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2024

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Best Homeowners Insurance Agencies in Worcester, MA

Our Recommended Top 15

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 Worcester 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.

114Reviewed

74Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

131 Millbury Street, Worcester, MA 01610

Expertise.com Rating

Review Sources

Google
4.5 (14)

Why choose this provider?

Zawada Insurance Agency, Inc. can help preserve properties and belongings for clients in Worcester and the neighboring communities. The homeowners insurance agency guides clients through understanding different insurance policies for homes that were damaged by accidents caused by fires or burglaries. Zawada Insurance Agency, Inc. also aids clients in receiving compensation for loss and new constructions, as well as central fire station discounts. Zawada Insurance Agency, Inc. has been helping protect homes since 1989.

  • Renter's Insurance
  • Personal Property Insurance
  • Flood

704 Southbridge Street, Worcester, MA 01610

Expertise.com Rating

Review Sources

Google
5.0 (283)
Facebook
5.0 (18)
Yelp
5.0 (3)

Why choose this provider?

Mainstream Insurance Agency, Inc., is an independent insurance firm headquartered in Worcester. It specializes in auto insurance, life insurance, commercial auto, commercial package, commercial liability, and home insurance. Its homeowners insurance policies cover the dwelling and other structures, personal property, loss of use, family and personal liability, medical expense, and scheduled personal property. A range of other personal and commercial insurance products may also be obtained through the agency. Mainstream Insurance Agency provides comparison research and reports for its clients' current coverage and the coverage they require.

  • Personal Property Insurance

318 Plantation St, Worcester, MA 01604

Expertise.com Rating

Review Sources

Google
4.8 (33)
Yelp
4.0 (4)

Why choose this provider?

Founded by Paul F. Cantiani, Cantiani Insurance Agency is a Worcester company that has been providing a wide range of personal and business insurance programs since 1975. One of the insurance programs the company offers is homeowners insurance for first-time home buyers. The company's team of experienced and knowledgeable independent agents helps clients understand the different aspects of homeowners' policies. Cantiani Insurance Agency is a member of the Massachusetts Association of Insurance Agents. The agency is now led by Paul Cantiani Jr.

  • Fire
  • Multiple Policy Types
  • Flood

617 Mill St, Worcester, MA 01602

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (4)

Why choose this provider?

Manero Insurance Agency has been supplying the Worcester metro area with insurance products and services for more than 60 years. Founded in 1957, the company provides customized homeowners insurance policies to private residence owners. The policy's coverage includes structural damages, broken or lost personal items, and medical expenses for injuries attained by guests. The firm also assists renters in seeking personal property and liability protection. Other offerings include commercial and personal insurance policies. The company represents top-rated insurance carriers in Massachusetts.

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

190 Park Avenue, Worcester, MA 01609

Expertise.com Rating

Review Sources

Google
4.8 (35)
Yelp
4.5 (7)

Why choose this provider?

Atchue Insurance is a homeowners insurance agency that serves individual residents and families in the Worcester metro area. Its team of insurance specialists offers home insurance policies that can protect not only the clients' main dwelling and detached structures, but also their personal properties such as appliances, furniture pieces, and other valuable possessions such as jewelry. Other than home insurance plans, the team at Atchue Insurance also provides quotes for auto, business, life, and workers' compensation insurance.

  • Renter's Insurance
  • Flood
  • Condos

1094 Pleasant Street, Worcester, MA 01602

Expertise.com Rating

Review Sources

Google
4.6 (11)
Facebook
1.0 (1)

Why choose this provider?

Unified Insurance Agency is an independent Worcester insurance agency that has been providing homeowners insurance and other insurance products since 2018. The agency helps potential clients find the best homeowners insurance for their needs and budget. Its agents make sure that the product will be tailored to meet clients' requirements. Unified Insurance Agency works with various insurance providers, such as Bristol West, Embark General, Pilgrim Insurance, Swyft, and Travelers. It serves Foxborough, Springfield, and all of Massachusetts.

