O'Rourke Insurance Agency, LLC

O'Rourke Insurance Agency, LLC O’Rourke Insurance is a full service, independent Trusted Choice agency providing personal and business insurance to clients throughout Rhode Island.

You probably know that saving money for a rainy day is smart, but did you know that a life insurance policy can be a par...
04/30/2026

You probably know that saving money for a rainy day is smart, but did you know that a life insurance policy can be a part of that strategy?

Some life insurance policies can build cash value over time, and this cash value can help protect you and your family “on a rainy day.” Additionally, some life insurance riders and your death benefit can help protect your family financially if anything were to happen to you.

If you have any questions about your life insurance policy, give us a call, and we can help ensure it is meeting your needs.

Spring is a season for fresh starts, and your home is no exception. Staying ahead of routine maintenance can help preven...
04/02/2026

Spring is a season for fresh starts, and your home is no exception. Staying ahead of routine maintenance can help prevent costly repairs and protect your investment. Swipe through for a few must-do items to add to your spring prep checklist ↩️

If we can be of help this spring or if you would like recommendations of local service providers for your regular spring maintenance, feel free to reach out. We’re here to help.

Heads up: Spring means more animals along and on the road. Animals become more active in the spring, especially at dawn ...
03/26/2026

Heads up: Spring means more animals along and on the road. Animals become more active in the spring, especially at dawn and dusk. This makes it extra important to slow down and stay alert in areas where animals commonly cross. Additionally, make sure you leave extra room for drivers who are braking hard or swerving to avoid an animal.

Steering clear of animals is one key part of staying safe on the road. It’s also crucial to have coverage that protects you in the event of an accident. If you have questions about your auto insurance or want to schedule a quick coverage review this spring, give us a call. We’re here to help you.

As your business evolves, it’s important that your insurance keeps pace. That’s where riders come in, helping to fill ga...
03/05/2026

As your business evolves, it’s important that your insurance keeps pace. That’s where riders come in, helping to fill gaps in your coverage and fine-tune your coverage. Swipe for a few riders that businesses may want to consider.

If you have questions about your current policy or want to explore what riders you need, give us a call. We are here to protect you and your business.

Think your auto and homeowners insurance will protect you if something goes wrong? Think again. Today’s lawsuits are big...
03/03/2026

Think your auto and homeowners insurance will protect you if something goes wrong? Think again.

Today’s lawsuits are bigger, more frequent, and far more expensive than most standard policies were designed to handle. When a serious claim exceeds your coverage limits, the financial fallout can be devastating.

Here’s why more people are adding personal umbrella insurance:

✅ Liability claims and payouts have surged over the last decade
✅ Umbrella claims have doubled, with average payouts up about 67%
✅ Jury awards in some states have exceeded standard policy limits by hundreds of thousands of dollars
✅ Legal defense costs alone can surpass $50,000 before a case is resolved
✅ $1 million in umbrella coverage may cost as little as $12–$25 per month

The cost of not having enough liability protection can far outweigh the cost of adding it. Personal umbrella insurance helps protect your savings, home equity, investments, and even future income — before one claim puts them at risk.

During National Consumer Protection Week, we invite you to take a moment to brush up on how to spot fraud and protect yo...
03/02/2026

During National Consumer Protection Week, we invite you to take a moment to brush up on how to spot fraud and protect yourself online. Here are a few best practices to keep in mind:

🔹 Never share sensitive personal information with unverified sources online.
🔹 Don’t click on links from unknown or suspicious sources.
🔹 Be cautious of “too good to be true” offers or someone making threats that create a sense of urgency.
🔹 Verify the recipient before you send money, especially when it comes to online relationships or donation requests.
🔹 If you get a phone call from an organization and are unsure of the validity of the call, immediately hang up and call back from an official number, which will often be listed on an official website.

Even with your best efforts, scams can still happen. That’s where personal insurance coverage may help. From identity theft protection to personal cyber insurance, the right policy can help cover recovery costs, legal fees, and even lost funds depending on the situation.

Want to learn more about how insurance can protect you from digital and financial risks? Reach out today. We’re here to help you stay one step ahead.

With spring almost here, summer will arrive before you know it! And with the arrival of summer comes a season of travel,...
02/26/2026

With spring almost here, summer will arrive before you know it! And with the arrival of summer comes a season of travel, kids out of school, and general life busyness.

Given this, the spring season is the perfect time to ensure your insurance coverage still fits your life.

Here is why a portfolio review matters:

🌸 Keeps your coverage current as life changes.
🌸 Helps us identify gaps or overlaps in your policies.
🌸 May help you find cost savings or new discounts.
🌸 Gives you peace of mind ahead of major travel and periods away from home.

Don’t wait until the rush of summer hits. Schedule your annual review now to make sure you’re protected for whatever’s ahead.

Have questions about your current coverage or next steps? Give the office a call. We’re happy to help.

Running your business from home? Your homeowners insurance might not cover everything your business needs.Swipe through ...
02/17/2026

Running your business from home? Your homeowners insurance might not cover everything your business needs.

Swipe through to see why commercial insurance is just as essential for home-based business owners as it is for larger companies.

From protecting your equipment to covering client injuries, the right policy keeps your business — and your home — protected from unexpected risks.

Have questions about the right coverage for your setup? Give us a call. We’re happy to walk through your options.

As 2026 unfolds, staying ahead of emerging business risks is more important than ever. Swipe for two key areas to keep a...
02/13/2026

As 2026 unfolds, staying ahead of emerging business risks is more important than ever. Swipe for two key areas to keep an eye on.

Want to make sure your business is prepared and protected? Call us today to review your policies and explore the best protections for your needs.

President’s Day is known for its eye-catching auto deals. That’s why we wanted to reach out with a reminder if you’re pl...
02/12/2026

President’s Day is known for its eye-catching auto deals. That’s why we wanted to reach out with a reminder if you’re planning on buying a new car this February: Be sure you have a plan in place for your car insurance coverage.

Many insurers automatically extend your current coverage to a newly purchased car for a limited time — typically seven to 30 days. However, before your grace period ends, you’ll need to be sure your new car is fully added to your auto policy and that your coverage is keeping up with your new vehicle.

Additionally, if you’re getting rid of an older car as you purchase a new one, you’ll want to make sure the older vehicle is removed from your policy.

We can help you make sure your auto policy is set up for your current situation. Give us a call today, and we can make sure you and your new ride are fully covered.

Address

900 Park Avenue
Cranston, RI
02910

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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