Charles L Kirby Agency Inc.

Learn about our insurance products

  • Get an auto insurance policy you can count on from Nationwide.
  • Protect your house and personal property by choosing the right insurance coverage from Nationwide.
  • Let us help you select life insurance coverage that meets your needs, your life and your budget.
  • Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

Our Insurance Products

The Charles L Kirby Agency Inc. in North Smithfield, RI provides the following products. To learn more about each insurance product, click on the links below.

  • Auto Insurance
    Many terms associated with auto insurance can be confusing. For example, what does "comprehensive car insurance" mean? You will get answers to questions and much more when talking about your insurance needs with Charles L Kirby Agency Inc.. We work with Nationwide to bring you excellent service and coverage in North Smithfield.

    Most states require the purchase of liability coverage. This coverage protects you when you become legally liable for damage to another auto or someone else's injuries from a car accident. Comprehensive coverage provides additional protection for your vehicle from loss due to theft, fire, hail, and other factors. Other offerings include Medical Payments or Personal Injury Protection coverage, and features such as Roadside Assistance.

    Give Charles L Kirby Agency Inc. or another experienced agent a call today at (401) 762-4500. Drivers can discuss options over the phone or in person at 69 Eddie Dowling Hwy.
  • Homeowners Insurance
    Making sense of your many home insurance coverage options can seem like a daunting task, especially if you have just purchased a new property. Buying a home is a big step for anyone to take, but the process is not fully complete until the right policy has been selected. Richard M Dowling can help you protect this important investment through the selection of Nationwide home insurance policies fitted precisely to your needs. Here at Charles L Kirby Agency Inc. we excel at assisting customers with home insurance solutions and other essential forms of coverage. Your home should be protected from the many changes that might affect it, and we can help make sure your policy is up to the task.

    We understand that no two homes are exactly alike, so every homeowner's concerns are going to be unique as well. By providing tailored coverage solutions, we can offer enhanced peace of mind. You can rest easy knowing your home insurance policy reflects your needs today and tomorrow. If you ever have questions or concerns about your coverage, just let us know. Nationwide has an extensive network of agents working around the clock to assist with filing claims and much more.

    To discover the coverage solutions that best meet your needs, contact Charles L Kirby Agency Inc. today by calling (401) 762-4500. North Smithfield area customers can also visit our offices at 69 Eddie Dowling Hwy. Let us know how we can help improve your existing coverage or discover what insurance options are available to you as a new homeowner.
  • Life Insurance
    Bringing home a new baby, like many of life’s happy events, also brings on new responsibilities. New obligations can be more easily shouldered if you take steps now to plan ahead. In order to provide long-term financial security for your family, you need a North Smithfield life insurance agent who can help you understand the types of life insurance that best suit your family’s needs.

    The agents at Charles L Kirby Agency Inc. will help you safeguard your family’s future by helping you select the right life insurance. We will explain term versus permanent insurance and answer all your questions. We are here to help you assess your needs and will explain the difference between whole life insurance and universal life insurance.

    Our agency will help you determine the appropriate level of coverage for you and your family. There are several considerations when deciding the amount of coverage you need. Besides funeral and burial costs, you should consider current debts such as your mortgage, car loans and credit card debt.

    You may also want to include child care and long-term educational expenses when figuring coverage amount. Whether your family has one or two sources of income, you should think about covering lost income for a specified number of years. We will also help you determine the number of years for which you need coverage.

    Whether you have a new baby on the way, or you brought your baby home several months ago, now is the time to plan for life’s eventualities. Call (401) 762-4500 and ask for Richard M Dowling or visit us at 69 Eddie Dowling Hwy,North Smithfield,RI,02896. We will be happy to work with you to make sure your family’s financial security is always protected.


    LAW-0245AO (05/18)
  • Business Insurance
    You don't have to go it alone when it comes to finding the perfect business insurance policy for your company. Nationwide works with Nationwide Insurance: Charles L Kirby Agency Inc. and Richard M Dowling in order to help you find the best policy that not only meets your business needs, but also your budget. From start to finish, we walk you through the entire process.

    What type of business do you operate? This is just one of the questions that we ask when structuring a policy with you to meet your needs. During your consultation, we discuss the type of business you run, your operating costs, and how many employees you have. We also determine how much profit you bring in and if any laws govern the type of insurance you must carry for your company. We use all of this information to show you which policies would protect your business, which are optional, and which you may not need. We also discuss how much coverage you need and whether you would benefit from any specialized policies such as cyber liability insurance or employment practices liability coverage.

    Once you select your plan, you can rest assured we continue to work for you. In fact, using Nationwide's On Your Side® Review, we meet with you annually to discuss any changes in your business and determine if you would benefit from changes in your insurance coverage. If you are interested in learning more about customized policies for your small business in North Smithfield, schedule a consultation appointment today. Visit us at 69 Eddie Dowling Hwy or call us at (401) 762-4500.

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Charles L Kirby Agency Inc. also offers products in MA, RI. Please call for information on products in those states.

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