  • Personal Property Insurance
  • Multiple Carriers
  • Flood

51 Pullman St, Worcester, MA 01606

Expertise.com Rating

Review Sources

Google
4.5 (27)
Facebook
5.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Herlihy Insurance Group is a homeowners' insurance group protecting Worcester homes for more than 90 years. Coverage includes rented homes to protect possessions when moving in or out; condos to protect a unit's parameters and plumbing in conjunction with association policies; and vacation homes for a customized coverage policy, be it a house on a beach, lakeside, hills, or mountaintop. Herlihy Insurance Group is a Five Star Award of Distinction recipient from the MA Independent Agents Association. It has covered up to 5,500 clients to date.

  • Multiple Policy Types

42 Lake Ave, Worcester, MA 01604

Expertise.com Rating

Review Sources

Google
4.1 (15)
Yelp
5.0 (2)

Why choose this provider?

Royal Insurance Agency is a locally owned and operated insurance agency that offers automobile, home, business, and life insurance solutions to clients in the Worcester metro. The company offers comprehensive homeowners' insurance policies that protect properties and belongings from untimely disasters, damages, and losses. Its policies are offered in packages and include homeowners' liability which protects clients from expenses arising from accidents that might happen within the property, as well as damages caused by pets.

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

374 Belmont St, Worcester, MA 01604

Expertise.com Rating

Review Sources

Google
4.3 (28)
Facebook
5.0 (14)

Why choose this provider?

Universal Insurance Agency is an insurance agency in Worcester, with homeowners' insurance as one of its offerings. The company ensures clients that in the unlikely events of vandalism, theft, acts of nature, or fire, their home and possessions are covered for replacements or repairs. Houseguests that suffered from a physical injury due to unexpected events or pet bites can also be covered for medical costs and other liabilities. Universal Insurance Agency is partnered with AIG, Quincy Mutual Group, and several other brands.

  • Personal Property Insurance
  • Multiple Policy Types

1405 Main St, Worcester, MA 01603

Expertise.com Rating

Review Sources

Google
4.8 (19)
Facebook
5.0 (16)

Why choose this provider?

Marc Alkes Insurance provides personal and commercial insurance policies for residents and business owners in Worcester and the surrounding areas. Under personal insurance, the agents discuss the insurance packages selections available for home or condo owners and renters who want to be secured in the unfortunate event of a disaster. The company has access to a wide range of insurance products from different providers such as American Modern Insurance Group, Arbella Insurance Group, and Preferred Mutual Insurance Company.

  • Personal Property Insurance
  • Multiple Policy Types

22 Elm St Suite 200, Worcester, MA 01608

Expertise.com Rating

Review Sources

Google
4.8 (36)
Facebook
4.9 (27)

Why choose this provider?

Archetype Insurance Group provides personal and commercial insurance to residents and business owners in Worcester and the surrounding communities. The company offers different insurance policies for house or condominium owners, renters, and landlords in order to protect their tangible assets. The agents start with an assessment of the client's needs and the area of the property. The agents then discuss personalized insurance policy options depending on the result of the evaluation.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

15 Central Street, West Brookfield, MA 01585

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Bell & Hudson Insurance Agency Inc. serves clients who need homeowners insurance and assists them with the purchase process as well as everything afterward. It can analyze the risk involved with each property and provide clients with quotes for insurance coverage offered by a variety of carriers. It also assists clients with filing claims when their assets do take damage. Bell & Hudson Insurance Agency Inc. offers other types of personal insurance too, such as vacant property insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

70 Southbridge Street, Worcester, MA 01608

Expertise.com Rating

Review Sources

Google
4.7 (714)
Yelp
3.5 (3)

Why choose this provider?

A-Affordable Insurance Agency Inc. has been offering custom insurance policies in Worcester since 1984. The firm's lineup of insurance products includes homeowners, general liability, business, roadside assistance, and condominium insurance. Its team of insurance agents helps homeowners protect their finances and properties through policy coverages that cater to potential expenses and liabilities following disasters and theft. Homeowners insurance also covers damages and losses due to fire, lightning, hail, and other perils mentioned in insurance contracts. Supplemental home coverage includes replacement cost.

  • Fire
  • Personal Property Insurance

273 SW Cutoff, Worcester, MA 01604

Expertise.com Rating

Review Sources

Google
4.6 (7)

Why choose this provider?

