Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Cambridge, MA

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Cambridge Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

72Reviewed

48Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

545 Concord Avenue, Cambridge, MA 02138

Expertise.com Rating

Review Sources

Google
4.9 (158)
Yelp
4.5 (30)

Why choose this provider?

Garrity Insurance serves the Cambridge metro area and sells homeowners insurance policies to people in need of coverage for all of the structures on their land as well as their personal belongings. This agency offers rates from a wide variety of carriers and advises clients on policies that can adequately cover their vulnerable areas and remain within their budgets. Condo and renters insurance policies are available as well alongside car and boat insurance options.

  • Condos
  • Fire

777 Cambridge Street, Cambridge, MA 02141

Expertise.com Rating

Review Sources

Google
5.0 (4)
Yelp
1.0 (1)

Why choose this provider?

Today's Insurance serves the Cambridge area. This company has been in the business for over 30 years and offers a wide range of insurance plans including homeowners' insurance. It understands that a home is a big investment for most people. Whether the client is new to the concept of insurance or a seasoned investor, Today's Insurance strives to create a policy tailored to fit their needs. Other insurance options include commercial and business purposes and general liability purposes.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

14 Dinley Street, Dracut, MA 01826

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Coughlin Insurance is an insurance agency serving the people of Cambridge that has additional office locations in 20 states. The agency sells homeowners insurance for individuals who own condos, apartments, houses, and investment properties. Its policies cover the cost of repairing the home in the event of fires, thunderstorms, and vandalism. It also reimburses the policyholder for stolen and damaged belongings. Additionally, Coughlin Insurance sells business, auto, and boat insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

396 Washington Street, Boston, MA 02135

Expertise.com Rating

Review Sources

Yelp
4.5 (8)
Facebook
5.0 (5)

Why choose this provider?

With over 75 years of experience, F.I. Patnode Insurance Agency serves people and businesses in the Cambridge metro area. The family-owned business compares home insurance policies across multiple companies and can adjust coverage when situations change. Additionally, it provides coverage for rental properties, as well as vacation and second homes. Its business insurance packages include investment property, umbrella liability, workers' compensation, and condominium master policies.

  • Renter's Insurance

599 Cambridge Street, Cambridge, MA 02141

Expertise.com Rating

Review Sources

Google
5.0 (6)

Why choose this provider?

Fucillo & Sasso Associates Insurance Agency is a family-owned independent insurance agency serving clients in Cambridge since 1990. The team helps individuals find homeowners coverage for single-and multi-family homes, condos, and rental properties to protect dwellings, furnishings, and loss of use while covering additional buildings on the property and the liability to cover injuries in the home or on its grounds. The agency also helps renters with landlord's insurance. In addition, Fucillo & Sasso Associates Insurance Agency also offers auto, business, life, and disability insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

54 Broadway, Norwood, MA 02062

Expertise.com Rating

Review Sources

Google
4.2 (5)
Facebook
4.3 (3)
Yelp
4.0 (3)

Why choose this provider?

Affordable Insurance Agency Inc. caters to the insurance needs of homeowners and business property owners in Cambridge and the neighboring areas. The company provides insurances for different types of homes, such as traditional site-placed homes, condominiums, and apartments. The homeowners' insurance policy includes property or dwelling coverage and protection for personal belongings and valuable items. Coverages for high-value homes are also available. The women-owned company has been in the insurance industry since 1987.

  • Condos
  • Multiple Policy Types
  • Flood

475 High Street, Dedham, MA 02026

Expertise.com Rating

Review Sources

Google
4.9 (110)
Facebook
4.9 (64)

Why choose this provider?

Cavallo & Signoriello Insurance Agency has been serving individuals, families, and businesses in the Cambridge area since 1959. It provides home insurance, which covers personal possessions and additional living expenses. It also includes liability coverage, which helps pay for expenses resulting from damage or injuries that take place at the policyholder's property. Liberty Mutual, Chubb, and The Hartford are some of the firm's partner carriers. It is co-owned by Ben Cavallo, a Certified Insurance Counselor, Certified Insurance Service Representative, and Accredited Adviser in Insurance.

  • Multiple Policy Types
  • Condos

1534 Dorchester Avenue, Dorchester, MA 02122

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

H. Levenbaum Insurance Agency has been catering to the insurance needs of homeowners and business property owners in Cambridge and the surrounding areas since 1923. Its homeowners' insurance policy covers damage to property and its contents due to fire, flood, water back-up, theft, and personal injury. The insurance also covers additional living expenses or loss of use, medical expenses, personal liability, and excess liability. The company also offers specific policies for secondary homes and valuables such as jewelry, fine arts, and collectibles.

  • Personal Property Insurance
  • Multiple Policy Types

125 Cambridge Park Drive, Cambridge, MA 02140

Expertise.com Rating

Review Sources

Facebook
5.0 (63)
Google
5.0 (10)

Why choose this provider?

Econosurance is a full-service insurance company that has been serving the Cambridge metro area since 1992. The firm provides professional guidance and counseling to individuals and families who plan to secure their single-family homes and personal assets through a homeowners' insurance policy. Its agents educate customers on the different coverage options, including structures, personal property, additional living expenses, and liability protection. Other insurance offerings include property, vehicle, personal, and commercial policies. The company represents top-rated insurance carriers throughout Massachusetts.

  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

92 Main Street, Boston, MA 02129

Expertise.com Rating

Review Sources

Google
4.7 (31)
Facebook
5.0 (11)

Why choose this provider?

