Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lawrence

Our Recommended Top 13

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 Lawrence 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.

58Reviewed

40Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
645 Broadway, Lawrence, MA 01841
  • Multiple Policy Types

Why choose this provider?

Leslie Insurance Agency offers insurance options to residents and business property owners in Lawrence and the surrounding areas. Its homeowners' insurance policy has various inclusions, such as property coverage, personal property protection, temporary living expenses in the case of complete loss of home, liability protection, and medical expenses for guests injured or harmed while in the client's property. The contents of the company's website are available in both English and Spanish.

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
4.5 / 5 (80)

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
252 Pleasant St, Methuen, MA 01844
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

B.T. O'Connell Insurance Agency provides homeowners' insurance in and nearby Lawrence. It covers the clients' properties from any damage or destruction due to fires or other disasters. It also covers the medical fees or settlements for those injured at the house. The agency examines the house and checks any existing policies for any lacking concerns in the coverage and money-saving alternatives. It also guides the clients with filing claims, changing insurance details, or clarifying any confusion with terms or conditions.

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 (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
36 Hawthorne Avenue, Methuen, MA 01844
  • Multiple Policy Types

Why choose this provider?

Hays Insurance offers homeowners' insurance policies to the residents of Massachusetts and New Hampshire from its office in Methuen. Clients in Lawrence can avail of the policy to protect their homes with coverage for the dwelling, unattached structures, personal property, loss of use, and personal liability. Some of the firm's carriers are Travelers, Plymouth Rock Assurance, Foremost Insurance Group, and The Concord Group. Hays Insurance is a local, family-owned, independent agency that has over 50 years of 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.
4.1
Google
4.1 / 5 (15)

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
184 Pleasant Valley St, Suite 1-206, Methuen, MA 01844
  • Personal Property Insurance

Why choose this provider?

Since 1973, Advantage Insurance Agency, Inc. has been helping clients in Lawrence to protect their properties including homes, condominiums, apartments, and commercial rentals. Homeowners' insurance help clients protect families and their belongings from untoward financial losses caused by fire, storms, and theft. This agency walks clients through the process of assessing a suitable insurance product to match their budgets, with the availability of 24/7 customer support. Its insurance agents also help in securing coverage for automobiles, recreational vehicles, boats, and watercraft.

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.
4.3
Google
4.3 / 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
95 Ayer St, Methuen, MA 01844
  • Renter's Insurance
  • Multiple Policy Types
  • Flood

Why choose this provider?

Michaud Insurance Agency Inc. offers insurance options to residents and business property owners in Lawrence and the rest of the region. The agents advise the clients on the right homeowners' insurance policy to get in order to protect their private residence and the contents in it. The insurance policy provides compensation for financial losses and damages due to tragedy or disaster. The agency provides different options from multiple carriers for the clients to choose from.

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
4.8 / 5 (72)
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
156 Haverhill Street, Methuen, MA 01844
  • Multiple Policy Types

Why choose this provider?

Joanne K. Mills Insurance Agency offers insurance options to residents and business property owners in Lawrence and the surrounding communities. Its agents help clients decide on the right homeowners', renters', and condominium owners' insurance policy that fits their needs and budget. The company's homeowners' insurance policy protects the property and its contents from financial losses in the unfortunate event of disasters. The company has been in the insurance business for more than two decades.

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 (14)

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
91 Plaistow Road, Plaistow, NH 03865
  • Earthquake
  • Flood
  • Fire

Why choose this provider?

Verge Agency represents multiple carriers to deliver the homeowners insurance policy that best meets its clients' needs. The company's professionals evaluate individual situations, such as the replacement value of the home and personal possessions, in order to deliver appropriate protection. Policies include recovery for damages caused by most disasters as well as theft and vandalism. In addition to standard coverage, Verge Agency provides separate earthquake and flood policies. The company's other products include business, auto, life, and health 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
Facebook
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
10 West Main Street, Georgetown, MA 01833
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Georgetown Insurance Agency Inc. is an independently owned company. Its licensed professionals assess their clients' needs in order to provide personalized homeowners coverage. They evaluate such concerns as the replacement value of the home and all personal possessions. The company represents multiple carriers to deliver the most comprehensive policy that covers damage caused by most natural disasters in addition to theft and vandalism. It also offers supplemental coverage for earthquakes and floods.

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
5.0 / 5 (44)
Facebook
4.5 / 5 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
359 Main Street, Haverhill, MA 01830
  • Personal Property Insurance
  • Multiple Policy Types

Why choose this provider?