A&P Insurance Agency is a Worcester-based company that provides insurance and risk management solutions for individuals and families. Its agents assist clients in selecting the right homeowners' insurance plans that protect properties and their contents from risks like theft, vandalism, injuries, and fire. They also provide insurance policies for renters, condo owners, landlords, and mobile home properties. Other products are auto insurance, recreational vehicle insurance, life insurance, and business and commercial insurance.

  • Multiple Carriers
  • Multiple Policy Types

10 Institute Road, Worcester, MA 01609

Expertise.com Rating

Review Sources

Google
4.5 (4)

Why choose this provider?

Robert P. Powers Insurance Agency, Inc., has been in business since 1973, providing individuals, families, and even businesses with insurance policies. The agency works with many major insurance companies to provide homeowners insurance, even offering umbrella policies and unique coverage for vacant properties, rental properties, and valuables and collectibles insurance. The agency also helps clients insure their vehicles, watercraft, electronics, and computers. The company also has policies available for flood damage.

  • Flood
  • Multiple Policy Types
  • Personal Property Insurance

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Zawada Insurance Agency, Inc.
131 Millbury Street, Worcester, MA 01610
Mainstream Insurance Agency, Inc.
704 Southbridge Street, Worcester, MA 01610
Cantiani Insurance Agency
318 Plantation St, Worcester, MA 01604
Manero Insurance Agency
617 Mill St, Worcester, MA 01602
Atchue Insurance
190 Park Avenue, Worcester, MA 01609
Unified Insurance Agency
1094 Pleasant Street, Worcester, MA 01602
Herlihy Insurance Group
51 Pullman St, Worcester, MA 01606
Royal Insurance Agency
42 Lake Ave, Worcester, MA 01604
Universal Insurance Agency
374 Belmont St, Worcester, MA 01604
Marc Alkes Insurance
1405 Main St, Worcester, MA 01603
Archetype Insurance Group
22 Elm St Suite 200, Worcester, MA 01608
Bell & Hudson Insurance Agency, Inc.
15 Central Street, West Brookfield, MA 01585
A-Affordable Insurance Agency, Inc.
70 Southbridge Street, Worcester, MA 01608
A&P Insurance Agency
273 SW Cutoff, Worcester, MA 01604
Robert P. Powers Insurance Agency, Inc.
10 Institute Road, Worcester, MA 01609

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.
  • Can your home insurance provider in Worcester inform you that your coverage won't be renewed?

    Yes. An insurer in Worcester is not compelled by Massachusetts law to draft or renew your policy. However, if your insurer makes the decision not to extend your policy, they are required to give you at least 45 days of advance notice before the policy expires. Your insurance provider is not required to give you a notice via certified mail. They must only send correspondence to the mailing address on your policy using first-class mail.

  • If your home in Worcester has just been broken into but you don't have the sales receipts for the items that were taken, can you still file a claim with your homeowners insurance?

    Yes. Insurance companies in Worcester typically accept warranties, credit card receipts, owner's manuals, bills, cancelled checks, videotapes, pictures, and servicing agreements as proof of ownership of the stolen goods if the actual receipts are unavailable. Because of this, it is advised to think about doing an inventory or videotaping your residence before a loss occurs.

  • In Worcester, what is the typical price for combined home and auto insurance?

    The average price of auto insurance plus house insurance in Worcester is $1,311. Remember that a variety of factors other than geography affect how much house and auto insurance costs. Therefore, when bundling house and auto insurance, make sure that you shop around and think carefully about all of your options.

  • Does Worcester homeowners insurance cover internet libel?

    As long as you include personal injury in the scope of your policy, Worcester homes insurance does, in fact, cover online defamation. Legal costs associated with allegations of slander, libel, or defamation actions that may result from internet defamation would be covered by personal injury insurance. Beyond these situations, personal injury also includes wrongful entry, wrongful eviction, wrongful arrest, malicious prosecution, imprisonment or detention, and other related legal costs.

  • Does my homeowner's insurance policy in Worcester cover pets?

    Yes. When someone is hurt on your land and files suit against you for liability, Worcester homeowners insurance personal liability coverage will protect you by paying for medical costs, any associated legal costs, and settlements. This coverage frequently covers situations where your pets harm someone or something. This holds true even when you're not on your property, such as in a park or a friend's home.

  • 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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