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Best Homeowners Insurance Agencies in Cambridge

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Affordable Insurance Agency Inc. logo
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Affordable Insurance Agency Inc.

54 Broadway, Norwood, MA 02062
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  • Condos
  • Multiple Policy Types
  • Flood

Business Description

Affordable Insurance Agency Inc. caters to the insurance needs of homeowners and business property owners in Cambridge and the neighboring areas. The company provides insurances for different types of homes, such as traditional site-placed homes, condominiums, and apartments. The homeowners' insurance policy includes property or dwelling coverage and protection for personal belongings and valuable items. Coverages for high-value homes are also available. The women-owned company has been in the insurance industry since 1987.

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
4.2 / 5 (5)
Facebook
4.3 / 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
Cavallo & Signoriello Insurance Agency logo
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Cavallo & Signoriello Insurance Agency

475 High Street, Dedham, MA 02026
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  • Multiple Policy Types
  • Condos

Business Description

Cavallo & Signoriello Insurance Agency has been serving individuals, families, and businesses in the Cambridge area since 1959. It provides home insurance, which covers personal possessions and additional living expenses. It also includes liability coverage, which helps pay for expenses resulting from damage or injuries that take place at the policyholder's property. Liberty Mutual, Chubb, and The Hartford are some of the firm's partner carriers. It is co-owned by Ben Cavallo, a Certified Insurance Counselor, Certified Insurance Service Representative, and Accredited Adviser in 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
4.8 / 5 (110)
Facebook
4.9 / 5 (46)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Coughlin Insurance logo
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Coughlin Insurance

14 Dinley Street, Dracut, MA 01826
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

Coughlin Insurance is an insurance agency serving the people of Cambridge that has additional office locations in 20 states. The agency sells homeowners insurance for individuals who own condos, apartments, houses, and investment properties. Its policies cover the cost of repairing the home in the event of fires, thunderstorms, and vandalism. It also reimburses the policyholder for stolen and damaged belongings. Additionally, Coughlin Insurance sells business, auto, and boat 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.
5.0
Google
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
Eagle Trust Insurance logo
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Eagle Trust Insurance

125 Cambridge Park Drive, Cambridge, MA 02140
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  • Multiple Policy Types

Business Description

Eagle Trust Insurance is a Cambridge-based company that provides assistance in several areas including home insurance. It helps clients acquire insurance policies that cover property damage and personal liability for damages or personal injuries the homeowner is responsible for. Home insurance policies may also include protection for valuable personal possessions such as antiques and collectibles. Eagle Trust Insurance has been handling clients' insurance needs for more than three decades. Its founder, Carl A. Garcia, has earned a bachelor's degree in business.

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 (34)
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
Econosurance logo
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Econosurance

125 Cambridge Park Drive, Cambridge, MA 02140
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Econosurance is a full-service insurance company that has been serving the Cambridge metro area since 1992. The firm provides professional guidance and counseling to individuals and families who plan to secure their single-family homes and personal assets through a homeowners' insurance policy. Its agents educate customers on the different coverage options, including structures, personal property, additional living expenses, and liability protection. Other insurance offerings include property, vehicle, personal, and commercial policies. The company represents top-rated insurance carriers throughout 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.
5.0
Facebook
5.0 / 5 (63)
Google
5.0 / 5 (10)

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
Flynn Insurance Agency Inc. logo
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Flynn Insurance Agency Inc.

92 Main Street, Boston, MA 02129
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  • Multiple Policy Types

Business Description

Flynn Insurance Agency Inc. has been providing insurance solutions to homeowners and businesses in Cambridge for more than 30 years. The company assists individuals and families to insure their homes and personal belongings in the event of disasters, accidents, and other unfortunate events. The firm's homeowners' insurance policy covers structural repairs, reimbursements for lost or stolen items, and coverage for medical fees and liability charges. The company is a member of the Independent Insurance Agents & Brokers of America.

