Expertise.com

Best Homeowners Insurance Agencies in Fall River

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Arruda Insurance Agency logo
Visit WebsiteWebsite

Arruda Insurance Agency

434 American Legion Highway, Westport, MA 02790
Visit WebsiteWebsite
  • Flood
  • Multiple Policy Types

Business Description

Arruda Insurance Agency caters to homeowners in the Fall River area that seek to ensure the financial security of their homes. The firm works to help clients identify insurance policies that fit their specific needs in terms of covered losses. Arruda Insurance Agency also handles specialty dwelling needs as well as common factors for insurance coverage including temporary living arrangements, liabilities, and special options for high-value assets. The agency has been servicing Bristol County communities since 1970.

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 (40)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Costa Insurance logo
Visit WebsiteWebsite

Costa Insurance

10 Taunton Green, Taunton, MA 02780
Visit WebsiteWebsite
  • Personal Property Insurance

Business Description

Costa Insurance caters to individuals and businesses in the Fall River area. Its team offers home insurance to individuals who want better financial protection for their properties. The policy provides compensation for theft and vandalism, along with damage caused by fires and natural disasters. It also covers injuries that occur inside the residence. In addition, commercial clients can get insurance for workers' compensation and professional liability claims. Its agents have more than 35 years of industry experience.

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
4.6 / 5 (5)
Facebook
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
Frank Smith Insurance & Real Estate logo
Visit WebsiteWebsite

Frank Smith Insurance & Real Estate

246 Gardners Neck Road, Swansea, MA 02777
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Frank Smith Insurance & Real Estate is an insurance company that serves clients in Fall River. It provides homeowners with coverage to pay for any repairs or replacement for any damage to the house and its plumbing, heating, or electricity. It covers additional parts of the house like sheds and fences. The company offers both a standard all-encompassing plan and a customized plan for specific issues like flooding. The company also does the handling of real estate purchases and sales.

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
Facebook
4.5 / 5 (13)
Google
5.0 / 5 (9)

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
OceanPoint Insurance logo
Visit WebsiteWebsite

OceanPoint Insurance

651 Main Road, Tiverton, RI 02878
Visit WebsiteWebsite
  • Fire
  • Flood

Business Description

Operating from five locations across Rhode Island, OceanPoint Insurance has a long history of helping clients find the right policies within their budgets. Founded in 1863, the agency's people have helped many clients find home insurance policies that cover them if their properties are damaged by disasters and other unexpected events, such as a tree falling on to their neighbors' properties. OceanPoint Insurance also specializes in business insurance and employee benefits.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Partners Insurance Group logo
Visit WebsiteWebsite

Partners Insurance Group

1 Crandall Road, Tiverton, RI 02878
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Earthquake
  • Condos

Business Description

Partners Insurance Group is an independent insurance agency that serves the residents of Fall River. The agency creates homeowners' insurance policies that are tailored to fit the unique needs of its clients. The company's agents work closely with clients especially when they are experiencing a loss and seeking appropriate compensation. Partners Insurance Group carries insurance provider options such as MetLife Auto & Home, The Main Street America Group, and The Beacon Insurance Co.

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
Facebook
5.0 / 5 (20)
Google
5.0 / 5 (6)
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
Rua-Dumont-Audet Insurance Agency, Inc. logo
Visit WebsiteWebsite

Rua-Dumont-Audet Insurance Agency, Inc.

155 North Main Street, Fall River, MA 02720
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Rua-Dumont-Audet Insurance Agency Inc. is an independent insurance agency in Fall River, MA, that offers personal and business insurance plans to clients in the area. The agency offers homeowners' insurance packages that protect homes from disasters and other damage. Its standard policies protect the dwelling structure, homeowners' liability, living expenses or loss of use, and personal belongings. RDA Insurance's history can be traced way back to 1908 and has evolved into its present form in 2005.

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.
3.9
Google
3.9 / 5 (37)

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
Stafford Insurance logo
Visit WebsiteWebsite

Stafford Insurance

1000 North Main Street, Fall River, MA 02720
Visit WebsiteWebsite
  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Established in 1881, Stafford & Co. Insurance provides a host of financial and insurance services through its offices in Fall River and Somerset. The homeowners' insurance offering of the company covers all residential properties, including primary homes, rental properties, vacation homes, condominiums, and high-valued homes. Aside from damage to the primary homes, the insurance also covers the contents, personal liability, and loss of use. Additionally, an insurance professional from the company can help clients design a policy that fits their 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.
4.8
Google
4.5 / 5 (12)

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
Towers-Lemos Insurance Agency logo
Visit WebsiteWebsite

Towers-Lemos Insurance Agency

709 Fall River Avenue, Seekonk, MA 02771
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Business Description

Established in 1980, Towers-Lemos Insurance Agency is a local independent insurance agency that provides its services to Fall River. The agency's services include offering homeowners' insurance that will help its clients protect their homes. Its team of professional agents assists clients in getting an insurance policy that has accurate coverage at the rate that suits their budget. Towers-Lemos Insurance Agency serves Rehoboth, Seekonk, and Swansea in Massachusetts, as well as East Providence, Little Compton, and Tiverton in Rhode Island.

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 (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
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.

Read all FAQs