhode Island Department of Environmental Management
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From Our Clients
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!
RG
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I had an excellent experience working with Segreve & Hall. They were incredibly customer-centric, responsive, and made the entire process easy from start to finish. Their team went above and beyond to make sure everything was handled quickly and correctly. I highly recommend them to anyone looking for knowledgeable, reliable, and genuinely helpful insurance experts.
I received excellent service from Wanda E. Morales. She has always been available to help me with any questions or procedures related to my insurance, and every time I've needed something, she has resolved everything quickly, clearly, and efficiently. Her service is friendly, professional, and very reliable; her experience and commitment to her clients are truly evident. I am extremely grateful for her patience, support, and the peace of mind I get from knowing I can count on her in any situation. I highly recommend her.
We had an excellent experience with this insurance company. Wanda and Dan were very efficient and provided all the information we needed promptly. Special thanks to Dan, who went above and beyond to find my mother more coverage for less money. His professionalism and attention to detail made the process smooth and stress-free. Highly recommend their services!
I’ve had my liability insurance for my small business with Segreve & Hall for many years. The customer service wasn’t always that fast. But now that I’m working with Michael Brandolini directly I’ve had a great experience. He always responds in a timely manner. Would recommend him to anymore looking for insurance.
Used S&H to insure my very first condo - although I've owned several homes, this is the first time in condo-land, and I was pretty unfamiliar with the process. Thomas helped walk me through all the options, and also the fact that we ended up closing 2.5 weeks later than anticipated! He also helped with quite a few special circumstances. Very happy and would work with them again!
My friend recommended this agency to me, and they’ve been great to work with, especially working with Paulo! He is always quick to respond and really helpful whenever needed. Working with them has been very simple and stress-free, which I really appreciate. Definitely recommend them to anyone who is looking!
I’ve had an excellent experience with Segreve & Hall Insurance Associates Inc., especially thanks to Paulo Botelho. Paulo went above and beyond to make the entire process smooth, clear, and stress-free. He was incredibly responsive, knowledgeable, and took the time to explain all my options in detail. It’s rare to find someone who truly cares about finding the best coverage and value for their clients, but Paulo does exactly that. I highly recommend reaching out to him and the team at Segreve & Hall if you’re looking for great service and genuine professionalism.
Michael Brandolini was fantastic to work with! He helped me get a competitive insurance quote for risk and liability and took the time to go over all the coverage details, making adjustments as needed. He was prompt, professional, and a pleasure to work with throughout the process. I highly recommend Michael to anyone looking for insurance quotes!
Mike Brandolini and team were able to save the day to get us in our new car quickly and, better yet, at a significantly lower insurance rate. The entire process was seamless, painless, and quick. We are so glad we found Segreve & Hall! Thank you!
Worked with Geoffrey for our home and flood insurance!
Geoffrey helped us secured a great deal. Geoffrey is very kind and honest, has vast experience in insurance domain , and does not tries to oversell any unwanted stuff. He promptly and patiently answered all our questions . It was a great experience working with Geoffrey Cedrone.
Geoffrey helped us secured a great deal. Geoffrey is very kind and honest, has vast experience in insurance domain , and does not tries to oversell any unwanted stuff. He promptly and patiently answered all our questions . It was a great experience working with Geoffrey Cedrone.
The staff at Segreve & Hall are always welcoming and always seem to have an answer to any questions I may have. The insurance consultant Michael Brandolini is quick with his response and makes time for you. He helped me to navigate insurances and have a good understanding of them. Thank you
Frequently asked questions
Is boat insurance mandatory in Rhode Island?
Yes. For motorized vessels, Rhode Island law mandates liability insurance with minimum coverage of $25,000 per person, $50,000 per accident, and $25,000 property damage. You must also carry proof of your policy while operating the vessel. Other types of watercraft or recreational vessels may be exempt depending on registration status.
Does homeowners insurance cover my boat in Rhode Island?
Typically not. Homeowners or renters policies usually offer limited coverage for smaller boats (e.g., under 26 feet or low value), and they don’t include liability protection. Dedicated boat insurance provides broader, more reliable protection tailored for watercraft.
Can I save on boat insurance premiums in Rhode Island?
Yes. You may qualify for discounts by:
- Completing an RI-approved boating safety course
- Handling proper maintenance and safety equipment
- Bundling boat insurance with home or auto policies
- Demonstrating low usage or off-season storage patterns
Our agents help identify savings opportunities based on your situation.
