Standard insurance policies have limits—but lawsuits and accidents don’t. In a state like Rhode Island, where litigation and liability risks are real, Rhode Island Personal Umbrella Insurance provides vital protection. This extra layer of liability coverage helps protect your savings, property, and future earnings from high-cost claims that exceed your homeowners, auto, or boat insurance limits. At Segreve & Hall, we tailor umbrella coverage to your lifestyle and risk exposure—so you’re never left financially exposed.
Rhode Island Personal Umbrella Insurance for When Life Goes Beyond the Unexpected
Trusted by Businesses for 30+ years 
Why Rhode Islanders Choose Umbrella Insurance
Protect yourself from costly lawsuits and liability risks
If you’re involved in a serious car accident or someone is injured on your property, your standard policy limits can run out fast. Rhode Island Personal Umbrella Insurance provides extended liability protection in cases such as:
- Major auto accidents involving severe injuries
- Slip-and-fall accidents on your property
- Accusations of libel, slander, or defamation
- Legal claims related to rental properties
- Personal lawsuits from social media or online activity
According to the Rhode Island Department of Business Regulation (DBR), consumers should evaluate their total liability exposure when choosing policies, especially as legal and medical costs rise. Umbrella insurance is a smart, affordable way to shield your financial future.
Affordable Coverage With High-Value Protection
Millions in coverage—often for just a few hundred dollars a year
Umbrella insurance is one of the best values in personal insurance. In Rhode Island, policies typically start at $1 million in coverage and cost just a few hundred dollars per year. Segreve & Hall helps you compare carriers and coverage options, so you get the right protection at the right price.
Customized Protection for Rhode Island Families
Coverage designed around your life, assets, and activities
We customize umbrella policies to reflect your lifestyle and liability exposure. This is especially important if you:
- Own property or rental units
- Have a swimming pool or trampoline
- Employ household staff
- Have teenage drivers or frequent guests
- Participate in volunteer work or serve on boards
Umbrella insurance gives you extra peace of mind without the complexity. We make the process simple—from quote to coverage.
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From Our Clients
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.
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!
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.
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.
Great communication from them. Always answer all my questions promptly and are great to work with.
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.
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!
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!
Great staff , Communication on point, Very helpfulHighly recommend this agents.
They have helped me and I'm satisfied beyond measure they are really good for me
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!
Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.
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
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!
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Thomas and Sean are awesome they have been instrumental in the success of my business!
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
Is umbrella insurance required in Rhode Island?
No. It’s not legally required, but it is highly recommended for anyone with financial assets to protect. Lawsuits in Rhode Island can result in six- or seven-figure judgments. Umbrella insurance can help cover those excess costs so you don’t have to pay out of pocket.
Does umbrella insurance cover legal fees?
Yes. Most policies cover attorney fees and legal defense costs—even if you are not found liable. This makes umbrella insurance especially valuable in claims involving defamation, injury lawsuits, or auto accidents.
How much umbrella insurance should I carry in Rhode Island?
A typical starting point is $1 million, but higher limits are available based on your net worth and risk factors. If you own multiple properties, have a high income, or are involved in activities that increase liability risk, a higher limit may be wise. We’ll help you determine the right amount based on your unique situation.