Flynn Insurance Agency Inc. has been providing insurance solutions to homeowners and businesses in Cambridge for more than 30 years. The company assists individuals and families to insure their homes and personal belongings in the event of disasters, accidents, and other unfortunate events. The firm's homeowners' insurance policy covers structural repairs, reimbursements for lost or stolen items, and coverage for medical fees and liability charges. The company is a member of the Independent Insurance Agents & Brokers of America.

  • Multiple Policy Types

1092 Cambridge Street, Cambridge, MA 02139

Expertise.com Rating

Review Sources

Google
4.6 (16)

Why choose this provider?

Ribeiro DeSousa Insurance provides homeowners' insurance to clients in Cambridge and nearby areas. It has been protecting homeowners from stolen or destroyed assets and properties through insurance policies since 1982. Homeowners' insurance can grant funds in case a home is vandalized, damaged by fire, or robbed. It can also protect homeowners from potential lawsuits if a guest is injured in their home. Ribeiro DeSousa Insurance can also grant renters insurance, business insurance, and auto insurance.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

1939 Mass Avenue, Cambridge, MA 02140

Expertise.com Rating

Review Sources

Google
4.3 (15)
Yelp
5.0 (10)
Facebook
5.0 (2)

Why choose this provider?

Galante Insurance is an independent insurance agency based in Cambridge. Its founder and president, Ralph J. Galante, LIA, has been in the business since 1954. The company provides a homeowners' insurance plan that includes the protection of a home or personal belongings against loss or damages from disasters like fire, flood, or earthquake. It also includes liability protection for injuries sustained by other people while on the client's property. Additional living expenses may also be covered.

  • Fire
  • Multiple Policy Types

125 Cambridge Park Drive, Cambridge, MA 02140

Expertise.com Rating

Review Sources

Google
4.7 (34)
Yelp
4.5 (25)
Facebook
5.0 (6)

Why choose this provider?

Eagle Trust Insurance is a Cambridge-based company that provides assistance in several areas including home insurance. It helps clients acquire insurance policies that cover property damage and personal liability for damages or personal injuries the homeowner is responsible for. Home insurance policies may also include protection for valuable personal possessions such as antiques and collectibles. Eagle Trust Insurance has been handling clients' insurance needs for more than three decades. Its founder, Carl A. Garcia, has earned a bachelor's degree in business.

  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
garrity-insurance.com
545 Concord Avenue, Cambridge, MA 02138
Today's Insurance
777 Cambridge Street, Cambridge, MA 02141
Coughlin Insurance
14 Dinley Street, Dracut, MA 01826
patnode.com
396 Washington Street, Boston, MA 02135
Fucillo & Sasso Associates Insurance Agency
599 Cambridge Street, Cambridge, MA 02141
Affordable Insurance Agency Inc.
54 Broadway, Norwood, MA 02062
Cavallo & Signoriello Insurance Agency
475 High Street, Dedham, MA 02026
H. Levenbaum Insurance Agency
1534 Dorchester Avenue, Dorchester, MA 02122
Econosurance
125 Cambridge Park Drive, Cambridge, MA 02140
Flynn Insurance Agency Inc.
92 Main Street, Boston, MA 02129
Ribeiro DeSousa Insurance
1092 Cambridge Street, Cambridge, MA 02139
Galante Insurance
1939 Mass Avenue, Cambridge, MA 02140
Eagle Trust Insurance
125 Cambridge Park Drive, Cambridge, MA 02140

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Are Cambridge residents legally required to have home insurance?

    In Cambridge, there's no law mandating that homeowners insure their property. However, if you've taken out a mortgage, your lender may require home insurance. However, they can't dictate which insurer you should choose or force coverage beyond the home's replacement value. Failing to maintain the policy might lead to repercussions based on your loan agreement.

  • What's the average homeowner's insurance cost in Cambridge relative to the national figure?

    In Cambridge, homeowners typically pay around $1,312 annually for insurance, which is notably less than the U.S. average of $1,477. However, specific costs in Massachusetts vary. For example, insurance for a luxury residence in Nantucket differs from coverage for a two-bedroom in North Adams. Rates hinge on factors like coverage amount, chosen insurer, property specifics, and deductible levels.

  • After closing, can you change your home insurance in Cambridge if you find a better offer elsewhere?

    Certainly, Cambridge homeowners aren't bound to an initial insurance policy post-closing. It's wise to periodically evaluate your coverage and explore the market for optimal rates and benefits. If you stumble upon a superior or more fitting policy, you're free to transition to a different insurer. Regular policy assessments ensure you maintain top-notch protection at competitive prices.

  • How should you establish the right home insurance coverage amount for your property, especially if it has custom features?

    The insurance coverage amount in Cambridge should be based on the rebuilding costs, excluding foundation and land. Don't rely on sale prices, tax evaluations, or mortgage assessments. If your residence boasts distinct elements like specialized woodwork or stained glass, discuss them with your insurance agent. Omissions might lead to insufficient coverage during claims. Furthermore, review coverage for personal items and discuss liability protection with your agent.

  • Do standard homeowners' insurance policies in Cambridge cover flooding, earthquakes, and damage from poor maintenance?

    No, standard homeowners' policies often exclude coverage for flooding, earthquakes, and neglect-related damage. To shield against floods or earthquakes, separate policies are necessary. Among these, flood insurance is particularly important. Issues arising from inadequate home upkeep remain the owner's responsibility and aren't insured.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.