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2025

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Best Homeowners Insurance Agencies in Somerville, MA

Our Recommended Top 14

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 Somerville 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.

59Reviewed

41Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1812 Massachusetts Ave, Cambridge, MA 02140

Expertise.com Rating

Review Sources

Facebook
5.0 (26)
Google
4.4 (12)
Yelp
3.0 (2)

Why choose this provider?

Established in 1898, WT Phelan Insurance is a family-owned independent insurance agency that helps Somerville residents find the right home insurance for them. Its team of professional agents has access to more than 25 insurance providers in the state and can present various options that match its clients' needs, risks, and budgets. The agency also collaborates with reliable local lenders and attorneys to help their clients close the insurance policy without any delay. WT Phelan Insurance is located in Belmont, Cambridge, Lexington, Watertown, and Woburn.

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

415 Highland Avenue, Somerville, MA 02144

Expertise.com Rating

Review Sources

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

Why choose this provider?

H.J. Wiseman Insurance Agency Inc. is a family-owned and family-operated insurance agency located in Somerville that has been serving the community in the area for more than five decades. The agency offers homeowners' insurance policies that can help property owners protect their assets against losses. H.J. Wiseman Insurance Agency Inc. represents several insurance providers such as Safety Insurance, Travelers, CNA Surety, Mass Property Insurance, and The Hingham Group, giving homeowners more policy options to choose from.

  • Multiple Policy Types

506 Main Street, Medford, MA 02155

Expertise.com Rating

Review Sources

Google
4.2 (9)
Yelp
4.0 (1)

Why choose this provider?

Marchionne Insurance is an independent insurance agency serving clients in the Medford, Woburn, and Somerville areas. The agency evaluates the individual needs of clients and offers a variety of insurance products and rates from home, auto, life to business insurance policies. The homeowners' insurance policy helps clients protect their homes or condominiums from unexpected losses. Marchionne Insurance has also worked with business owners, both large and small, to protect their livelihoods through coverages such as general liability, commercial auto, property, workers compensation, and more.

  • Flood
  • Renter's Insurance
  • Condos

57 Putnam St, Winthrop, MA 2152

Expertise.com Rating

Why choose this provider?

Baldwin, Welsh, & Parker Insurance is an insurance agency near Somerville that has roots going back to the mid-1800s. The agency offers personal insurance packages, including homeowners policies, that cover clients' residences and belongings. The packages cover the home and contents from theft and damage from vandalism and natural disasters. The company also sells insurance to cover rental properties and condos. Additionally, the agency offers general business and auto insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

92 Main St, Boston, MA 02129

Expertise.com Rating

Review Sources

Google
4.6 (24)
Facebook
5.0 (11)

Why choose this provider?

Flynn Insurance Agency, Inc., has been giving homeowners' insurance quotes for the residents of Somerville and other New England communities for more than 36 years. The agency offers standard homeowners' insurance, which can be extended through special endorsements for water backup and ordinance coverage. It also offers policies for condominium unit owners and rental property tenants. As an independent agency, the firm allows clients to select the specific products and coverages that they need from multiple carriers.

  • Multiple Policy Types

599 Cambridge Street, Cambridge, MA 02141

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Fucillo & Sasso Associates Insurance Agency covers homeowners in Somerville. The company offers different insurance plans for clients living alone, with parents, or with several family members. Its agents help them find a policy that covers general risks like accidents or injuries. It also helps clients in filing claims and talking with insurance carriers to be properly compensated. The family-owned agency was established in 1990 and offers other insurance plans for life, for cars, and for different businesses.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

100 Summer Street, Boston, MA 02110

Expertise.com Rating

Review Sources

Google
4.8 (135)
Facebook
4.9 (5)

Why choose this provider?

