CALL: (401) 683-0177
3056 E Main Road
 Portsmouth, RI 02871-4205



Home/Condo/Renters/Flood/Rental Property Insurance/Umbrella in Rhode Island

Replacement Cost on Contents — Personal property is covered for its full value—with no deduction for depreciation (deductible applies).

Replacement Cost Coverage — provides the full cost to repair or replace your house even if it’s more than your policy limit.

Building Code Upgrades — "Ordinance of Law Coverage" provides the financial means to meet current building codes that may be stricter than when your home was built (up to the amount purchased).

Scheduled Personal Property — Endorse your policy to protect your jewelry, watches, silverware, and other valuables.

House Insurance, Commercial Insurance in Portsmouth, RI


A Condo Owner’s Insurance needs are different from a Homeowner’s. Let us assist you in creating a policy that fits your needs.



Are you renting a Home or an Apartment? Contact our office to obtain a quote insuring your Contents, provide coverage for Loss of Use and Personal Liability.


Renting a home you own to others? Your needs greatly differ from a Homeowner who resides in their own home. Contact our Agency regarding Dwelling Fire Ins.


You can’t rely on your Homeowner’s Insurance for Flood Coverage.

The best place to start to obtain a flood policy is Bessette Insurance Agency. Since flood insurance is regulated by the federal government, rates are fixed, meaning that all companies must offer the same flood rate. Flood Insurance is available to everyone, from high risk areas to moderate to low risk areas. Also, there are Flood policies for Renters/Condo Owners/Renters. Flooding is one of nature's most common natural disasters.

The average homeowner is five times more likely to incur flood damage than fire damage. If you live in a high-risk zone, you have a one-in-four chance of experiencing flood damage. Almost 25% of all flood claims come from low- to moderate-risk areas and 90% of all presidential-declared disasters involved flooding. Homeowner's policies will not cover the flood damage, and the out-of-pocket costs can be disastrous.


Do you own a home, own a car? In the event of lawsuit or judgement, do you want your assets and future earnings protected? Speak with an agent at Bessette Insurance to obtain more information and a free quote.

Contact our insurance agency today at (401) 683-0177 in Portsmouth, Rhode Island,
for the absolute best rates on commercial, home, life, and auto insurance.