Arthur D. Calfee Insurance Agency is excited to expand our services to Rhode Island homeowners, families, and businesses.
As an independent agency with more than 40 years of experience, we're committed to providing the same personalized guidance and responsive service that has defined our agency for decades.
As an independent agency with more than 40 years of experience, we're committed to providing the same personalized guidance and responsive service that has defined our agency for decades.
Whether you're purchasing your first home, protecting a coastal property, reviewing your auto insurance, or growing your business, having the right insurance starts with understanding your options.
As Arthur D. Calfee Insurance Agency expands into Rhode Island, we're excited to help homeowners, families, and businesses make informed insurance decisions with the same personalized service we've provided for more than four decades.
As Arthur D. Calfee Insurance Agency expands into Rhode Island, we're excited to help homeowners, families, and businesses make informed insurance decisions with the same personalized service we've provided for more than four decades.
Last Updated: August 2026
I only use my Rhode Island coastal home during the summer. Do I need different insurance?
Possibly. A seasonal coastal property presents a combination of risks because it may be unoccupied for extended periods while also being exposed to severe coastal weather. How often the property is occupied can therefore be important when choosing coverage.
We'll review how you use the home, how it's maintained while you're away, and its coastal exposure. From there, we can help you explore coverage designed around the property's actual use.
We'll review how you use the home, how it's maintained while you're away, and its coastal exposure. From there, we can help you explore coverage designed around the property's actual use.
I'm buying an older Rhode Island home. Will it be difficult to insure?
Not necessarily. Rhode Island has many beautiful older and historic homes, but insurance companies may look closely at features such as the roof, electrical wiring, plumbing, heating system, and previous renovations when evaluating them.
If you're considering an older property, contact us early in the buying process. We'll help identify potential insurance considerations and explain what information or updates a carrier may request.
If you're considering an older property, contact us early in the buying process. We'll help identify potential insurance considerations and explain what information or updates a carrier may request.
How can hurricanes and coastal storms affect my Rhode Island insurance deductible?
Some homeowners policies may have separate deductibles that apply to hurricane, named-storm, or wind-related losses. These can work differently from the standard deductible you would pay for other covered property claims.
We'll help you identify which deductibles are included in your policy and explain when they may apply. Understanding them before a storm occurs can help you better prepare for potential out-of-pocket expenses.
We'll help you identify which deductibles are included in your policy and explain when they may apply. Understanding them before a storm occurs can help you better prepare for potential out-of-pocket expenses.
Do I need flood insurance for my Rhode Island home if my lender doesn't require it?
Possibly. A lender's flood insurance requirement is generally based on specific flood-risk criteria, but being outside a high-risk flood area doesn't mean flooding can't happen. Heavy rainfall, coastal storms, and rising water can affect properties in many locations.
Because standard homeowners insurance generally doesn't cover flooding, we'll help you evaluate your property's individual risk and determine whether separate flood insurance makes sense for you.
Because standard homeowners insurance generally doesn't cover flooding, we'll help you evaluate your property's individual risk and determine whether separate flood insurance makes sense for you.
Does living near the coast affect my homeowners insurance in Rhode Island?
It can. Rhode Island's coastline means homes near Narragansett Bay, the ocean, or other coastal areas may have greater exposure to wind, hurricanes, storm surge, and flooding. Location can influence your coverage options, deductibles, and underwriting requirements.
If you own or are considering a coastal Rhode Island property, we'll help you understand how its location affects insurance and what additional protection may be worth considering.
If you own or are considering a coastal Rhode Island property, we'll help you understand how its location affects insurance and what additional protection may be worth considering.
I'm buying a home in Rhode Island. When should I start looking for homeowners insurance?
We recommend reaching out as soon as you have a signed purchase agreement.
Starting early gives us time to compare coverage options, answer your questions, and provide proof of insurance to your lender before closing. It also gives you the opportunity to understand your policy, discuss deductibles, liability protection, and determine whether additional coverage may be appropriate.
Buying a home is an exciting milestone, and we're here to help make the insurance process simple from the very beginning.
Starting early gives us time to compare coverage options, answer your questions, and provide proof of insurance to your lender before closing. It also gives you the opportunity to understand your policy, discuss deductibles, liability protection, and determine whether additional coverage may be appropriate.
Buying a home is an exciting milestone, and we're here to help make the insurance process simple from the very beginning.
I live near the coast. Should I consider flood insurance?
It's a conversation worth having.
Many Rhode Island homeowners live near the coast, rivers, or other bodies of water, and standard homeowners insurance generally doesn't cover flood damage.
Whether you live near Narragansett Bay, the shoreline, or farther inland, we'll help you understand your property's flood exposure and discuss whether flood insurance is something you should consider based on your individual situation.
Many Rhode Island homeowners live near the coast, rivers, or other bodies of water, and standard homeowners insurance generally doesn't cover flood damage.
Whether you live near Narragansett Bay, the shoreline, or farther inland, we'll help you understand your property's flood exposure and discuss whether flood insurance is something you should consider based on your individual situation.