State Fund Insurance provides homeowners around the Somerville area with insurance coverage for their homes and personal belongings. State Fund's agents offer various policies from different insurance providers to help clients choose what fits their needs the most. Homeowners' insurance usually covers the costs of replacing, rebuilding, or repairing any damage caused by unforeseen circumstances like fire, hail, theft, or vandalism. They also offer coverage for personal belongings and provide umbrella insurance for other circumstances not covered by regular policies.

  • Multiple Policy Types

66 Bow Street, Medford, MA 02155

Expertise.com Rating

Review Sources

Google
4.7 (36)
Facebook
5.0 (3)
Yelp
4.5 (2)

Why choose this provider?

Amazonia Insurance caters to homeowners in the Somerville area that want to secure financial protection for their residences and valuables. The agency works to helps residents obtain coverage for damages resulting from covered risks such as fires, explosions, theft, and falling objects. Amazonia Insurance also assists clients in identifying insurance policies for temporary living expenses when homes become uninhabitable due to events such as hurricanes or wildfires. The firm was founded in 1993 and also provides services for business insurance matters.

  • Multiple Policy Types

411 Highland Avenue, Somerville, MA 02144

Expertise.com Rating

Review Sources

Google
4.4 (7)
Yelp
5.0 (1)

Why choose this provider?

Garrett-Lynch Insurance Agency is a Somerville independent insurance agency that has been serving its community since 1934. The agency offers homeowners insurance to help their clients protect their homes financially against disasters like fire or theft. Additionally, the company offers other insurance products, including auto, renters, business, and life insurance. Garrett-Lynch Insurance represents several insurance providers such as Arbella Mutual Insurance, MAPFRE, Norfolk & Dedham Insurance. CNA Surety, Mass Property Insurance, and The Quincy Mutual Group. Garrett-Lynch Insurance Agency has been recognized by the Reader’s Choice Awards three times as the best insurance agency in its community.

  • Renter's Insurance
  • Multiple Policy Types

92 High Street, Medford, MA 02155

Expertise.com Rating

Review Sources

Google
4.9 (28)
Facebook
5.0 (11)

Why choose this provider?

Bates Insurance Agency Inc. has been helping clients in the Medford and Somerville areas with their insurance needs since 1976. Its homeowners' insurance policy provides financial protection for its clients in case their homes are damaged due to unexpected events. The agency can customize the homeowners' insurance to fit the needs of its clients. Aside from property damage coverage, it can cover personal property, personal liability, jewelry and fine art, medical expenses, and personal injury.

  • Multiple Policy Types

125 Cambridge Park Drive, Cambridge, MA 02140

Expertise.com Rating

Review Sources

Google
4.6 (32)
Yelp
4.5 (25)
Facebook
5.0 (6)

Why choose this provider?

Founded in 1989, Eagle Trust Insurance caters to residents of the Somerville area. As an independent insurance agency, it offers a wide range of insurance policies including homeowners' insurance. The company's team of insurance agents works closely with clients to determine the right policy that suits their unique needs, whether it is a basic policy or a comprehensive one. These agents can help protect a client's dwelling and their personal belongings inside the home.

  • Multiple Policy Types

1939 Massachusetts Avenue, Cambridge, MA 02140

Expertise.com Rating

Review Sources

Google
4.3 (15)
Facebook
5.0 (2)

Why choose this provider?

Ralph J. Galante Insurance Agency, Inc., services the residents of Somerville through its insurance specialists. This firm works with multiple insurance companies, including Chubb, Philadelphia, One Beacon, and Zurich, to ensure homeowners obtain adequate insurance coverage for their investments. This financial coverage includes protection for losses or damages associated with their possessions and homes. President and founder Ralph J. Galante is a licensed insurance advisor who has provided assistance to clients since 1954.

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

689 Fellsway Route 28, Medford, MA 02155

Expertise.com Rating

Review Sources

Google
4.8 (21)
Facebook
5.0 (2)

Why choose this provider?

