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
I’ve had an excellent experience working with Michael Brandolini as my auto insurance agent. He is always professional, responsive, and genuinely cares about helping his clients find the best coverage. Michael takes the time to explain details clearly and makes the whole process smooth and stress-free. I really appreciate his reliability and dedication, and I would highly recommend him to anyone looking for a trustworthy insurance agent.
Segregated & Hall Insurance were so helpful, especially Michael Brandolini, in finding my family new home and auto insurance. We have two teen drivers and were quoted a crazy rate. Michael reviewed our policies and saved us an incredible amount of money per year! I am very happy with their service!
My experience working with Segreve & Hall has been great. I recently purchased a car and while at dealership the salesperson said that we just had to wait for my insurence company to respond to finish the deal as he faxed the paperwork and it may take awhile. Few minutes later he responded saying wow that was the fastest ever getting information back. Thanks to Paulo Botelho and his speedy service I was in and out of the dealership in no time and the salesperson was also impressed!!
I had the pleasure of working with Michael Brandolini at Segreve & Hall insurance associates, and I can’t recommend them enough. They are extremely knowledgeable about insurance policies, regulations, and procedures, and they make even the most complex details easy to understand. Their professionalism and attention to detail gave me full confidence that I was making the best decisions for my needs.What stood out most was their ability to listen carefully, explain options clearly, and guide me through the entire process without ever feeling rushed or pressured. They were always quick to respond to my questions and went above and beyond to make sure everything was handled correctly and efficiently.If you’re looking for someone who is dependable, trustworthy, and truly has your best interest at heart, Michael Brandolini at Segreve & Hall is the person you want on your side.
I was put into contact with Segreve & Hall by the dealer I got my car from. Paulo has been excellent in helping me understand how everything works and making sure my car payments go through smoothly with no issues. Thank you for all your thoroughness and checking in on me to make sure everything is going okay! I appreciate you all so much. Highly recommend!!!
Michael Brandolini is a wonderful insurance agent and one of the best I have ever worked with! He is always incredibly responsive, no matter the time or day, and consistently goes above and beyond to provide the information I need quickly and clearly. Michael makes the whole process easy and stress-free, and I always feel confident knowing he has my best interests in mind. Highly recommend him to anyone looking for exceptional service and peace of mind.
The main reason I am giving 5 stars is because of Michael Brandolini’s amazing service. He is always very responsive, prompt and made sure I understood my policy in depth. He is a great addition to your company and I’m very grateful to have made this switch earlier this year. Grateful to have a smooth easy process with something that is very stressful for us all. Thank you to the company & Michael
Michael Brandolini was incredibly helpful! We had some last-minute changes for both my rental property and my new home, and he handled everything quickly and seamlessly. Excellent service and truly a pleasure to work with. Will be continuing to use this team for my future needs. 10/10 would recommend.
We were with another Insurance Agency for 30 years plus and our agent retired (a friend). No complicated policies, Family of 5 for home and auto insurance. It grew more and more difficult to deal with them, and often had to ask 3-4 times for info or policy adjustments. A friend recommended Segreve and Hall and we are glad that they did!!. Along with saving us thousands of dollars for the same policies , the service is fantastic. Any inquiry I send over via email, I have the answer within hours. A phone call has everything addressed without waiting for a call back. For us, appreciation for a customer and respect for their time means lot.!
M. Brandolini was excellent to work with. He gave my family members and myself excellent quotes.He took care of the transition from our old company to Segreve and Hall.I would highly recommend.
Outstanding service from start to finish. Brian Segreve has been a tremendous asset to my trucking company, securing commercial insurance coverage at a competitive rate. The team at Segreve & Hall is lightning-fast in responding to questions and COI requests, and their professionalism gives me complete confidence. I couldn’t be happier with the service they provide.
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.
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.
