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Best Homeowners Insurance Agencies in Lawrence

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Advantage Insurance Agency, Inc. logo
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Advantage Insurance Agency, Inc.

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

Business Description

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
B.T. O'Connell Insurance Agency logo
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B.T. O'Connell Insurance Agency

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

Business Description

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
Cowan Insurance Agency, Inc. logo
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Cowan Insurance Agency, Inc.

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

Business Description

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
Georgetown Insurance Agency, Inc. logo
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Georgetown Insurance Agency, Inc.

10 West Main Street, Georgetown, MA 01833
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

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
Hasbany, Regan & O'Connell Insurance Agency logo
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Hasbany, Regan & O'Connell Insurance Agency

254 Pleasant Street, Methuen, MA 01844
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  • Condos
  • Multiple Policy Types
  • Flood

Business Description

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)

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
Hays Insurance logo
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Hays Insurance

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

Business Description

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Joanne K. Mills Insurance Agency logo
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Joanne K. Mills Insurance Agency

156 Haverhill Street, Methuen, MA 01844
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  • Multiple Policy Types

Business Description

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
Leslie Insurance Agency logo
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Leslie Insurance Agency

645 Broadway, Lawrence, MA 01841
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  • Multiple Policy Types

Business Description

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
Marquis & Coughlan Insurance Agency logo
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Marquis & Coughlan Insurance Agency

147 Lowell Street, Methuen, MA 01844
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  • Multiple Policy Types

Business Description

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
Michaud Insurance Agency Inc. logo
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Michaud Insurance Agency Inc.

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

Business Description

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)

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
Silverio Insurance Agency logo
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Silverio Insurance Agency

10 South Broadway, Lawrence, MA 01843
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  • Fire
  • Multiple Policy Types
  • Flood

Business Description

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.
4.6
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
Verge Agency logo
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Verge Agency

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

Business Description

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.
4.2
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
Walter Insurance Agency logo
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Walter Insurance Agency

86 Broadway, Lawrence, MA 01840
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  • Multiple Policy Types

Business Description

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
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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