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2024

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Best Homeowners Insurance Agencies in Lawrence, MA

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Lawrence 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.

58Reviewed

40Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

645 Broadway, Lawrence, MA 01841

Expertise.com Rating

Review Sources

Google
4.5 (80)

Why choose this provider?

Leslie Insurance Agency offers insurance options to residents and business property owners in Lawrence and the surrounding areas. Its homeowners' insurance policy has various inclusions, such as property coverage, personal property protection, temporary living expenses in the case of complete loss of home, liability protection, and medical expenses for guests injured or harmed while in the client's property. The contents of the company's website are available in both English and Spanish.

  • Multiple Policy Types

254 Pleasant Street, Methuen, MA 01844

Expertise.com Rating

Review Sources

Google
4.8 (17)
Yelp
4.0 (1)

Why choose this provider?

Hasbany, Regan & O'Connell Insurance Agency is an independent insurance company that serves clients in Lawrence and throughout the states of Massachusetts and New Hampshire. With access to all types of personal insurance coverages, the agents at this company can craft a comprehensive homeowners' insurance plan to protect homes and belongings. The policy coverage includes personal property and liability. The additional lines of insurance that they offer include beach homes, high-value homes, and secondary residences.

  • Condos
  • Multiple Policy Types
  • Flood

91 Plaistow Road, Plaistow, NH 03865

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Verge Agency represents multiple carriers to deliver the homeowners insurance policy that best meets its clients' needs. The company's professionals evaluate individual situations, such as the replacement value of the home and personal possessions, in order to deliver appropriate protection. Policies include recovery for damages caused by most disasters as well as theft and vandalism. In addition to standard coverage, Verge Agency provides separate earthquake and flood policies. The company's other products include business, auto, life, and health insurance.

  • Earthquake
  • Flood
  • Fire

86 Broadway, Lawrence, MA 01840

Expertise.com Rating

Review Sources

Google
4.5 (13)
Facebook
5.0 (2)

Why choose this provider?

Walter Insurance Agency is an insurance agency in Lawrence that has been providing all lines of insurance to the community since 1997. It has helped many individuals and families protect their homes and belongings through home insurance. The experts at this agency can also customize the home insurance protection coverage to meet the requirements of the clients. Walter Insurance Agency is also trusted by small businesses in terms of providing complete protection for the company or organization.

  • Multiple Policy Types

252 Pleasant St, Methuen, MA 01844

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

B.T. O'Connell Insurance Agency provides homeowners' insurance in and nearby Lawrence. It covers the clients' properties from any damage or destruction due to fires or other disasters. It also covers the medical fees or settlements for those injured at the house. The agency examines the house and checks any existing policies for any lacking concerns in the coverage and money-saving alternatives. It also guides the clients with filing claims, changing insurance details, or clarifying any confusion with terms or conditions.

  • Personal Property Insurance
  • Multiple Policy Types

184 Pleasant Valley St, Suite 1-206, Methuen, MA 01844

Expertise.com Rating

Review Sources

Google
4.3 (6)

Why choose this provider?

Since 1973, Advantage Insurance Agency, Inc. has been helping clients in Lawrence to protect their properties including homes, condominiums, apartments, and commercial rentals. Homeowners' insurance help clients protect families and their belongings from untoward financial losses caused by fire, storms, and theft. This agency walks clients through the process of assessing a suitable insurance product to match their budgets, with the availability of 24/7 customer support. Its insurance agents also help in securing coverage for automobiles, recreational vehicles, boats, and watercraft.

  • Personal Property Insurance

147 Lowell Street, Methuen, MA 01844

Expertise.com Rating

Review Sources

Google
4.7 (24)
Facebook
5.0 (1)

Why choose this provider?

Marquis & Coughlan Insurance Agency assists homeowners in the Lawrence area that seek to ensure financial security for their properties and personal belongings. Based in Methuen, the agency helps homeowners identify insurance policies that best suit their unique needs. Marquis & Coughlan Insurance's services focus on obtaining coverage for physical property structures, replacement costs, valuables, personal liabilities, and temporary living expenses. The family-run firm has approximately 50 years of insurance experience and also covers valuable items and damages from floods and earthquakes.

  • Multiple Policy Types

10 South Broadway, Lawrence, MA 01843

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Silverio Insurance Agency has provided homeowners insurance coverage in Lawrence for more than 37 years. The independent agency represents multiple carriers to deliver the personalized protection its clients require. Its licensed professionals evaluate individual needs for home and personal possession coverage. They recommend policies that cover damage from unexpected events like fire and vandalism in addition to liability. Silverio Insurance Agency also offers separate flood and earthquake insurance. Additionally, it provides condo owners with customized options.

  • Fire
  • Multiple Policy Types
  • Flood

10 West Main Street, Georgetown, MA 01833

Expertise.com Rating

Review Sources

Google
5.0 (44)
Facebook
4.5 (8)
Yelp
3.0 (2)

Why choose this provider?

Georgetown Insurance Agency Inc. is an independently owned company. Its licensed professionals assess their clients' needs in order to provide personalized homeowners coverage. They evaluate such concerns as the replacement value of the home and all personal possessions. The company represents multiple carriers to deliver the most comprehensive policy that covers damage caused by most natural disasters in addition to theft and vandalism. It also offers supplemental coverage for earthquakes and floods.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

95 Ayer St, Methuen, MA 01844

Expertise.com Rating

Review Sources

Google
4.8 (72)
Yelp
5.0 (1)

Why choose this provider?