The Risman Insurance Agencies has been meeting the insurance needs of clients in the Medford and Somerville areas since 1925. Its homeowners insurance is designed to cover any damages a house might incur from unanticipated events. The policies also include liability coverage, which covers the cost of repair or replacement of another person's property in case it's damaged within the client's property. Additionally, it covers financial losses to the house due to fire, wind, hail, and theft.

  • Renter's Insurance
  • Multiple Policy Types
  • Earthquake

629 Broadway, Everett, MA 02149

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
3.8 (5)

Why choose this provider?

Philbin Insurance Group is an insurance agency that offers insurance packages for both individuals and businesses in the Somerville area. One of the packages it sells for individuals is homeowners insurance, which covers clients' homes and contents in the event of natural disasters and theft. Its homeowners plans also cover the cost of medical care for individuals who were hurt on the property. Additionally, the agency sells packages for cars and weddings.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
WT Phelan Insurance
1812 Massachusetts Ave, Cambridge, MA 02140
H.J.Wiseman Insurance Agency Inc.
415 Highland Avenue, Somerville, MA 02144
Marchionne Insurance
506 Main Street, Medford, MA 02155
Baldwin, Welsh & Parker Insurance
57 Putnam St, Winthrop, MA 2152
Flynn Insurance Agency, Inc.
92 Main St, Boston, MA 02129
Fucillo & Sasso Associates Insurance Agency
599 Cambridge Street, Cambridge, MA 02141
State Fund Insurance
100 Summer Street, Boston, MA 02110
Amazonia Insurance
66 Bow Street, Medford, MA 02155
Garrett-Lynch insurance Agency
411 Highland Avenue, Somerville, MA 02144
Bates Insurance Agency Inc.
92 High Street, Medford, MA 02155
Eagle Trust Insurance
125 Cambridge Park Drive, Cambridge, MA 02140
Ralph J. Galante Insurance Agency, Inc.
1939 Massachusetts Avenue, Cambridge, MA 02140
Risman Insurance Agencies
689 Fellsway Route 28, Medford, MA 02155
Philbin Insurance Group
629 Broadway, Everett, MA 02149

Somerville, MA Homeowners Insurance Agency FAQs

  • Will your personal belongings be covered if you have homeowners insurance in Somerville?

    Most homeowners insurance policies cover personal belongings in Somerville. This coverage includes the personal effects of family members who are staying in your house. However, this does not include the personal properties of boarders or tenants living with you unless you have specifically made an arrangement with your insurance carrier. Additionally, jewelry and other high-value personal effects may need separate insurance coverage, as these items only have limited coverage under standard homeowner's insurance.

  • What information do you need to provide a home insurance agent if you are planning to purchase a policy in Somerville?

    If you are planning to get a homeowner's insurance policy in Somerville, you need to provide a proper description of your home, such as the total land area and date of construction. You will need to describe the immediate surroundings with photos, such as fire hydrants, security features, and other emergency services in the vicinity.

  • If you rent out a portion of your home, do you still need homeowners insurance in Somerville?

    If you are renting out your home to an individual or a family in Somerville, you will need to get a landlord's policy, as standard homeowners insurance will not be able to provide enough coverage. A landlord's insurance typically covers the structure of the property, personal properties, and liabilities. Rental income may also be covered in cases where the property cannot be rented out due to damages.

  • Will your standard homeowners insurance cover damages from floods in Somerville?

    Your standard homeowner's insurance will not cover any damages to your home or to your personal properties due to flooding in Somerville. If you want to have coverage for your home and personal belongings, especially if your location is in a designated flood hazard area, you need to get a National Flood Insurance Policy through private insurance companies.

  • Does homeowners insurance cover damage caused by pests like termites in Somerville?

    Your standard homeowners insurance will not cover any damage your home incurs from termites and pests in Somerville, as this is considered preventable damage. The only time your standard homeowners insurance can cover termite damage is if your house completely collapses due to the termites, and if the termites were reasonably hidden from plain sight.

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