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 (31)

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
Fucillo & Sasso Associates Insurance Agency logo
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Fucillo & Sasso Associates Insurance Agency

599 Cambridge Street, Cambridge, MA 02141
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Fucillo & Sasso Associates Insurance Agency is a family-owned independent insurance agency serving clients in Cambridge since 1990. The team helps individuals find homeowners coverage for single-and multi-family homes, condos, and rental properties to protect dwellings, furnishings, and loss of use while covering additional buildings on the property and the liability to cover injuries in the home or on its grounds. The agency also helps renters with landlord's insurance. In addition, Fucillo & Sasso Associates Insurance Agency also offers auto, business, life, and disability 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.
5.0
Google
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
Galante Insurance logo
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Galante Insurance

1939 Mass Avenue, Cambridge, MA 02140
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  • Fire
  • Multiple Policy Types

Business Description

Galante Insurance is an independent insurance agency based in Cambridge. Its founder and president, Ralph J. Galante, LIA, has been in the business since 1954. The company provides a homeowners' insurance plan that includes the protection of a home or personal belongings against loss or damages from disasters like fire, flood, or earthquake. It also includes liability protection for injuries sustained by other people while on the client's property. Additional living expenses may also be covered.

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
Google
4.3 / 5 (15)
Facebook
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
garrity-insurance.com logo
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garrity-insurance.com

545 Concord Avenue, Cambridge, MA 02138
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  • Condos
  • Fire

Business Description

Garrity Insurance serves the Cambridge metro area and sells homeowners insurance policies to people in need of coverage for all of the structures on their land as well as their personal belongings. This agency offers rates from a wide variety of carriers and advises clients on policies that can adequately cover their vulnerable areas and remain within their budgets. Condo and renters insurance policies are available as well alongside car and boat insurance options.

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
4.9 / 5 (158)
Yelp
4.5 / 5 (30)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
H. Levenbaum Insurance Agency logo
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H. Levenbaum Insurance Agency

1534 Dorchester Avenue, Dorchester, MA 02122
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

H. Levenbaum Insurance Agency has been catering to the insurance needs of homeowners and business property owners in Cambridge and the surrounding areas since 1923. Its homeowners' insurance policy covers damage to property and its contents due to fire, flood, water back-up, theft, and personal injury. The insurance also covers additional living expenses or loss of use, medical expenses, personal liability, and excess liability. The company also offers specific policies for secondary homes and valuables such as jewelry, fine arts, and collectibles.

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
5.0 / 5 (2)
Facebook
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
patnode.com logo
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patnode.com

396 Washington Street, Boston, MA 02135
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  • Renter's Insurance

Business Description

With over 75 years of experience, F.I. Patnode Insurance Agency serves people and businesses in the Cambridge metro area. The family-owned business compares home insurance policies across multiple companies and can adjust coverage when situations change. Additionally, it provides coverage for rental properties, as well as vacation and second homes. Its business insurance packages include investment property, umbrella liability, workers' compensation, and condominium master 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.
4.7
Yelp
4.5 / 5 (8)
Facebook
5.0 / 5 (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
Ribeiro DeSousa Insurance logo
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Ribeiro DeSousa Insurance

1092 Cambridge Street, Cambridge, MA 02139
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  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Ribeiro DeSousa Insurance provides homeowners' insurance to clients in Cambridge and nearby areas. It has been protecting homeowners from stolen or destroyed assets and properties through insurance policies since 1982. Homeowners' insurance can grant funds in case a home is vandalized, damaged by fire, or robbed. It can also protect homeowners from potential lawsuits if a guest is injured in their home. Ribeiro DeSousa Insurance can also grant renters insurance, business insurance, and auto 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.
4.7
Google
4.6 / 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
Today's Insurance logo
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Today's Insurance

777 Cambridge Street, Cambridge, MA 02141
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

Today's Insurance serves the Cambridge area. This company has been in the business for over 30 years and offers a wide range of insurance plans including homeowners' insurance. It understands that a home is a big investment for most people. Whether the client is new to the concept of insurance or a seasoned investor, Today's Insurance strives to create a policy tailored to fit their needs. Other insurance options include commercial and business purposes and general liability purposes.

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
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
Back to Providers

Frequently Asked Questions

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 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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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