At our company, we strive to simplify the property buying and selling process by offering a comprehensive range of services tailored to our clients' needs. Our approach ensures that when selling a property, we tap into a wide array of markets to secure the best possible price and terms. For buyers, our mission is to connect them with properties that resonate with their individual tastes, requirements, and financial considerations. We believe that finding the perfect property should not involve compromises or settling for second-best. To achieve this, we invest time and effort in understanding our clients from the very first interaction. Our commitment is to create a seamless, stress-free experience, allowing our clients to focus on what truly matters—finding right property.

When shopping for insurance, we leverage a diverse range of markets and companies to ensure our clients receive the best possible coverage at competitive prices. Our ability to custom-tailor policies allows us to meet unique needs, providing personalized solutions that traditional approaches might overlook. With dozens of property and casualty companies at our disposal, we have the flexibility to explore various options, ensuring that we deliver the most economical and comprehensive results. This extensive network not only enhances our capabilities but also empowers our clients, giving them peace of mind knowing that their coverage is optimized to fit their individual circumstances. Our commitment to finding the best solutions underscores our dedication to client satisfaction and financial security.

Our REAL ESTATE Goal:

Our INSURANCE Goal:

Our Goal: Happy Clients

Vacant Land

Land represents a unique and often underappreciated property class in the real estate market. Unlike a beautifully designed commercial kitchen that can instantly captivate a gourmet cook, recognizing the true potential of a piece of land requires a deeper understanding and vision. Buyers and sellers alike may find it challenging to see beyond the current state of the property, but with expertise and experience in the Rhode Island and Massachusetts markets, we are well-equipped to guide them. Whether it's envisioning a dream home, commercial development, or conservation project, our knowledge helps clients unlock the hidden value in land, transforming it into a canvas for their aspirations.

Residential Condominiums

When it comes to residential condominiums, it's essential to recognize their unique market dynamics. Our team comprises experts who specialize in evaluating condominiums, providing invaluable support to both buyers and sellers in navigating the specific financing options and homeowner concerns associated with this property type. We understand that purchasing or selling a condo involves distinct considerations, from financial assessments to community regulations. Moreover, we have extensive experience insuring numerous condominium units as well as entire complexes, ensuring that our clients receive comprehensive coverage tailored to their needs. With our expertise, clients can confidently engage in the condominium market, knowing they have the right guidance and protection.

At Acumen Risk Group LLC, we prioritize the needs of our invaluable investors in the multi-family property market. Our core expertise revolves around delivering detailed return on investment and valuation calculations, critical for assessing potential rental properties. Understanding that this specialized market requires precise analytics and deep knowledge, we have fine-tuned our skills to provide the highest quality insights. Investors who choose to partner with us can rest assured that they will receive personalized support tailored to their unique investment strategies. Our commitment to accuracy and reliability empowers investors to make informed decisions, ultimately maximizing their returns. With a focus on excellence, we are here to guide you through every step of your investment journey.

Multi-Family

Commercial Property

As specialists in commercial property, we cater to an extremely wide range of spaces, including shopping malls, office buildings, retail stores, warehouses, restaurants, industrial entities, and so on. Our extensive experience encompasses insuring thousands of commercial properties across Rhode Island and Massachusetts, ensuring that your investments are protected. We also offer tailored risk management solutions to help you navigate the complexities of commercial real estate. Whether you're a property owner looking for comprehensive coverage or a business seeking the right space, our knowledgeable team is here to assist you with your commercial property needs. Don't hesitate to contact us for expert guidance and support in these vibrant real estate markets.

Residential Single Family

In our commitment to excellence, our residential single-family services facilitate seamless connections between buyers and sellers daily. We pride ourselves on our professionalism and unwavering dedication to our clients, ensuring that every transaction is handled with care and expertise. Having insured thousands of properties, we also offer valuable risk management advice to safeguard our clients' investments. While single-family homes represent the majority of our market transactions, our expertise extends far beyond this category. Our team is well-equipped to navigate various property types, making us a versatile choice for all your real estate needs. Whether you're buying or selling, you can trust us to deliver insightful guidance and outstanding service throughout the process.

