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Best Homeowners Insurance Agencies in Lynn

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A. James Lynch Insurance Agency Inc. logo
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A. James Lynch Insurance Agency Inc.

297 Broadway, Lynn, MA 01904
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Fire
  • Condos

Business Description

A. James Lynch Insurance Agency Inc. offers insurance policy options to residents and business property owners in Lynn and the neighboring areas. The homeowners’ insurance policy provides financial protection for any structural damage to the client's home and any loss or damage to personal property. Provisions for fire and smoke damage, loss due to excessive flooding, and personal liability are also covered. The company has been in the insurance industry for more than 60 years.

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 (10)
Facebook
5.0 / 5 (10)
Yelp
4.0 / 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
Columbia Insurance logo
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Columbia Insurance

31 Central Square, Lynn, MA 01901
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Condos

Business Description

Columbia Insurance is a local homeowners' insurance agency serving families in Lynn and the surrounding areas. Its team of insurance agents offers standard home insurance policies, which usually cover the home structure, the detached structures, personal properties, and property liabilities. They also customize the home insurance properties so that clients can include other valuable items or circumstances on their policies. Other than homeowners' insurance, Columbia Insurance also offers auto insurance and business insurance plans.

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
4.1 / 5 (13)
Facebook
5.0 / 5 (8)
Yelp
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
––
David E. Zeller Insurance Agency, Inc. logo
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David E. Zeller Insurance Agency, Inc.

370 Lynnway, Lynn, MA 01901
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Earthquake

Business Description

David E. Zeller Insurance Agency, Inc. offers insurance policy options to residents and business property owners in Lynn and the surrounding communities. The homeowners' insurance policy provides financial protection for three main areas, which are the structure of the house, the client's personal belongings, and liability against lawsuits filed by guests who were injured while on the client's property. The agency has access to coverages and premiums from more than 40 insurance companies.

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 (74)
Facebook
5.0 / 5 (14)
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
DiVirgilio Insurance logo
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DiVirgilio Insurance

270 Broadway, Lynn, MA 01904
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Business Description

DiVirgilio Insurance is an insurance agency that operates in Lynn, Massachusetts. It provides financial coverage for homeowners to pay for repairs for fire or wind damage. It also compensates them for personal items that are stolen or vandalized. The company has additional coverage to prepare for injuries to guests or flooding in the house. It has helped traditional homeowners, condo owners, tenants, and landlords. The company works with national insurance companies like AIG, Nationwide, and Harleysville 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
4.5 / 5 (25)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Duffy Insurance logo
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Duffy Insurance

317 Broadway, Lynn, MA 01904
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  • Multiple Policy Types

Business Description

Duffy Insurance is a local agency that has been serving the insurance needs of individuals, families, and businesses in Lynn since 1996. It believes that every person has unique insurance needs and therefore aims to create a tailored policy for each of its clients. Its team of agents comprehensively evaluates its clients' specific property insurance needs to make sure that their biggest asset is protected. It works with nine different home insurance companies including The Andover Cos., Bunker Hill, Norfolk, Dedham, and Commerce.

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 (9)
Facebook
5.0 / 5 (1)
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
Eastern Insurance logo
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Eastern Insurance

1149 Washington Street, Newton, MA 02465
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  • Condos
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Eastern Insurance is a professional homeowners insurance broker based in the Lynn metro area. The business provides policies for coastal properties, high-value homes, and condos, and it offers separate plans for flooding and earthquakes. Customers can file claims and review their accounts through the company's online portal, and the company provides 24/7 access to all insurance information. Additional insurance products offered include auto insurance, dental plans, renter's insurance, and RV 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
4.5 / 5 (182)
Facebook
4.5 / 5 (57)

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
Farquhar & Black Insurance Agency, Inc. logo
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Farquhar & Black Insurance Agency, Inc.

