Skip to main content

Rhode Island Personal Property Insurance That Safeguards What Matters Most

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.

Get a Personal Property Quote in RI

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)
Get A Quote

Explore Our Rhode Island Personal Insurance Services

From Our Clients

kristine richard
20:07 23 Jul 25
It was a pleasure working with my agent Finn Collins. I recently switched my Auto and Home/Umbrella Insurance over and he made the transition smooth and seamless. He was fast with the quotes and very responsive in getting the new policies set up.
Marissa Wharton
13:49 01 Jul 25
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
Fred Hewett
17:03 13 Jun 25
I worked with Paulo Botelho of Segreve & Hall on obtaining insurance for a new seasonal residence in Maine. Paul was very knowledgeable, efficient, very easy to work with and I was able to quickly obtain excellent coverage at a premium much lower than I expected. I highly recommend Paulo and his firm.
haley connelly
19:12 09 Jun 25
I worked with Hunter and Adam on getting health insurance last minute. I was unaware I’d lose coverage when I turned 26 and was desperate for help. They made the process simple for me and I had no gap in coverage. I look forward to working with them in the future for my other insurance needs.
Emily Jutras
19:04 06 Jun 25
Great communication from them. Always answer all my questions promptly and are great to work with.
John Giardina
15:47 06 Jun 25
I had an exceptional experience working with Hunter and his amazing team, Adam and Michael. From the very first consultation, Hunter took the time to thoroughly understand my needs and explained all my options with clarity and patience. His professionalism, expertise, and genuine care made the entire process smooth and stress-free.Thanks to Hunter and his team, I now have a comprehensive life insurance plan that gives me peace of mind for the future. I highly recommend them to anyone seeking trustworthy, knowledgeable, and caring insurance professionals. Five stars.
Carol Zuccala
13:06 06 Jun 25
Paulo is so very helpful with everything we have needed so far. He even had to re-route our policy from an old address and did that without a problem. Very smooth transition from our former agency. Thank you Paulo!
Jared Shepard
20:20 05 Jun 25
I was looking for both flood and homeowner's insurance for my first home with my fiance, and a client connected me with Michael Segreve. I worked with Michael Brandolini to get both homeowner's insurance and and flood insurance, as well as a new auto policy. Michael was extremely helpful and prompt, and a great communicator. I strongly recommend Segreve and Hall, specifically Michael Brandolini for insurance needs!
Hugo Tavares
15:15 05 Jun 25
Great staff , Communication on point, Very helpfulHighly recommend this agents.
Feed My Lamb Uganda
15:07 05 Jun 25
They have helped me and I'm satisfied beyond measure they are really good for me
Nick Fitopoulos
14:49 05 Jun 25
I recently turned 26 and needed to find my own health insurance for the first time. I worked with Hunter, who made the entire process incredibly smooth and stress-free. He took the time to explain my options clearly and helped me enroll in a Tufts plan that fits my needs perfectly. What I expected to be a confusing and overwhelming experience turned out to be simple and straightforward, thanks to Hunter and the Segrave & Hall Team. I’m so grateful for their support and highly recommend their services!
Shane Levy
21:53 04 Jun 25
Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.
Steve Parent
09:17 31 May 25
Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible
Michael Mannion
18:08 16 May 25
Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!
Derik
16:03 14 May 25
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
Murilo Vidal
17:01 13 May 25
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
Taylor Augello
22:32 07 May 25
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Kevin Ham
12:52 07 May 25
Thomas and Sean are awesome they have been instrumental in the success of my business!
Curtis Perry Jr
18:39 06 May 25
Awesome people easy to work with Tom awesome at his job
Ryan Cogan
14:02 05 May 25
Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve & Hall in the future.

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.

Translate