Read the Latest News and Updates from our Insurance Agency

What do you need to do to prepare for a hurricane? If you’re enjoying Summer fun on a jet ski, ATV, or boat, do you have the right levels of coverage? Are you properly insured if you list your home on AirBNB or HomeAway?  For the latest insurance news and advice, the OceanPoint blog is here to keep you informed.

The Importance of Protecting Your Home In Hurricane Season

June marked the official start of the Atlantic hurricane season, but with 10 of the costliest hurricanes on record arriving between August and October, now is the time to prepare for the worst by doing your best to protect your property. Some of the most important actions home and business owners can take are trimming […]

Keep child safe at college – Secure the proper insurance protection today

One of the proudest moments in a parent’s life is watching their child go off to college. At OceanPoint Insurance, our job is to make sure you are prepared for all of life’s important events. When students leave for college all of their expensive items go with them – cell phones, laptops, TV’s, etc. It […]

Benefits of combining polices with OceanPoint

At OceanPoint Insurance, our agents are always looking for new innovative ways to save you money and enhance your coverage. Did you know that by simply combining two or more policies could save you hundreds annually? As an independent insurance agency, we represent over 25 insurance companies. We have the ability to shop around for […]

What You Should Know About Hurricane Deductibles

In nineteen states, including Rhode Island, Massachusetts, and Connecticut, insurance companies offer a special deductible for hurricane damage. A hurricane deductible applies to damage caused solely from a hurricane as categorized by the National Weather Service. Hurricane deductibles are only triggered when a named hurricane makes landfall in the state where the insured property is […]

RI Flood Insurance

New Law Modifies Flood Insurance For Secondary Homes

RI Flood Insurance In April 2015, Congress began implementing the Homeowner Flood Insurance Affordability Act of 2014 (HFIAA), which repeals some provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, modifies others, and makes additional changes to the National Flood Insurance Program (NFIP). The new law limits the rate of increase for individual premiums […]

RI Boat Insurance

Boating Safety Tips Everyone Should Know

Did you know that Rhode Island requires boaters to have a Boater Safety Education Certificate, not a boating license? Anyone born on or after January 1, 1986, is required to pass an approved boater education course before legally operating any vessel powered by a motor of more than 10 horsepower. In addition, anyone operating a […]

RI Workers Compensation Insurance

Safeguarding skilled tradesmen and property owners with specialized contractor’s insurance

Seasonable spring weather has finally arrived and with that comes the desire to schedule those much-needed repairs and home improvements. Homeowners recognize and appreciate the importance of having a skilled, experienced contractor perform work on their home. Reputable contractors, in turn, understand that the best way to safeguard their livelihood is through a comprehensive contractor’s […]

Rhode Island Renters Insurance

Moving to a new apartment or condo? Make renters insurance a top priority

Rhode Island Renters Insurance Watching the local news this winter, we all witnessed the many devastating fires that destroyed countless homes and businesses. While homeowners and business owners are provided assistance with rebuilding their lives through their insurance policies, many renters found out the hard way that their personal belongings are not protected. If you are […]

Rhode Island Flood Insurance

Protect Your Home From Spring Flooding With Flood Insurance

Rhode Island Flood Insurance It might seem impossible now, but in the coming months the snow covering the ground will begin to melt. As spring’s warmer temperatures begin to melt the snow, they can also bring heavy spring rain. Unfortunately, until the ground thaws, melting snow and rain cannot be absorbed. The excess water runoff […]

RI Coastal Flood Insurance

Risks of Sea-level Rising and Coastal Homes

RI Coastal Flood Insurance The Ocean State, with over 400 miles of coastline, is known for its beaches, bluffs, and scenic waterfronts. Rhode Island’s coast is a vital part of the state’s identity, attracting long- and short-term visitors, and offering opportunities for recreation, industry, and simple enjoyment. Being within a stone’s throw of the beach […]

Ride-Sharing Poses Risks You May Not Be Aware Of

Ride-sharing is the fast-growing system of offering your vehicle for personal transportation services and it is becoming increasingly popular as companies such as UberX, Lyft, and Sidecar continue to grow. These types of operations involve pre-arranged services using an online-enabled application to connect with potential passengers. As this industry gains popularity and a wider array […]

frozen pipe

Frozen Pipes: Preventing and Treatment

Why It’s a Problem: Many homeowners know that frozen pipes are a problem, but many don’t understand why or how they occur, or what to do if such an event occurs. When water freezes, it expands, which puts an immense amount of pressure on whatever is containing it. Therefore, if enough pressure is created, pipes […]