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2025

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Best Homeowners Insurance Agencies in Springfield, MA

Our Recommended Top 12

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 Springfield 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.

99Reviewed

64Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Springfield
167 Dwight Road, Longmeadow, MA 01106

Expertise.com Rating

Review Sources

Facebook
4.4 (7)

Why choose this provider?

Bearingstar Insurance is a personal and business insurance agency working with the residents of Springfield and the surrounding communities. The company offers standard homeowners insurance packages that include personal injury liability, dwelling, and personal property coverage. Its team also sells add-ons to homeowners insurance that cover repairs to the home in the event of earthquakes, flooding, and sump pump overflows. Additionally, the company has umbrella, car, life, and renters insurance.

  • Renter's Insurance
  • Condos

Best Homeowners Insurance Agencies Serving Springfield
662 Riverdale Street, West Springfield, MA 01089

Expertise.com Rating

Review Sources

Google
3.9 (17)
Facebook
5.0 (5)

Why choose this provider?

Neill & Neill is an insurance company that has been serving the Springfield metro area since the 1950s. The firm's licensed agents provide customized homeowners insurance policies to private residence owners. The company's policy covers the dwelling and other small structures, personal property, loss of use, and personal liability. Other insurance products include car, business liability, workers' compensation, commercial auto and property, and seasonal insurance policies. The company also handles billings, payments, and claims filings for policyholders and insurance carriers.

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

Best Homeowners Insurance Agencies Serving Springfield
181 Park Avenue, West Springfield, MA 01089

Expertise.com Rating

Review Sources

Facebook
5.0 (2)
Google
5.0 (1)

Why choose this provider?

Lussier Insurance Agency discusses insurance policy options to residents and business property owners in Springfield and the surrounding areas and has been in operation since 1975. The agents educate clients on the basic homeowners insurance policies and other concerns, such as the set limits for high-value items including jewelry, computers, fine arts, collectibles, and cash. In addition to standard coverages for physical structures and their contents, clients can also discuss the best coverage options for their most important possessions.

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

Best Homeowners Insurance Agencies Serving Springfield
698 Westfield Street, West Springfield, MA 01089

Expertise.com Rating

Review Sources

Google
4.9 (34)
Yelp
5.0 (1)

Why choose this provider?

Ormsby Insurance is a full-service Massachusetts-based insurance company that has been serving the Springfield metro area and nearby localities since 1969. The agency helps individuals and families attain financial security for their homes and belongings through a homeowners insurance policy. Its agents have an extensive network of carriers that can provide several coverage options, including dwelling, other structures, personal property, additional living expenses, and personal liability. The company values trust and building long-term relationships with its clients.

  • Multiple Carriers
  • Homeowners

Best Homeowners Insurance Agencies Serving Springfield
30 Suffield Street, Windsor Locks, MA 06096

Expertise.com Rating

Review Sources

Google
5.0 (40)
Facebook
5.0 (7)

Why choose this provider?

Halpert Insurance & Financial Services is an independent insurance agency that has been serving the Springfield community since 2012. The agency sells homeowners insurance policies that cover clients' homes in the event of storms, fires, sinkholes, and hail. Its packages also include coverage for dog bite, trampoline, and swimming pool liability. Additionally, the company offers insurance plans to cover clients' traditional and classic cars, health care, recreational vehicles, offices, and restaurants.

  • Condos
  • Multiple Policy Types
  • Fire

Best Homeowners Insurance Agencies Serving Springfield
512 Main St, Indian Orchard, MA 01151

Expertise.com Rating

Review Sources

Google
4.8 (196)
Yelp
1.0 (1)

Why choose this provider?

Western Mass Auto Insurance is a full-service agency that has been in service since 2014 with an office in Springfield. Its team of insurance professionals offers a range of insurance plans, including homeowners' insurance. The agents provide assistance in reviewing insurance policies for homeowners that have completed property renovations. The agency offers Spanish-speaking services and its insurance advisors have a combined industry experience of over fifty years. The company also specializes in auto insurance.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Springfield
264 North Main Street, East Longmeadow, MA 01028

Expertise.com Rating

Review Sources

Facebook
5.0 (21)

Why choose this provider?

Fuller Insurance Agency is a homeowners' insurance provider in East Longmeadow that extends its services to Springfield residents. It offers various insurance options from 30 different insurance companies that can provide coverage to a residential property. Other than homeowners' insurance, Fuller Insurance Agency also offers other insurance products for automobiles, businesses, and life. Businessman Earl Fuller founded the insurance agency in 1958 with the aim of providing "service with integrity."

  • Homeowners

Best Homeowners Insurance Agencies Serving Springfield
1333 Boston Road, Springfield, MA 01119

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (3)

Why choose this provider?

Homeland Insurance helps homeowners in Springfield protect their properties and remain financially stable. This company provides insurance quotes to homeowners through mobile phones and offers custom home insurance coverage. The basic home insurance policy covers damages from vandalism, lightning, hail, windstorms, and house fires. Policyholders also receive compensation for loss of use, personal property loss that includes jewelry and electronics, and liability claims. Principal agent and owner Bob Lareau is a financial service professional with a degree in computer science.

  • Fire
  • Multiple Policy Types
  • Earthquake

Best Homeowners Insurance Agencies Serving Springfield
101 State Street 8th Floor, Springfield, MA 01102

Expertise.com Rating

Review Sources

Google
5.0 (9)
Facebook
5.0 (3)

Why choose this provider?