Why did my homeowners insurance premium increase?
This is one of the questions we hear most often during renewal season.
Even if you haven't filed a claim, insurance premiums can change due to factors such as rising rebuilding costs, inflation, severe weather, and changes in the insurance market.
We'll review your policy with you, explain any changes, and help you understand whether there are opportunities to improve your coverage or qualify for additional discounts.
Even if you haven't filed a claim, insurance premiums can change due to factors such as rising rebuilding costs, inflation, severe weather, and changes in the insurance market.
We'll review your policy with you, explain any changes, and help you understand whether there are opportunities to improve your coverage or qualify for additional discounts.
I recently renovated my home. Should I update my insurance?
Yes.
Home improvements such as kitchen renovations, additions, finished basements, new roofs, or outdoor living spaces can all affect your home's rebuilding cost.
Whenever you complete a significant renovation, we recommend reviewing your insurance so your policy continues to reflect your home's current value and the improvements you've made.
Home improvements such as kitchen renovations, additions, finished basements, new roofs, or outdoor living spaces can all affect your home's rebuilding cost.
Whenever you complete a significant renovation, we recommend reviewing your insurance so your policy continues to reflect your home's current value and the improvements you've made.
My teenager just got their driver's license. What should I do?
Adding a new driver is an exciting milestone, and it's also a good time to review your auto insurance.
We'll explain how adding a licensed driver may affect your policy, discuss available discounts, and help make sure your family's coverage continues to meet your needs.
Our goal is to make sure you understand your options before your new driver gets behind the wheel.
We'll explain how adding a licensed driver may affect your policy, discuss available discounts, and help make sure your family's coverage continues to meet your needs.
Our goal is to make sure you understand your options before your new driver gets behind the wheel.
Can you review my current insurance even if I'm insured with another agency?
Absolutely.
Many of the people we work with simply want a second opinion on their current insurance coverage. We'll review your existing policies, explain your coverage in straightforward language, and help identify any potential gaps or opportunities to improve your protection.
Whether you decide to make changes or keep your current policy, we're happy to provide guidance and answer your questions.
Many of the people we work with simply want a second opinion on their current insurance coverage. We'll review your existing policies, explain your coverage in straightforward language, and help identify any potential gaps or opportunities to improve your protection.
Whether you decide to make changes or keep your current policy, we're happy to provide guidance and answer your questions.
Why should I review my insurance every year?
Life changes, and your insurance should keep up.
Whether you've purchased a new vehicle, renovated your home, started a business, welcomed a new driver, or experienced another major life event, an annual insurance review helps ensure your coverage continues to match your needs.
We believe regular policy reviews are one of the best ways to help our clients stay protected as life evolves.
Whether you've purchased a new vehicle, renovated your home, started a business, welcomed a new driver, or experienced another major life event, an annual insurance review helps ensure your coverage continues to match your needs.
We believe regular policy reviews are one of the best ways to help our clients stay protected as life evolves.
Why choose Arthur D. Calfee Insurance Agency?
Choosing an insurance agency is about more than purchasing a policy—it's about finding a trusted team that will be there when you have questions.
As an independent insurance agency, we work with multiple insurance carriers so we can compare coverage options and recommend solutions based on your unique needs. While we're excited to expand into Rhode Island, our commitment remains the same: providing personalized guidance, responsive service, and helping our clients make informed insurance decisions.
Whether you're protecting your home, your vehicles, your business, or your family's future, we're here to help every step of the way.
As an independent insurance agency, we work with multiple insurance carriers so we can compare coverage options and recommend solutions based on your unique needs. While we're excited to expand into Rhode Island, our commitment remains the same: providing personalized guidance, responsive service, and helping our clients make informed insurance decisions.
Whether you're protecting your home, your vehicles, your business, or your family's future, we're here to help every step of the way.
Don't see the answer you're looking for? We'd love to hear from you.
Many of the questions in our Knowledge Center come directly from conversations with our clients.
Submit your question below, and it may be featured in a future FAQ.
Many of the questions in our Knowledge Center come directly from conversations with our clients.
Submit your question below, and it may be featured in a future FAQ.
Every client has unique insurance needs, and we're committed to providing guidance that's personal, straightforward, and built around your goals.
Whether you're buying your first home, protecting a coastal property, reviewing your current coverage, or simply looking for answers, we're here to help you make informed decisions with confidence.
If you'd like personalized guidance, contact Arthur D. Calfee Insurance Agency. We'll take the time to understand your needs, review your coverage, answer your questions, and help you find insurance solutions that fit your home, your family, and your future.
Whether you're buying your first home, protecting a coastal property, reviewing your current coverage, or simply looking for answers, we're here to help you make informed decisions with confidence.
If you'd like personalized guidance, contact Arthur D. Calfee Insurance Agency. We'll take the time to understand your needs, review your coverage, answer your questions, and help you find insurance solutions that fit your home, your family, and your future.
