Total Protection for the Place You Call Home

Your home is more than just an investment; it’s where your life happens. At F&T Insurance Agency, we provide comprehensive coverage that safeguards your property, your belongings, and your peace of mind against the unexpected.

Safeguard Your Sanctuary

Beyond Walls and Roofs

Whether you own a historic estate in Massachusetts or a modern apartment in New York City, your home insurance needs to be as unique as your living space. We go beyond basic coverage to ensure that every detail—from your structural foundation to your most cherished personal possessions—is fully protected. Our experts help you navigate local risks, ensuring you have the right support when you need it most.

Structural Integrity

Protect the physical structure of your home from covered perils like fire, windstorms, and hail. We ensure your policy reflects the current rebuilding costs so you’re never left underinsured.

Belongings & Valuables

Your furniture, electronics, and clothing are covered even when you’re away from home. We also offer specialized riders for high-value items like jewelry, art, and collectibles.

Personal Liability Shield

Accidents happen. Our policies provide essential liability coverage to protect your financial assets if someone is injured on your property or if you accidentally cause damage to others.

FAQ

No, standard policies typically exclude flood damage. Depending on your location, you may need a separate Flood Insurance policy. We can evaluate your property's flood zone and help you secure the necessary additional protection.

"Replacement Cost" pays to replace your items with new ones at today’s prices. "Actual Cash Value" only pays what the item was worth at the time of loss (depreciated value). We almost always recommend Replacement Cost for maximum protection.

Absolutely. Most carriers offer significant discounts for homes equipped with smoke detectors, burglar alarms, or smart home monitoring systems. We will ensure all eligible discounts are applied to your premium.

Your policy includes "Loss of Use" coverage. This pays for additional living expenses, such as hotel stays and restaurant meals, while your home is being repaired or rebuilt after a covered loss.

Standard policies have very limited coverage for business equipment. If you run a business from home, we can add a specific endorsement or a separate business policy to ensure your professional assets are protected.

Peace of Mind, Under One Roof - Secure Your Home and Everything In It

Don’t wait for a storm to find out if you’re covered. Let’s review your current policy or build a new one that gives your family the security they deserve.

Contact

515 Elmwood Ave, Providence,
RI, United States, Rhode Island

Telephone: +1 401-781-8680
Monday- Friday 9am - 5pm
Fax 401-781-2588

Services

  • Group Insurance
  • Life Insurance
  • Health Insurance
  • Commercial Insurance
  • Auto Insurance
  • Long-Term Care
  • Rentals Insurance
  • And More

Gilbane Insurance Agency

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