Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Boston

Our Recommended Top 19

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 Boston 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.

363Reviewed

225Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
72 River Park St, Needham Heights, MA 02494
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Boynton Insurance Agency in Needham Heights, Massachusetts, is family-owned and operated and offers a full range of home insurance products. Established in 1919, this independent insurance agency also has offices in Easton and Georgetown to service the needs of homeowners throughout Eastern Massachusetts. It partners with more than 100 A-rated insurance carriers to give clients a broad choice when it comes to coverage options and offers expert advice to help its customers fully understand their insurance needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (23)
Facebook
5.0 / 5 (18)
Yelp
3.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
426 Main St Ste 2, Stoneham, MA 02180
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 1995, LoPriore Insurance Agency is an independent insurance company located in Stoneham, Massachusetts, and serving renters and homeowners in the Boston metro area. LoPriore works with a variety of carriers, including American Modern, The Hartford, Progressive, and Travelers. The agency offers home insurance solutions for a variety of dwelling types, including single and multifamily homes, condos, and rental properties, for homeowners as well as renters. The personal property coverage included in homeowners policies affords worldwide protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (116)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
300 Congress Street, Quincy, MA 02169
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Tonry Insurance Group, Inc., assists individuals in securing home insurance in Boston. The service provider supports homeowners' efforts in minimizing or avoiding costs from incidents like burglary, fire accidents, and personal liability. The business's principals, Carl Traina and Louis "Lou" A. Tonry, Jr., have Massachusetts insurance licenses in property and casualty, life, and accident and health. Tonry Insurance Group, Inc., has offices in Quince and Lexington and has been in business since 1926.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (36)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
114 Harvard St, Brookline, MA 02446
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Kaplansky Insurance is an independent agency serving residents across Brookline, Massachusetts, since 1974. The company's agents help buyers enroll in policies to protect their homes from possible risks. Its homeowners insurance covers damages and loss of contents caused by unexpected events, including theft, fire, and liabilities such as medical expenses for injuries sustained by guests. Other policies available at Kaplansky Insurance include auto, renters, umbrella, and condo insurance for both individuals and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
399 Winthrop Street, Winthrop, MA 02152
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Established in 1958, John M. Biggio Insurance is a risk management specialist that serves the Boston area. Its range of products includes homeowners' insurance, which covers detached structures such as decks and garages along with personal property, including clothing, furniture, and appliances. Its team of underwriters also furnishes insurance plans that protect renters and condominium owners. Company CEO John E. Biggio has been insuring clients for over 25 years. He specializes in providing coverage for artisans, nonprofits, and contractors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.6 / 5 (25)
Facebook
4.6 / 5 (9)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
269 Broadway, Malden, MA 02148
  • Condos
  • Homeowners

Why choose this provider?

Derek Witham Insurance Agency, Inc. is an independent insurance agency offering insurance policies to families, individuals, and businesses in and around Boston since 1996. Its agents have access to an extensive network of homeowners insurance carriers that offer comprehensive and personalized coverage for structural and personal property damage, loss of use, natural disasters, and premises liability. The agency also offers other insurance products such as auto, commercial vehicles, personal umbrellas, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (57)
Yelp
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
131 Dartmouth St, Boston, MA 02116
  • Homeowners

Why choose this provider?

Openly is a Boston-based insurance firm that serves clients all across the city. Its homeowners' policy covers the property's construction, including the walls, roofs, and associated fixtures. It includes replacement cost coverage, open perils contents coverage, and high water backup limits. The agency also offers optional special endorsements, such as personal cyber, equipment breakdown, and home-sharing. Prior to establishing Openly in 2017, Ty Harris spent 12 years as the EVP and chief product officer of a global insurer.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.7 / 5 (41)
Yelp
3.0 / 5 (27)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
100 Summer Street, Boston, MA 02110
  • Renter's Insurance
  • Condos
  • Homeowners

Why choose this provider?

