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)
From Our Clients
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.
