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2024

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Best Homeowners Insurance Agencies in Lowell, MA

Our Recommended Top 11

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 Lowell 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.

73Reviewed

48Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

19 Mill Court, Lowell, MA 01852

Expertise.com Rating

Review Sources

Google
4.1 (30)
Facebook
5.0 (16)
Yelp
5.0 (2)

Why choose this provider?

Monica Insurance Agency is a local homeowners' insurance agency that serves the residents of Lowell and the surrounding areas. Founded in 2003 by Monica Swaida, this insurance company provides assistance to homeowners who are looking to get their properties insured. Swaida's team educates families about the replacement costs involved in securing both the building structure and personal properties and customizes home insurance policies based on the clients' needs. Monica Insurance Agency also offers auto insurance and commercial insurance.

  • Multiple Policy Types

10 Kearney Rd., Needham, MA 02494

Expertise.com Rating

Review Sources

Google
4.1 (17)
Facebook
1.0 (1)
Yelp
1.0 (1)

Why choose this provider?

Kaplansky Insurance is an insurance agency that has been serving clients in Lowell since 1974. Its products and services include home insurance which covers various risks, no matter how small or large. Specifically, the company's homeowners' insurance policy includes coverage for water backup, personal property or contents property damage, personal liability and medical expenses, and off-premises theft. Kaplansky Insurance also provides protection plans for business owners, commercial properties, automobiles, and condos.

  • Personal Property Insurance
  • Multiple Policy Types

703 Chelmsford Street, Lowell, MA 01851

Expertise.com Rating

Review Sources

Google
4.6 (32)
Yelp
5.0 (2)

Why choose this provider?

Action Auto Insurance Agency, Inc., is an insurance company in Lowell that focuses on individual insurance products and services, including homeowners' insurance. The firm assists individuals and families in securing their homes and personal assets against unfortunate events. Its licensed agents provide several homeowners' coverage options, including repairs and rebuilding, home contents, personal liability, and additional living expenses. They also offer home and auto insurance bundles to qualified customers. Other services include auto, commercial auto, and motorcycle insurance.

  • Multiple Policy Types

799 Gorham Street, Lowell, MA 01852

Expertise.com Rating

Review Sources

Google
4.4 (25)
Facebook
5.0 (21)

Why choose this provider?

I - Insurance Group is a full-service general insurance agency servicing hundreds of clients in the Lowell area. It offers comprehensive coverage via homeowners' insurance policies to first-time buyers, seasoned owners, condominium owners, or renters. The agency represents a number of leading insurance companies to get the right coverage for their clients. I - Insurance Group also offers auto, life, business, and commercial insurance. Services are available in English, Portuguese, and Spanish.

  • Multiple Policy Types

508 Westford Street, Lowell, MA 01851

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (3)

Why choose this provider?

K K Insurance is an insurance company based in Lowell, Massachusetts. It helps clients consider the most fitting coverage, taking into account their preferences, location, and risks. It has insurance plans that can help clients if their houses are damaged by natural disasters or crimes like vandalism and theft. It also covers the possibility of losing the house to fire or water damage. The company works with businesses such as Bunker Hill Home Insurance, Metlife, and Plymouth Rock Assurance.

  • Fire
  • Personal Property Insurance
  • Multiple Carriers

81 Plain Street, Lowell, MA 01851

Expertise.com Rating

Review Sources

Google
4.9 (39)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Established in 1985, Paul A. Balakin Insurance Agency is an independent insurance agency catering to clients in the Lowell area. It offers comprehensive homeowners' insurance policies, providing coverage for the dwelling as well as things like equipment breakdown and replacements on stolen or damaged contents. Discounts for home coverage include alarm discount, green discount, nonsmoking discount, mature homeowner discount, account discount, and advantage endorsement. It also offers combined homeowners' and auto insurance. Paul A. Balakin Insurance Agency is a family-owned and operated business.

  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

287 Appleton Street, Lowell, MA 01852

Expertise.com Rating

Review Sources

Facebook
5.0 (17)
Google
4.1 (9)

Why choose this provider?

Best Choice Insurance Agency is a Lowell-based independent agency that has been providing its services for 20 years. The company offers a variety of insurance policies, including home insurance. Home insurance protects homeowners' properties from natural disasters and incidents like theft. Its insurance agents assist clients in understanding the different kinds of insurance to help them decide which one is the most suitable for their needs. Best Choice Insurance Agency works with several insurance providers like Pilgrim, Safeco Insurance, and Bunker Hill Home Insurance.

  • Multiple Policy Types

850 Chelmsford St, Lowell, MA 01851

Expertise.com Rating

Review Sources

Google
4.7 (134)
Yelp
3.0 (2)

Why choose this provider?

A-Affordable Insurance Agency, Inc., helps homeowners in the Lowell area determine the right insurance policies for their residential investments. The agency assists clients in securing coverage for replacement costs following damages or losses caused by unforeseen events including fire, vandalism, theft, and weather-driven disasters. A-Affordable Insurance Agency's services also cover options such as liability costs, additional living expenses for temporarily uninhabitable properties, and other costs brought by earthquakes and flooding. The firm has been servicing clients across Massachusetts since 1984.