State Fund Insurance is an agency that serves clients in the Boston area. It provides a variety of homeowners' insurance policies to help customers protect their homes and properties from loss caused by fire and vandalism. It also offers risk protection plans for renters, commercial properties, condos, and motorcycles. Its agents can work with policyholders electronically via fax, e-mail, or phone. It works with insurance companies such as Safeco Insurance, Brownstone Agency, Inc., and Foremost Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
900 Broadway Unit C, Revere, MA 02151
  • Flood

Why choose this provider?

RM Cataldo has been providing insurance products and services for over two decades. Serving clients in Boston and the surrounding areas, the family-operated company offers homeowners' insurance coverage for umbrella, earthquake, and flood policies. Other personal insurance options provide protection for automobiles, motorcycles, recreational vehicles, and boats. Commercial plans include general liability, workers' compensation, and business bonds. As a local agency, RM Cataldo focuses on insurance policies that fit the unique needs of clients in Massachusetts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (66)
Facebook
5.0 / 5 (6)
Yelp
4.5 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
99 South St Ste 101A, Hingham, MA 02043
  • Personal Property Insurance
  • Homeowners

Why choose this provider?

Established in 1892 and located in Hingham, Massachusetts, Child-Genovese Insurance Agency provides home and business insurance services to the Boston metropolitan area. Homeowner policy options cover physical structures and personal belongings against damage from floods, fire, and theft. Personal property and unit interior insurance is available to condominium owners along with liability protection against property damage to others. The company provides comprehensive jewelry business insurance services as well as auto, personal, and umbrella coverage plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (18)
Facebook
5.0 / 5 (2)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
535 Boylston Street, Boston, MA 02116
  • Homeowners

Why choose this provider?

Titan Insurance provides the financial security needs of residents and business establishments all over the Boston metro. It helps protect its clients' assets through its homeowners' insurance offerings. Its policy coverage includes safeguarding against property damages, medical expenses, floods, and loss of valuable items. It also provides condo, auto, renters', and life insurance policies through its offices in Boston's Back Bay neighborhood and Jamaica Plain. Its professional agents listen to its client's needs before developing plans and customizing their package.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.3 / 5 (13)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
370 Lynnway, Lynn, MA 01901
  • Renter's Insurance
  • Flood
  • Personal Property Insurance
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Based in Lynn, Massachusetts, David E. Zeller Insurance Agency Inc. is an independent specializing in home insurance, serving the Greater Boston area. Founded in 1978, it's access to over 40 nationally recognized insurance carriers provides it with the means to find the best solutions for its clients. The core of its homeowner policies includes liability insurance, protection if someone is injured on the client's property, as well as personal belongings and structure to reimburse the client if the worst happens.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (81)
Facebook
5.0 / 5 (28)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
406 Revere Beach Parkway, Revere, MA 02151
  • Homeowners

Why choose this provider?

R & R Insurance Agency has been providing homeowners' insurance solutions for individuals and families residing throughout the Boston area since 1991. Its independent agents represent trusted and financially strong insurance companies to deliver tailored insurance plans at the best rates. The team provides a homeowners' policy that protects the home financially from unexpected situations, including fire and weather-related natural disasters. Other products offered are boat and marine, collector car, mobile home, high-net-worth coverage, and personal watercraft insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.8 / 5 (18)
Facebook
5.0 / 5 (8)
Yelp
1.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
319 Broadway, Revere, MA 02151
  • Homeowners

Why choose this provider?

Claremont Insurance Agency, Inc., provides insurance services for clients in Boston and the surrounding communities. This family-owned company provides various types of insurance plans, including homeowners' insurance, renters' insurance, and condominium insurance. It also provides fire, flood safety, and jewelry and fine art insurance policies. This woman-operated agency has been serving clients since 1939. Saverio Paventi, company founder, initially established the firm in East Boston. Today, the multi-generational insurance agency is located in Revere.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (62)
Facebook
5.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
764 Blue Hill Ave, Dorchester, MA 02124
  • Fire
  • Homeowners

Why choose this provider?