Michaud Insurance Agency Inc. offers insurance options to residents and business property owners in Lawrence and the rest of the region. The agents advise the clients on the right homeowners' insurance policy to get in order to protect their private residence and the contents in it. The insurance policy provides compensation for financial losses and damages due to tragedy or disaster. The agency provides different options from multiple carriers for the clients to choose from.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

156 Haverhill Street, Methuen, MA 01844

Expertise.com Rating

Review Sources

Google
3.9 (14)

Why choose this provider?

Joanne K. Mills Insurance Agency offers insurance options to residents and business property owners in Lawrence and the surrounding communities. Its agents help clients decide on the right homeowners', renters', and condominium owners' insurance policy that fits their needs and budget. The company's homeowners' insurance policy protects the property and its contents from financial losses in the unfortunate event of disasters. The company has been in the insurance business for more than two decades.

  • Multiple Policy Types

36 Hawthorne Avenue, Methuen, MA 01844

Expertise.com Rating

Review Sources

Google
4.1 (15)

Why choose this provider?

Hays Insurance offers homeowners' insurance policies to the residents of Massachusetts and New Hampshire from its office in Methuen. Clients in Lawrence can avail of the policy to protect their homes with coverage for the dwelling, unattached structures, personal property, loss of use, and personal liability. Some of the firm's carriers are Travelers, Plymouth Rock Assurance, Foremost Insurance Group, and The Concord Group. Hays Insurance is a local, family-owned, independent agency that has over 50 years of experience.

  • Multiple Policy Types

359 Main Street, Haverhill, MA 01830

Expertise.com Rating

Review Sources

Google
3.3 (7)
Yelp
5.0 (3)

Why choose this provider?

Cowan Insurance Agency Inc. is a family-owned company that's provided homeowners coverage since 1938. It represents a variety of carriers to deliver clients the protection they need for their homes and personal possessions. The company's licensed agents evaluate individual circumstances to help ensure the appropriate policy's in place to cover unexpected disasters like fire and vandalism as well as liability for injured guests. Cowan Insurance Agency also offers flood and umbrella insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Leslie Insurance Agency
645 Broadway, Lawrence, MA 01841
Hasbany, Regan & O'Connell Insurance Agency
254 Pleasant Street, Methuen, MA 01844
Verge Agency
91 Plaistow Road, Plaistow, NH 03865
Walter Insurance Agency
86 Broadway, Lawrence, MA 01840
B.T. O'Connell Insurance Agency
252 Pleasant St, Methuen, MA 01844
Advantage Insurance Agency, Inc.
184 Pleasant Valley St, Suite 1-206, Methuen, MA 01844
Marquis & Coughlan Insurance Agency
147 Lowell Street, Methuen, MA 01844
Silverio Insurance Agency
10 South Broadway, Lawrence, MA 01843
Georgetown Insurance Agency, Inc.
10 West Main Street, Georgetown, MA 01833
Michaud Insurance Agency Inc.
95 Ayer St, Methuen, MA 01844
Joanne K. Mills Insurance Agency
156 Haverhill Street, Methuen, MA 01844
Hays Insurance
36 Hawthorne Avenue, Methuen, MA 01844
Cowan Insurance Agency, Inc.
359 Main Street, Haverhill, MA 01830

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.
  • What are the basic risks covered by homeowners' insurance in Lawrence?

    The basic risks covered by homeowners' insurance in Lawrence are harms caused by severe weather, such as fires, lightning, and wind. Perils introduced by humans, such as theft, are in basic policies. The personal liability incurred by the insured for torts cases is also compensated by home assurance contracts.

  • How may a resident of Lawrence get additional coverage for risks not included in homeowners' insurance policies?

    A resident of Lawrence may get additional coverage for risks not included in homeowners' insurance policies by obtaining an umbrella policy. This covers claims and lawsuits against the insured and raises the sums that the insurer has to pay in case a tort case is filed against the client.

  • What items in a Lawrence homeowner's house need to be scheduled for proper insurance coverage?

    A homeowner in Lawrence should schedule highly valuable items to receive insurance coverage. These include special collections like memorabilia and fine crystals, antiques, furs, and fine arts. Otherwise, the coverage will either be nonexistent or so limited that only a small fraction of the property's cost will be included.

  • Why do homeowners' insurance products in Lawrence fall short of covering the whole appraised value of a house?

    Homeowners' insurance products in Lawrence fall short of covering the whole appraised value of a house because the value of the land is not covered by insurers but is in the appraisal. It is highly unlikely for land to ever be lost in the event of a covered risk, and what usually happens is that only the structure sustains harm or loss. Hence, only the structure is covered.

  • Why is it tricky to get a replacement cost homeowners' policy for an older house in Lawrence?

    It is tricky to get a replacement cost homeowners' policy for an older house in Lawrence because the age of the structure makes it impossible to perfectly replace lost or damaged portions. The materials used may be different, and changes in building codes could make restoring the home to its exact previous state impossible. Thus, modified replacement cost policies are offered instead.

  • 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.

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