85 Exchange Street, Lynn, MA 01901
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  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Farquhar & Black Insurance Agency Inc. is a homeowners insurance broker in Lynn. The company provides policies that cover homes, outlying structures, and personal property, and its agents offer guidance on special form all-risk policies. When applicable, the company offers separate policies for earthquakes and flooding, and it assists with obtaining special endorsement policies for sewer backups. In addition to home and property insurance, the business sells auto and watercraft insurance 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.
4.9
Facebook
5.0 / 5 (4)
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
Friendly Insurance logo
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Friendly Insurance

471 Western Avenue, Lynn, MA 01904
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood
  • Condos

Business Description

Friendly Insurance is a homeowners' insurance agency that has been serving families in the Lynn area for more than 25 years. Its team of insurance agents is well-versed in guiding insurance buyers through the entire process of getting a homeowners' insurance policy, which was designed to help protect the owners' dwelling, personal liabilities, and personal properties. They are also equally knowledgeable in providing options for condo insurance and rental property 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
4.7 / 5 (25)
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
Get One Insurance logo
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Get One Insurance

41 Sutton St Suit 2, Lynn, MA 01902
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  • Multiple Policy Types

Business Description

Get One Insurance is a firm that has been serving homeowners and businesses in Lynn since 2013. It offers homeowner, renter, condo, auto, and umbrella insurance. Its homeowners' insurance policy covers the dwellings attached to the structure and personal liability in the event of injuries on the premises. This option also covers medical payments for injured guests on the client's property, regardless of fault. The agency represents various carriers, including Travelers, Safeco, Nationwide, and American Modern.

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 (12)
Matthew Cooper Insurance Agency logo
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Matthew Cooper Insurance Agency

732 Broadway, Revere, MA 02151
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  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Business Description

Matthew Cooper Insurance Agency is an independent insurance broker based in Lynn that handles homeowners policies for relocating and current homeowners. Agent Matthew Cooper and his team provide insurance plans for homes and rented apartments, and they advise on the differences between named-perils and all-risk policies. The company's website offers an instant quote calculator, and clients have the option to file claims and make payments directly on the site. Additional insurance products offered include personal, auto, and 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.
4.8
Google
4.8 / 5 (26)
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
Mill City Insurance logo
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Mill City Insurance

224 Union Street, Lynn, MA 01901
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire

Business Description

Mill City Insurance is an agency that serves clients in Lynn and the surrounding areas. It offers homeowners' and renters' insurance policies to protect individuals against unexpected property loss or theft. Its insurance policies provide personal property and liability coverage for those looking to rent an apartment or a home. Auto insurance that includes coverage for the cars, vans, and trucks used in business are also available. The company has been in the insurance industry since 2003.

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
Google
3.9 / 5 (56)
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
Point Insurance logo
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Point Insurance

22 State Street, Lynn, MA 01901
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Fire

Business Description

Point Insurance helps individuals and families protect their homes through comprehensive insurance policies. Based in Lynn, this independent insurance agency helps clients seeking protection from expenses resulting from fires, natural calamities, and vandalism. They can also obtain policies that cover possible lawsuits that ensue if a person becomes injured on a client's property. The company also offers an array of insurance plans for business owners, renters, and workers. Point Insurance welcomes Portuguese-speaking customers with locations in Everett, Plymouth, and Framingham.

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
4.9 / 5 (120)
Facebook
5.0 / 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
Wood & Associates Insurance Agency, Inc logo
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Wood & Associates Insurance Agency, Inc

32 South Common Street, Lynn, MA 01902
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  • Multiple Carriers
  • Multiple Policy Types

Business Description

Wood & Associates Insurance Agency, Inc. offers insurance policy options to residents and business property owners in Lynn and throughout the region. The homeowners' insurance policy includes property coverage, personal property protection, living expenses or loss of use, liability coverage, and medical expenses for guests injured while on the client's property. Established in 1995, the company also provides insurance for beach homes, high-value homes, rental dwellings, secondary residences, and vacation homes.

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
4.2 / 5 (21)
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
Woodward and Higgs Insurance Agency, Inc logo
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Woodward and Higgs Insurance Agency, Inc

156 Broad Street, Lynn, MA 01901
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  • Multiple Policy Types

Business Description

Woodward and Higgs Insurance Agency, Inc. is an insurance services provider serving Lynn clients since 1939. Its agents help in personal insurance like home, car, motorcycle, dwelling fire, and watercraft. The company's home insurance includes condominium and renters' coverages. Clients can also apply for a personal umbrella insurance in case of policy adjustment. The agency also has access to multiple carriers such as Plymouth Rock Insurance, Progressive, Safeco Insurance, Zurich, CNA Surety, and Quincy Mutual Group.

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 (9)
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
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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