Warren Insurance Agency is a family-owned agency that serves clients in the Boston area. It provides an array of homeowners' insurance policies to help policyholders protect their homes and personal belongings from catastrophes such as fire, windstorms and hail, theft, and falling objects. It also provides risk protection plans for life, business properties, and automobiles. The agency has been in operation since 1979. It is committed to helping customers navigate through their insurance options and understand the outcome of their chosen policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1394 Commonwealth Ave, Allston, MA 02134
  • Homeowners

Why choose this provider?

Christopher Kokoras Insurance Agency, Inc., has been providing risk management assistance in the Greater Boston area for three decades. The independently owned business, with offices in Chelsea, Allston, Somerville, and Dorchester, offers several types of insurance, including homeowners' insurance. This may cover losses resulting from flood, fire, theft, vandalism, and guest injuries. The agency also offers protection bundles that include home and car insurance. It works with multiple carriers, including Progressive and Safeco, allowing it to provide multiple policy options for clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
585 Washington Street, Brighton, MA 02135
  • Homeowners

Why choose this provider?

Pella Insurance Agency Inc. offers homeowners' insurance for clients in Boston to protect their homes and valuables. As an independent insurance agency, it represents multiple insurance carriers that include Chubb, Safety Insurance, and Plymouth Rock. Paula Papadimitriou, the owner and president, has more than 30 years of insurance industry experience. She leads a group of insurance agents who live and work in the metro area, making them knowledgeable of the insurance needs of local residents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (3)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
166 Winthrop Avenue, Revere, MA 02151
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Why choose this provider?

Founded in 1974, Lattanzi Insurance Agency is an independent company serving the Boston metro. It offers homeowners' insurance plans that include theft protection, water backup failure, and dwelling and content replacement cost coverages. The agency also serves clients who want to acquire life, health, classic car, and pet insurance. Its team also works with various insurance carriers, such as Travelers, American Modern, and Banner Life. Lattanzi Insurance Agency is a member of the National Association of Professional Insurance Agents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.6 / 5 (20)
Yelp
4.5 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
200 Portland Street, Boston, MA 02114
  • Homeowners

Why choose this provider?

Beacon Hill strives to simplify the insurance process for Boston consumers. The agency works with multiple insurance carriers to help clients find coverage options that match their personal or business needs. Some of the insurance products it offers include homeowners' insurance, auto insurance, jewelry insurance, and motorcycle insurance. An online portal is accessible to clients, allowing them to easily manage their insurance policies, from ID card requests and bill payments to claim reports and policy changes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

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.
  • Are residents in Boston required to have homeowners' insurance?

    No, individuals and families in Boston are not required to obtain homeowners' insurance. However, if they want to apply for a home loan, their mortgage lender will require them to have a certain amount of insurance coverage. This type of insurance covers single-family homes, rental or vacation homes, condominiums, and mobile or manufactured houses.

  • How much is the average premium cost of homeowners' insurance coverage in Boston?

    According to the 2020 report of the National Association of Insurance Commissioners, the average premium cost of home insurance coverage in Boston is around $1,667 a year. This cost may vary though, depending on the value and age of a home, the deductibles policyholders choose, and how much personal property they want to cover.

  • Does having a dog affect homeowners' insurance rates in Boston?

    Yes. Most insurance companies ask applicants whether they have dogs because owning one may increase the cost of their homeowners' insurance. If the dog bites someone, the homeowners will be automatically liable. Individuals and families in Boston may add animal liability coverage to their homeowners' insurance or acquire a separate policy to cover dog bite injuries.

  • In Boston, if your tree fell, would your homeowners' insurance cover the damage?

    It depends on the situation. In Boston, if your tree fell due to natural disasters and accidentally damaged your house or other structures, your homeowners' insurance would cover the cost of repairing any damage and removing the tree. However, if the tree did not damage your home or any structures, your policy would not cover the cost of removing the tree.

  • If you want to move out of your house due to unexpected events, will your homeowners' insurance in Boston cover your expenses?

    If your house in Boston becomes inhabitable due to unexpected events like natural disasters and you want to move out, your additional living expenses coverage from your homeowners' insurance can cover your expenses. This can cover temporary room accommodations, pet boarding, furniture rentals, laundry expenses, and moving and storage costs.

  • 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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