7 Reasons to Work With a REALTOR®

REALTORS® are members of the National Association of REALTORS® and subscribe to its strict Code of Ethics. When you're buying a home, here's what an agent who's a REALTOR® can do for you.

1. Act as an expert guide. Buying a home typically requires a variety of forms, reports, disclosures, and other legal and financial documents. A knowledgeable real estate agent will know what's required in your market, helping you avoid delays and costly mistakes. Also, there’s a lot of jargon involved in a real estate transaction; you want to work with a professional who can speak the language.

2. Offer objective information and opinions. A great real estate agent will guide you through the home search with an unbiased eye, helping you meet your buying objectives while staying within your budget. Agents are also a great source when you have questions about local amenities, utilities, zoning rules, contractors, and more.

3. Give you expanded search power. You want access to the full range of opportunities. Using a cooperative system called the multiple listing service, your agent can help you evaluate all active listings that meet your criteria, alert you to listings soon to come on the market, and provide data on recent sales. Your agent can also save you time by helping you winnow away properties that are still appearing on public sites but are no longer on the market.

4. Stand in your corner during negotiations. There are many factors up for discussion in any real estate transaction—from price to repairs to possession date. A real estate professional who’s representing you will look at the transaction from your perspective, helping you negotiate a purchase agreement that meets your needs and allows you to do due diligence before you’re bound to the purchase.

5. Ensure an up-to-date experience. Most people buy only a few homes in a lifetime, usually with quite a few years between purchases. Even if you’ve bought a home before, laws and regulations change. Real estate practitioners may handle hundreds or thousands of transactions over the course of their career.

6. Be your rock during emotional moments. A home is so much more than four walls and a roof. And for most buyers, a home is the biggest purchase they’ll ever make. Having a concerned, but objective, third party helps you stay focused on the issues most important to you when emotions threaten to sink an otherwise sound transaction.

7. Provide fair and ethical treatment. When you're interviewing agents, ask if they're a REALTOR®, a member of the National Association of REALTORS®. Every member must adhere to the REALTOR® Code of Ethics, which is based on professionalism, serving the interests of clients, and protecting the public.

Questions to Ask When Considering Selling

These questions will help you decide whether you’re ready for a home that’s larger or in a more desirable location. If you answer yes to most of the questions, you may be ready to move.

Have you built substantial equity in your current home?

Check your annual mortgage statement or call your lender to find out how much you’ve paid down. Usually, you don’t build up much equity in the first few years of your mortgage, as monthly payments are mostly interest. But if you’ve owned your home for five or more years, you may have significant, unrealized gains.

Has your income or financial situation changed?

If you’re making more money, you may be able to afford higher mortgage payments and cover the costs of moving. If your income has decreased, you may want to consider downsizing.

Have you outgrown your neighborhood?

The neighborhood you pick for your first home might not be the same one in which you want to settle down for good. You may have realized that you’d like to be closer to your job or have more space.

Are there reasons why you can’t remodel or add on?

Sometimes you can create a bigger home by adding on a new room or building up. But if your property isn’t large enough, your municipality doesn’t allow it, or you’re simply not interested in remodeling, then moving to a bigger home may be your best option.

Are you comfortable moving in the current housing market?

If your market is hot, your home may sell quickly and for top dollar, but the home you buy will also be more expensive. If your market is slow, finding a buyer may take longer, but you’ll have more selection and better pricing as you seek your new home. Ask your real estate professional what they see happening locally.

Are interest rates attractive?

Low rates help you buy “more” home, and also make it easier to find a buyer for your current place.

Is the effort and cost of maintaining your current home becoming difficult to manage?

A REALTOR ® can help you decide whether a smaller house, condo, or rental would be appropriate.