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
Andrew Senesi
15 hours ago
Geoffrey Cedrone did an excellent job helping me find a new car insurance policy. He answered all my questions and was extremely knowledgeable throughout the entire process. I would absolutely recommend using him, and I will be asking for his help again in the future!
biao huang
3 days ago
Been great working with Sean S for my home insurance. strongly recommend!
Manny Terra
7 days ago
My agent is Paulo Botelho he was great to explain to me about the policy I’ve got and I’m very happy with it and I’m actually referring him to friends and family thank you Paulo
Samuel Silva
7 days ago
We had a wonderful experience working with Paulo Botelho at Segreve & Hall insurance. Paulo has been extremely helpful, knowledgeable, and professional throughout the entire process. He always take the time to answer my questions, explain everything clearly, and make sure we understand our options. His patience, attention to detail, and dedication yo providing excellent customer service are truly appreciated. We highly recommend Paulo to enyone looking for a trustworthy and reliable insurance professional!
anthony carrera
7 days ago
I’ve had a great experience with Segreve & Hall Insurance! Paulo Botelho was great, very professional, and excellent at his work. He was always helpful and quick to answer any questions. I highly recommend their services!
Emily Duseau
1 week ago
I’ve had a great experience with Segreve & Hall insurance and would definitely recommend them! Paulo Botelho is especially helpful and addresses questions right away.
Cristy Donis
1 week ago
Paulo was very helpful and responsive when we needed to get additional insurance for a new contract. Great service from Segreve & Hall.
Larissa Da Silva
1 month ago
I had a great experience Segreve & Hall! They are extremely attentive, professional, and always willing to help. Every time I have a question, they respond quickly and make sure everything is clearly explained. Their customer service is excellent, and I truly appreciate how supportive and reliable they are. It’s great to work with a company that genuinely cares about its clients. Highly recommend!
Phil Murphy
2 months ago
For years my family and I have received outstanding service from Segreve & Hall for our home and auto insurance needs. Their team is knowledgeable, responsive, and always takes the time to explain our options and help us select the right coverage.
Over the past several years due to my experience with them, I have also invested through their financial division, Compass Financial. Their team has provided thoughtful guidance and excellent advice regarding my investments.
I truly appreciate the professionalism, personal attention, and dependable service both companies have provided. I highly recommend Segreve & Hall and Compass Financial to anyone seeking trusted insurance and financial guidance.
Rosella Cedrone
3 months ago
I have been insured with Michael Segreve and continued with Segreve and Hall for over 37 years. My experience with them has always been very informative; positive, pleasant and professional. Michael has guided me financially for many years and without his knowledge of finances I would have never been able to purchase my house and have retirement savings.
The office staff and insurance agents have always been very helpful and supportive no matter what the circumstances are.
I will continue to insure my home, business, all my vehicles and financial needs with Segreve and Hall because they are the best!
Peter Alabiso
4 months ago
I recently rewrote my auto, homeowners and umbrella policies with Segreve and Hall, who came highly receommended. Working with Sean was very straightforward and efficient. All questions were answered, in a very professional manner. A significant savings over the policies my former agent had me in for identical coverage. Very happy with the interaction and result.
Andy Chiango
4 months ago
I have been a client of Segreve and Hall for some time now. I have had nothing but great experiences and interactions with the team at Segreve and Hall. Dan St. Pierre has always been my go to point of contact. Recently, Dan was out and Fin and Michael Brandolini helped me transfer an auto policy. As always the team was great. They quickly worked through the process and got me into a new policy. They have all of my insurance business and I am grateful.
Dreams T.
4 months ago
Michael Brandolini at Segreve Hall was outstanding to work with. He was friendly, professional, and always on top of everything throughout the entire process. He followed up consistently, responded quickly whenever I had questions, and made everything easy and stress-free. On top of providing exceptional customer service, he found me the best price for my car insurance. I truly couldn't have asked for a better agent. I highly recommend Michael to anyone looking for someone who genuinely cares about their clients and goes the extra mile, especially when dealing with car insurances and quotes. I was recommended to reach out to him and he saved me money and time and stress. Thank you Michael; it was much appreciated.
Kellie S
4 months ago
Excellent experience with Segreve & Hall Insurance Associates! Thomas went above and beyond to make sure I had the right coverage and everything was accurate. He also helped resolve an issue with my renters insurance by quickly updating the documentation multiple times, which saved me from unnecessary charges by my apartment complex. The team was always responsive, professional, and genuinely cared about getting everything right. Highly recommend!
Victoria Cusanello
4 months ago
Three generations of my family are insured through Segreve and Hall, and I cannot speak more highly of the service Thomas has provided for us recently. When I needed my car insured after moving back to MA, he took care of everything. It is hard to come by a trustworthy company like Segreve and Hall that consistently exceeds expectations and is so responsive and transparent at the same time. Highly recommend these folks for any and all insurance needs!
Dennis Molla
5 months ago
We've been using S & H Insurance Associates for 10+ years.
I have all of my construction company insurance with them + personal cars and motorcycle.
They work efficiently, get back to me with information quickly, never any problems.
Highly recommend them.
Maryanne Ham
6 months ago
We recently transferred over our insurance and received prompt, kind, and professional support throughout the process. Thomas S made everything easy and took the time to answer our questions clearly. We really appreciated the smooth experience and excellent customer service.
Emad Lababidi
6 months ago
I have been working with S&H insurance for the past few years; I have insured multiple properties and autos. S&H has provided me excellent service, prices and has been responsive to all the questions I had throughout the years. Sean, Dan, Ashley and other staff have been excellent with the attitude and friendliness to work with. They have even asked me to provide my kids school transcript in order to help us reduce the cost of the insurance. They have gone above and beyond in service compared to many insurance companies I have dealt with in the past. They have provided me with many quotes from different sources to compare prices and made the process easy to select the right insurance for us. I would recommend S&H Insurance company to anyone because of the responsiveness, knowledge and reliability.
Tim Klingenberger
7 months ago
Every once in a great while , and seldom these days, you meet a true professional.
Paul Botelho is an absolute Professional.
I was really impressed by Paul and his professional, fast, and friendly service.
He answered all my questions and guided me through the things in needed help on.
After 35 years working with the top luxury brands I can definitely say that Paul provides a high performing top tier service that feels like a luxury experience with great pricing. You’ll be glad you called him. He truly appreciates his clients and it shows.
Etson Tavares
7 months ago
Always great to work with Segreve & Hall. The people there are fantastic, professional and they help make the process simple and stress free. Second time getting a different policy and both times went smoothly. This recent policy was a commercial policy and I was assisted by Paulo. He was extremely helpful and worked diligently to get me the best price possible. Given the current insurance market conditions I’m extremely satisfied with the premium I received. Top notch customer service. More importantly the continued customer support they provide. Highly recommend Segreve and Hall.
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.