Cowan Insurance Agency Inc. is a family-owned company that's provided homeowners coverage since 1938. It represents a variety of carriers to deliver clients the protection they need for their homes and personal possessions. The company's licensed agents evaluate individual circumstances to help ensure the appropriate policy's in place to cover unexpected disasters like fire and vandalism as well as liability for injured guests. Cowan Insurance Agency also offers flood and umbrella 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.
3.8
Google
3.3 / 5 (7)
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
254 Pleasant Street, Methuen, MA 01844
  • Condos
  • Multiple Policy Types
  • Flood

Why choose this provider?

Hasbany, Regan & O'Connell Insurance Agency is an independent insurance company that serves clients in Lawrence and throughout the states of Massachusetts and New Hampshire. With access to all types of personal insurance coverages, the agents at this company can craft a comprehensive homeowners' insurance plan to protect homes and belongings. The policy coverage includes personal property and liability. The additional lines of insurance that they offer include beach homes, high-value homes, and secondary residences.

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
4.8 / 5 (17)
Yelp
4.0 / 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
147 Lowell Street, Methuen, MA 01844
  • Multiple Policy Types

Why choose this provider?

Marquis & Coughlan Insurance Agency assists homeowners in the Lawrence area that seek to ensure financial security for their properties and personal belongings. Based in Methuen, the agency helps homeowners identify insurance policies that best suit their unique needs. Marquis & Coughlan Insurance's services focus on obtaining coverage for physical property structures, replacement costs, valuables, personal liabilities, and temporary living expenses. The family-run firm has approximately 50 years of insurance experience and also covers valuable items and damages from floods and earthquakes.

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 (24)
Facebook
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
10 South Broadway, Lawrence, MA 01843
  • Fire
  • Multiple Policy Types
  • Flood

Why choose this provider?

Silverio Insurance Agency has provided homeowners insurance coverage in Lawrence for more than 37 years. The independent agency represents multiple carriers to deliver the personalized protection its clients require. Its licensed professionals evaluate individual needs for home and personal possession coverage. They recommend policies that cover damage from unexpected events like fire and vandalism in addition to liability. Silverio Insurance Agency also offers separate flood and earthquake insurance. Additionally, it provides condo owners with customized 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.
5.0
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
86 Broadway, Lawrence, MA 01840
  • Multiple Policy Types

Why choose this provider?

Walter Insurance Agency is an insurance agency in Lawrence that has been providing all lines of insurance to the community since 1997. It has helped many individuals and families protect their homes and belongings through home insurance. The experts at this agency can also customize the home insurance protection coverage to meet the requirements of the clients. Walter Insurance Agency is also trusted by small businesses in terms of providing complete protection for the company or organization.

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
4.5 / 5 (13)
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

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.
  • What are the basic risks covered by homeowners' insurance in Lawrence?

    The basic risks covered by homeowners' insurance in Lawrence are harms caused by severe weather, such as fires, lightning, and wind. Perils introduced by humans, such as theft, are in basic policies. The personal liability incurred by the insured for torts cases is also compensated by home assurance contracts.

  • How may a resident of Lawrence get additional coverage for risks not included in homeowners' insurance policies?

    A resident of Lawrence may get additional coverage for risks not included in homeowners' insurance policies by obtaining an umbrella policy. This covers claims and lawsuits against the insured and raises the sums that the insurer has to pay in case a tort case is filed against the client.

  • What items in a Lawrence homeowner's house need to be scheduled for proper insurance coverage?

    A homeowner in Lawrence should schedule highly valuable items to receive insurance coverage. These include special collections like memorabilia and fine crystals, antiques, furs, and fine arts. Otherwise, the coverage will either be nonexistent or so limited that only a small fraction of the property's cost will be included.

  • Why do homeowners' insurance products in Lawrence fall short of covering the whole appraised value of a house?

    Homeowners' insurance products in Lawrence fall short of covering the whole appraised value of a house because the value of the land is not covered by insurers but is in the appraisal. It is highly unlikely for land to ever be lost in the event of a covered risk, and what usually happens is that only the structure sustains harm or loss. Hence, only the structure is covered.

  • Why is it tricky to get a replacement cost homeowners' policy for an older house in Lawrence?

    It is tricky to get a replacement cost homeowners' policy for an older house in Lawrence because the age of the structure makes it impossible to perfectly replace lost or damaged portions. The materials used may be different, and changes in building codes could make restoring the home to its exact previous state impossible. Thus, modified replacement cost policies are offered instead.

  • 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.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2023

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.