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Duxbury & Ray Insurance Agency Located in Smithfield, RI, we are an independent insurance agency that provides insurance for all of Rhode Island, Connecticut, and Massachusetts as well as 17 other states. Please contact us to get the proper auto insurance, homeowners insurance, or business insurance coverage at the lowest prices available through our carriers. At Duxbury & Ray Insurance, our primary objective is to establish a relationship - a partnership - between you, the insurance company and our office. We want to provide you with insurance coverage, loss control services and above all claim services to assist you in the event of a loss.
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Duxbury & Ray first opened its doors in 1935, and has been servicing local residents and businesses for over 70 years. Then called the Duxbury Agency, it was first owned by Thomas F. Duxbury until his son, another longtime Smithfield resident, took over its operation in the late 1940's. From that point until 1978, it continued to service the community solely under the Duxbury name, until it was incorporated by J. Theodore Ray of Smithfield and renamed Duxbury & Ray Insurance Agency, Inc.Since that time, the independent agency has experienced continual growth, prompting two consecutive moves to larger facilities.
A: We offer quotes from a variety of top rated insurance companies doing business in Rhode Island. A: We can get you a car insurance policy here in Smithfield, RI or via phone and email if you can't make it to our office. A: We can get you a business insurance policy here in Smithfield, RI or via phone and email if you can't make it to our office.
We are probably overdue for a hurricane. What happens if my building isn't damaged but I don't have electricity, water, or telephone service and can't operate my business? Does my business insurance cover me for my losses? My parking attendant backs into a sign post and damages my customer's car. Do I have to pay this out of my pocket or will insurance cover this?
Do I have enough insurance coverage on my home to protect me even if it burns to the ground? What happens if there's a flood? You know there's a lot of talk today about mold. Does my homeowners insurance policy cover that? Why not let our experienced staff answer your questions? We're here to help, just call or email one of our staff with your property insurance questions.
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Alex Audette
Apr 28, 2022
Way back in 2006, I was a brand new driver with zero cash and an old junker. I went to D&R and sat down with Adam - at first it wasn't looking good for a monthly rate I could afford, but he called me in the 11th hour with an unbelievably low rate. I remember exactly where I was, watching Return of the King with a buddy, because it meant I could finally drive.

We played Gran Turismo on his PS3 to celebrate. Over 15 years later I'm back on the phone with Adam and he's helping me find my old RI license number so I can complete a difficult job application and background check process during a time of terrible economic uncertainty. So yeah if you need insurance and a little kindness go with these folks.