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Best Homeowners Insurance Agencies in Lowell

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A-Affordable Insurance Agency, Inc. logo
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A-Affordable Insurance Agency, Inc.

850 Chelmsford St, Lowell, MA 01851
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  • Fire
  • Multiple Policy Types

Business Description

A-Affordable Insurance Agency, Inc., helps homeowners in the Lowell area determine the right insurance policies for their residential investments. The agency assists clients in securing coverage for replacement costs following damages or losses caused by unforeseen events including fire, vandalism, theft, and weather-driven disasters. A-Affordable Insurance Agency's services also cover options such as liability costs, additional living expenses for temporarily uninhabitable properties, and other costs brought by earthquakes and flooding. The firm has been servicing clients across Massachusetts since 1984.

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 (134)

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
Action Auto Insurance logo
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Action Auto Insurance

703 Chelmsford Street, Lowell, MA 01851
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  • Multiple Policy Types

Business Description

Action Auto Insurance Agency, Inc., is an insurance company in Lowell that focuses on individual insurance products and services, including homeowners' insurance. The firm assists individuals and families in securing their homes and personal assets against unfortunate events. Its licensed agents provide several homeowners' coverage options, including repairs and rebuilding, home contents, personal liability, and additional living expenses. They also offer home and auto insurance bundles to qualified customers. Other services include auto, commercial auto, and motorcycle 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.
4.6
Google
4.6 / 5 (32)

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
––
Best Choice Insurance Agency logo
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Best Choice Insurance Agency

287 Appleton Street, Lowell, MA 01852
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  • Multiple Policy Types

Business Description

Best Choice Insurance Agency is a Lowell-based independent agency that has been providing its services for 20 years. The company offers a variety of insurance policies, including home insurance. Home insurance protects homeowners' properties from natural disasters and incidents like theft. Its insurance agents assist clients in understanding the different kinds of insurance to help them decide which one is the most suitable for their needs. Best Choice Insurance Agency works with several insurance providers like Pilgrim, Safeco Insurance, and Bunker Hill Home 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
Facebook
5.0 / 5 (17)
Google
4.1 / 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
Byam Insurance logo
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Byam Insurance

191 Pawtucket Boulevard, Lowell, MA 01854
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  • Earthquake
  • Renter's Insurance
  • Multiple Policy Types
  • Fire
  • Condos

Business Description

Established in 1906, Byam Insurance is a family business offering insurance services through its office in Lowell. Its insurance professionals work with its clients to determine the homeowners' insurance coverage most suitable to their needs. Aside from coverage for the dwelling, its homeowners' insurance policy can also cover liability protection, contents coverage, and loss of use coverage. The policy can also cover damage to other structures, including an unattached garage or storage shed.

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
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
Gallant Insurance Agency, Inc. logo
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Gallant Insurance Agency, Inc.

199 Great Road, Acton, MA 01720
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  • Condos
  • Renter's Insurance
  • Flood

Business Description

Gallant Insurance Agency Inc. provides homeowners and property insurance policies to customers in Lowell and surrounding cities. In business since 1957, the company offers no-obligation quotes via its online calculator, and it provides 24/7 assistance for claims. The business provides policies for homes, condos, apartments, and vacant dwellings, and it represents multiple insurance carriers to help customers compare rates and find plans best suited to their specific needs and budgets.

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.
4.4
Google
3.9 / 5 (12)
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
I – Insurance Group logo
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I – Insurance Group

799 Gorham Street, Lowell, MA 01852
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  • Multiple Policy Types

Business Description

I - Insurance Group is a full-service general insurance agency servicing hundreds of clients in the Lowell area. It offers comprehensive coverage via homeowners' insurance policies to first-time buyers, seasoned owners, condominium owners, or renters. The agency represents a number of leading insurance companies to get the right coverage for their clients. I - Insurance Group also offers auto, life, business, and commercial insurance. Services are available in English, Portuguese, 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.
4.7
Google
4.4 / 5 (25)
Facebook
5.0 / 5 (21)

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
––
Kaplansky Insurance logo
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Kaplansky Insurance

10 Kearney Rd., Needham, MA 02494
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Kaplansky Insurance is an insurance agency that has been serving clients in Lowell since 1974. Its products and services include home insurance which covers various risks, no matter how small or large. Specifically, the company's homeowners' insurance policy includes coverage for water backup, personal property or contents property damage, personal liability and medical expenses, and off-premises theft. Kaplansky Insurance also provides protection plans for business owners, commercial properties, automobiles, and condos.

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
4.1 / 5 (17)
Facebook
1.0 / 5 (1)
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
KK Insurance logo
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KK Insurance

508 Westford Street, Lowell, MA 01851
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  • Fire
  • Personal Property Insurance
  • Multiple Carriers

Business Description

K K Insurance is an insurance company based in Lowell, Massachusetts. It helps clients consider the most fitting coverage, taking into account their preferences, location, and risks. It has insurance plans that can help clients if their houses are damaged by natural disasters or crimes like vandalism and theft. It also covers the possibility of losing the house to fire or water damage. The company works with businesses such as Bunker Hill Home Insurance, Metlife, and Plymouth Rock Assurance.

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 (24)

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
L'Hussier Insurance logo
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L'Hussier Insurance

1641 Bridge Street, Dracut, MA 01826
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  • Life Insurance

Business Description

L'Hussier Insurance is an independent agency serving Lowell and the neighboring communities. It offers a number of home insurance solutions covering homes, condos, and rental properties in cases of flooding or dwelling fire. The firm also offers auto, life, boat, and valuable items insurance policies. Commercial clients can also choose from several commercial options, including professional liability, equipment breakdown, cyber liability, and workers' compensation. The family-owned and family-operated agency has been around since 1974.

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 (23)
Facebook
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
Monica Insurance Agency logo
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Monica Insurance Agency

19 Mill Court, Lowell, MA 01852
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  • Multiple Policy Types

Business Description

Monica Insurance Agency is a local homeowners' insurance agency that serves the residents of Lowell and the surrounding areas. Founded in 2003 by Monica Swaida, this insurance company provides assistance to homeowners who are looking to get their properties insured. Swaida's team educates families about the replacement costs involved in securing both the building structure and personal properties and customizes home insurance policies based on the clients' needs. Monica Insurance Agency also offers auto insurance and commercial 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.
4.4
Google
4.1 / 5 (30)
Facebook
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
Paul A. Balakin Insurance Agency logo
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Paul A. Balakin Insurance Agency

81 Plain Street, Lowell, MA 01851
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  • Multiple Carriers
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Established in 1985, Paul A. Balakin Insurance Agency is an independent insurance agency catering to clients in the Lowell area. It offers comprehensive homeowners' insurance policies, providing coverage for the dwelling as well as things like equipment breakdown and replacements on stolen or damaged contents. Discounts for home coverage include alarm discount, green discount, nonsmoking discount, mature homeowner discount, account discount, and advantage endorsement. It also offers combined homeowners' and auto insurance. Paul A. Balakin Insurance Agency is a family-owned and operated 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.
4.9
Google
4.9 / 5 (39)
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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