Business Details
Your Trusted Insurance Partner in Rhode Island
Capraro Insurance was established as an independent agency by Joann R. Capraro to provide quality protection for individuals, families, and businesses across Rhode Island. Our licensed team specializes in auto, home, condo, renters, and business insurance, prioritizing superior customer service and competitive rates. We evaluate clients' unique needs to create customized plans that simplify insurance while ensuring comprehensive coverage. By partnering with reputable carriers, we guarantee fast claims service and reliable protection for both present and future needs. Our commitment to transparency and personalized support has built a strong reputation for client satisfaction.We actively listen to client concerns, offer bilingual assistance, and provide step-by-step guidance throughout the insurance process. With decades of combined experience, we focus on delivering value through tailored policies that balance affordability with robust protection. Our expertise extends to specialized coverage for classic cars, watercraft, RVs, and professional liability. As a locally owned agency, we maintain deep knowledge of Rhode Island's insurance landscape to better serve our community. Our mission remains centered on helping clients secure peace of mind through informed, accessible insurance solutions.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Workers Compensation
Classic Car Insurance
Watercraft Insurance
Renters Insurance
Umbrella Insurance
Highlights and features
- We offer personalized insurance solutions tailored to individual needs
- Our team holds Rhode Island Department of Insurance licenses
- We provide competitive rates through multiple carrier partnerships
- Specialized coverage available for classic cars, watercraft, and RVs
- Bilingual support available for Portuguese-speaking clients
Associations and certifications
- Rhode Island Department of Insurance
What people say
Top-notch personal service
Quick to respond
Honest and reliable
Bilingual support available
Saved money on policies
Services
Auto Insurance
Auto insurance provides essential protection against financial loss from vehicle-related incidents. Our policies cover collision damage, liability claims, and uninsured motorists while offering customizable options for classic cars and motorcycles. With access to multiple carriers, we help clients find competitive rates that balance comprehensive protection with affordability. Our licensed agents guide clients through coverage selection to ensure compliance with Rhode Island's mandatory requirements while addressing individual risk profiles.
Homeowners Insurance
Homeowners insurance safeguards property investments against common risks like fire, theft, and weather damage. We offer standard HO-3 policies plus specialized coverage for condos (HO-6) and high-value properties. Our agents explain policy details including dwelling coverage, personal property protection, and liability limits to help clients make informed decisions. We emphasize understanding policy exclusions and recommend umbrella policies for enhanced liability protection beyond standard policy limits.
Business Insurance
Business insurance protects companies from operational risks through customizable packages. Our offerings include business owners' policies (BOP), professional liability, and commercial auto coverage. We help clients assess risks related to property damage, liability claims, and business interruption while ensuring compliance with workers' compensation requirements. Our agency specializes in creating cost-effective solutions that combine multiple protections while maintaining focus on claims support and policy flexibility.
Workers Compensation
Workers' compensation insurance fulfills legal requirements while protecting businesses from financial exposure. Our policies cover medical expenses, rehabilitation costs, and partial wage replacement for work-related injuries. We assist employers with policy setup that meets Rhode Island's regulatory standards while emphasizing loss prevention strategies. Our agency maintains relationships with carriers offering specialized programs for high-risk industries and provides support through the claims process to minimize business disruption.
Watercraft Insurance
Watercraft insurance provides specialized protection for recreational boats and yachts. We offer policies covering physical damage, liability claims, and emergency assistance for various watercraft types. Our agents help clients understand coverage options for different vessel uses including fishing, sailing, and powerboating. We work with specialty insurers to provide tailored solutions that address unique maritime risks while ensuring proper protection for both boat owners and third parties.
People
Joann R. Capraro
Owner
Joann R. Capraro established Capraro Insurance to provide personalized insurance solutions across Rhode Island. With decades of industry experience, she leads a licensed team that prioritizes client education and tailored coverage. Her bilingual capabilities enhance service for Portuguese-speaking clients while maintaining focus on competitive pricing and comprehensive protection. Joann's commitment to after-hours availability demonstrates dedication to client satisfaction.
Questions
What types of insurance do you offer?
We provide auto, home, business, workers' compensation, classic car, watercraft, RV, renters, condo, umbrella, and professional liability insurance policies.
How can I get an insurance quote?
Request a quote through our website or call 401-205-2597 to speak with a licensed agent who will evaluate your specific coverage needs.
Do you specialize in any niche insurance products?
Yes, we offer specialized coverage for classic cars (over 25 years old), recreational watercraft, and RVs with tailored protection options.
What are your office hours?
We're open Monday-Friday 9:00 AM-5:00 PM, Thursday until 6:00 PM. We're closed weekends but available for emergencies during business hours.
Why choose an independent agency?
As an independent agency, we represent multiple carriers to find you the best coverage at competitive rates while providing personalized service.