  • Fire
  • Multiple Policy Types

191 Pawtucket Boulevard, Lowell, MA 01854

Expertise.com Rating

Review Sources

Yelp
4.5 (3)
Google
5.0 (1)

Why choose this provider?

Established in 1906, Byam Insurance is a family business offering insurance services through its office in Lowell. Its insurance professionals work with its clients to determine the homeowners' insurance coverage most suitable to their needs. Aside from coverage for the dwelling, its homeowners' insurance policy can also cover liability protection, contents coverage, and loss of use coverage. The policy can also cover damage to other structures, including an unattached garage or storage shed.

  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types

199 Great Road, Acton, MA 01720

Expertise.com Rating

Review Sources

Google
3.9 (12)
Facebook
5.0 (1)

Why choose this provider?

Gallant Insurance Agency Inc. provides homeowners and property insurance policies to customers in Lowell and surrounding cities. In business since 1957, the company offers no-obligation quotes via its online calculator, and it provides 24/7 assistance for claims. The business provides policies for homes, condos, apartments, and vacant dwellings, and it represents multiple insurance carriers to help customers compare rates and find plans best suited to their specific needs and budgets.

  • Condos
  • Renter's Insurance
  • Flood

1641 Bridge Street, Dracut, MA 01826

Expertise.com Rating

Review Sources

Google
4.9 (23)
Facebook
5.0 (9)

Why choose this provider?

L'Hussier Insurance is an independent agency serving Lowell and the neighboring communities. It offers a number of home insurance solutions covering homes, condos, and rental properties in cases of flooding or dwelling fire. The firm also offers auto, life, boat, and valuable items insurance policies. Commercial clients can also choose from several commercial options, including professional liability, equipment breakdown, cyber liability, and workers' compensation. The family-owned and family-operated agency has been around since 1974.

  • Life Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Monica Insurance Agency
19 Mill Court, Lowell, MA 01852
Kaplansky Insurance
10 Kearney Rd., Needham, MA 02494
Action Auto Insurance
703 Chelmsford Street, Lowell, MA 01851
I – Insurance Group
799 Gorham Street, Lowell, MA 01852
KK Insurance
508 Westford Street, Lowell, MA 01851
Paul A. Balakin Insurance Agency
81 Plain Street, Lowell, MA 01851
Best Choice Insurance Agency
287 Appleton Street, Lowell, MA 01852
A-Affordable Insurance Agency, Inc.
850 Chelmsford St, Lowell, MA 01851
Byam Insurance
191 Pawtucket Boulevard, Lowell, MA 01854
Gallant Insurance Agency, Inc.
199 Great Road, Acton, MA 01720
L'Hussier Insurance
1641 Bridge Street, Dracut, MA 01826

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 is the difference between actual cash value and replacement cost when it comes to home insurance in Lowell?

    Actual cash value in Lowell homeowners insurance plans refers to how much it would cost to replace an item minus the amount for depreciation or the loss of value as an item ages or wears. Replacement cost, on the other hand, refers to the amount required to repair or replace the damaged property using materials of similar kind and quality without taking into account depreciation.

  • Can a Lowell home insurance company cancel coverage during the policy term?

    According to Massachusetts law, which Lowell follows, a homeowners insurance agency can cancel coverage even during the policy's term if the policyholder commits fraud or is convicted of a crime related to an act that increases hazards on the insured property. Another valid reason for policy cancellation is if the policyholder has failed to pay the premiums or has made physical changes to the home that have rendered it uninsurable.

  • What property damage would not covered by home insurance in Lowell?

    Most Lowell home insurance agencies or companies do not provide coverage for property damage caused by floods and earthquakes. Home insurance policies frequently exclude damage to one's home caused by wars, normal wear and tear, intentional damage, and nuclear accidents. However, it all comes down to the specifics of one's plan, so homeowners should discuss these in depth with their insurer.

  • What factors determine the cost of homeowners insurance in Lowell?

    The location of the house, such as the region or ZIP code, is one factor. It also matters if the property is in a state with a high risk of weather disturbances or a high crime rate. Coastal properties and homes near the woods typically require more insurance. Another consideration is the building materials used. Concrete block homes, for example, are less expensive to insure than houses with wooden frames because the former is less likely to catch fire. Finally, homeowners who have had multiple previous losses are more likely to pay a higher home insurance rate.

  • What should one do if they cannot find a home insurance plan for their property in Lowell?

    If a Lowell homeowner cannot find the right insurance agency or policy for their needs, the Massachusetts Property Insurance Underwriting Association can help. This is a residual insurance market association that provides homeowners with basic coverage on eligible properties. It is also known as the Massachusetts Fair Access to Insurance Requirements (FAIR) Plan. The Massachusetts Division of Insurance receives and approves applications.

  • 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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