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Family-Owned • Serving RI, CT & MA Since 1997

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Homeowners Insurance

Homeowners Insurance in RI, CT & MA | Adams Insurance

  • Serving
    RI, CT, & MA
  • Local
    Experts
  • Trusted
    Since 1997

Homeowners Insurance Near Me

Protect the Place You Call Home

Your home is one of your biggest investments, and protecting it starts with the right homeowners insurance. Whether you’re buying your first home, upgrading to your forever home, or protecting a vacation property, having customized coverage gives you confidence that your home, belongings, and family are protected.

Family-owned and trusted since 1997

Customized Homeowners Coverage

Protection for Your Home & Belongings

Local Agents. Personalized Service.

Serving Rhode Island, Connecticut, & Mass

Homeowners Insurance Coverages

Insurance Designed Around Your Home & Family

Every home is different, which is why your insurance policy should be too. From single-family homes and condominiums to seasonal residences and valuable personal property, we’ll help you build coverage that fits your unique situation.

Our goal is to make sure you’re protected from the unexpected while providing the personal service you deserve.

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Dwelling Coverage

Protect your home's structure from covered losses such as fire, wind, hail, and other unexpected events.

Personal Property Coverage

Protect furniture, electronics, clothing, appliances, jewelry, and other personal belongings.

Personal Liability Insurance

Help protect your financial future if someone is injured on your property or you're responsible for accidental property damage.

Valuable Items Coverage

Additional protection for jewelry, collectibles, artwork, firearms, antiques, and other high-value possessions.

Home & Auto Bundle

Bundle your homeowners and auto insurance for convenient coverage and potential savings.

Residential Umbrella Insurance

Extend your liability protection beyond the limits of your homeowners policy.
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25+ Years protecting Rhode Island families & businesses

Why Choose Adams Insurance?

Since 1997, Adams Insurance has helped homeowners protect their properties with personalized insurance solutions and responsive local service. We take the time to understand your home and recommend coverage that’s built around your needs—not a one-size-fits-all policy.

What You Can Expect

  • Family-owned and trusted since 1997
  • Customized homeowners insurance solutions
  • Protection for your home, belongings, and liability
  • Direct access to knowledgeable local agents
  • Serving Rhode Island, Connecticut, and Massachusetts

Our Simple Process

At Adams Insurance, we help homeowners throughout Rhode Island, Connecticut, and Massachusetts find personalized homeowners insurance designed around their property, lifestyle, and budget. We’ll take the time to understand your needs and recommend coverage that protects what matters most.

Learn About Your Home

We’ll review your property, belongings, and insurance needs.

Customize Your Coverage

Our team builds a homeowners insurance policy designed around your home and budget.

Protect What Matters Most

Enjoy peace of mind knowing your home and family are protected with customized coverage.

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Talk With An Agent
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Homes We Protect

Our homeowners insurance solutions are ideal for:
  • Single-Family Homes
  • New Construction Homes
  • Vacation Homes
  • Seasonal Homes
  • Luxury Homes
  • Waterfront Homes
  • Condominiums
  • Townhomes
  • First-Time Homebuyers
  • Empty Nesters
  • Retirees
  • Multi-Property Owners

Frequently Asked Questions

Homeowners insurance typically covers your home’s structure, personal belongings, personal liability, detached structures, and additional living expenses if your home becomes uninhabitable due to a covered loss.
While homeowners insurance isn’t required by law, most mortgage lenders require you to carry insurance until your loan is paid off.
Yes. Most homeowners insurance policies include coverage for furniture, electronics, clothing, appliances, and other personal possessions. Additional coverage may be available for valuable items.
Personal liability coverage helps protect you financially if someone is injured on your property or if you accidentally cause damage to another person’s property.
Some types of water damage may be covered, while flood damage typically requires a separate flood insurance policy. We’ll help you understand your coverage options.
Yes. Bundling your homeowners and auto insurance can simplify your coverage and may qualify you for additional discounts depending on your insurance carrier.
The amount of coverage depends on your home’s value, replacement cost, personal belongings, and individual needs. We’ll help determine the right level of protection for your home.
Yes. Most policies include coverage for detached structures such as garages, sheds, fences, and workshops, subject to policy limits.
Premiums vary based on your home’s location, age, size, construction type, coverage limits, deductible, and claims history. We provide personalized quotes based on your home and needs.
For more than 25 years, Adams Insurance has helped homeowners across Rhode Island, Connecticut, and Massachusetts protect their homes with customized insurance solutions, local expertise, and responsive customer service.

Protect Your Home with Confidence

Your home is more than a place to live—it’s where memories are made and your future begins. Let Adams Insurance help you protect it with homeowners insurance that’s personalized for your needs. Request a free homeowners insurance quote today
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Talk With An Agent