Chase Clarke Stewart & Fontana is an independent agency that offers homeowners' insurance programs for individuals and families in Springfield. It provides coverage for physical dwellings, detached structures, and general household belongings. It covers expenses resulting from property loss, family members' negligence, and injured visitors. The agency was established by William Fuller in 1871 and has gone through several mergers with other agencies over the years. It also conducts an annual review of its clients' insurance programs.

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

Best Homeowners Insurance Agencies Serving Springfield
122 Prospect Hill Rd, East Windsor, CT 06088

Expertise.com Rating

Review Sources

Google
4.7 (45)
Facebook
5.0 (11)

Why choose this provider?

Paul Delskey is an insurance agent working with State Farm Insurance. The agent has been selling insurance policies for over a decade, and his team is available to help clients locate and purchase personalized homeowners insurance packages that cover the home in the event of natural disasters and vandalism. The team also offers insurance plans for clients who rent their homes. Additionally, Delskey has experience selling auto and business insurance.

  • Multiple Policy Types

Best Homeowners Insurance Agencies Serving Springfield
1691 Main St, Springfield, MA 01103

Expertise.com Rating

Review Sources

Google
4.1 (95)
Facebook
1.0 (1)
Yelp
1.0 (1)

Why choose this provider?

CHI Insurance Agency, Inc., has been catering to the insurance needs of residents and businesses in Springfield for more than two decades. The company's licensed agents work with customers in creating a customized homeowners insurance policy akin to their needs. The firm's policy covers structural damage repairs, replacement of lost or stolen personal items, and medical reimbursements for injuries incurred by guests in the client's home. Other insurance services include automobile, recreational vehicle, workers' compensation, and business and commercial. Employees at the firm are also fluent in Spanish.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

Best Homeowners Insurance Agencies Serving Springfield
400 Broadway St, Chicopee, MA 01020

Expertise.com Rating

Review Sources

Google
4.9 (149)
Facebook
5.0 (14)

Why choose this provider?

Since 1898, E.J. O'Neil Insurance Agency Inc. has helped protect families and businesses near Springfield with insurance products. Their homeowners policy covers damage or loss caused to the home by insured incidents, such as fire and falling objects. They also offer also special coverages, of which the most sought-after is heating oil spill. The company makes it easy for policyholders to switch from their current insurance plan and its agents guide the clients with all the pertinent paperwork. The other insurance products E.J. O'Neil Insurance Agency Inc. has include condominium/renters, boat, and automobile policies.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Bearingstar Insurance
167 Dwight Road, Longmeadow, MA 01106
Neill & Neill
662 Riverdale Street, West Springfield, MA 01089
Lussier Insurance Agency
181 Park Avenue, West Springfield, MA 01089
Ormsby Insurance Agency Inc.
698 Westfield Street, West Springfield, MA 01089
Halpert Insurance & Financial Services
30 Suffield Street, Windsor Locks, MA 06096
Western Mass Auto Insurance
512 Main St, Indian Orchard, MA 01151
Fuller Insurance Agency
264 North Main Street, East Longmeadow, MA 01028
Homeland Insurance
1333 Boston Road, Springfield, MA 01119
Chase Clarke Stewart & Fontana
101 State Street 8th Floor, Springfield, MA 01102
Paul Delskey - State Farm Insurance Agent
122 Prospect Hill Rd, East Windsor, CT 06088
CHI Insurance Agency, Inc.
1691 Main St, Springfield, MA 01103
E. J. O'Neil Insurance Agency Inc.
400 Broadway St, Chicopee, MA 01020

Springfield, MA Homeowners Insurance Agency FAQs

  • Are individuals in Springfield legally required to obtain homeowners' insurance?

    No, there is no law in Springfield that requires homeowners to have insurance. If they apply for a mortgage loan, however, their lenders will require them to have one. Lenders can ensure that the mortgaged home is protected in the event of a natural disaster or theft by purchasing homeowners' insurance.

  • Does homeowners' insurance in Springfield cover termite and insect damage?

    No, termite and insect damage is not covered by Springfield homeowners insurance because pest control is the responsibility of property owners. Families and individuals must keep their homes clean and well-maintained to avoid pest infestation. A standard homeowners' insurance policy will only cover damage caused by wild animals such as raccoons and porcupines.

  • What is the difference between a home warranty and homeowners' insurance in Springfield?

    A home warranty in Springfield is a contract that covers repairs or replacements of your items when they stop working. It usually covers major home appliances like washing machines, refrigerators, and electrical or cooling systems. While homeowners' insurance protects your home's structure and personal belongings in the event of a fire, storm, or burglary.

  • Can your homeowners' insurance cover the repair costs if your Springfield home was damaged by sewer backup flooding?

    No, homeowners' insurance does not provide coverage for structural damages brought by sewer backup flooding in Springfield. You must have separate flood insurance coverage from the National Flood Insurance Program in order to safeguard yourself against monetary losses. You also need to take part in the national program in order to get a flood insurance policy.

  • What are the ways to obtain homeowners' insurance discounts in Springfield?

    Individuals in Springfield can obtain homeowners' insurance discounts if the building codes of their property are sufficient to qualify for the rate reduction. Property owners who install hail-resistant materials, fire and burglar alarms, and fire sprinklers may qualify for insurance discounts. Furthermore, policyholders can save money on their policy by replacing their roof, plumbing, or heating systems.

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