Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Lynn

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 Lynn 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.

66Reviewed

44Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
317 Broadway, Lynn, MA 01904
  • Multiple Policy Types

Why choose this provider?

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.
4.7
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

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

Why choose this provider?

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.
4.1
Google
4.2 / 5 (21)
Facebook
5.0 / 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

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

Why choose this provider?

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.
4.8
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

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

Why choose this provider?

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.
4.9
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

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

Why choose this provider?

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

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

Why choose this provider?

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

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

Why choose this provider?

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

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

Why choose this provider?

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.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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)

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

Why choose this provider?

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.
5.0
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

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

Why choose this provider?

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.
4.7
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

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

Why choose this provider?

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.
4.6
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail

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

Why choose this provider?

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

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

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.
  • When is water damage covered by home insurance in Lynn?

    Water damage is covered by homeowners insurance in Lynn if the source is sudden and internal and the water has never come into contact with the outside ground. The most frequent causes of water damage include overflows, frozen pipes, sewer water backing up through the lines, broken water lines behind appliances, and storm-related roof damage with rain coming through the roof.

  • What expenses does your home insurance in Lynn's umbrella policy cover?

    The umbrella coverage in your house insurance policy in Lynn covers claims involving defamation of character, libel, slander, and other personal attacks, as well as other people's property damage, medical expenses, and burial costs. Typically, the umbrella policy does not cover your own injuries, damage to your personal property, intentional or criminal acts, and other people's injuries or property damage for which your company is responsible.

  • Does Lynn's home insurance automatically include jewelry coverage?

    In Lynn, home insurance automatically provides a small amount of coverage for your jewels, but it is important to obtain supplementary coverage because the value of your jewelry may frequently surpass these restrictions, leaving you underinsured. The cost of the jewelry item, where you live, the deductible you chose, and the kind of coverage you require are a few variables that can affect your jewelry insurance prices.

  • What are your options if your application for homeowners insurance in Lynn is rejected?

    If your Lynn homeowners insurance application is declined, you could search around for different insurance companies. Another option is to engage with an independent insurance agent who may assist you in finding the right policy. If you're still having issues, you might be able to get help from your state's insurance department.

  • What is excluded from loss of use coverage in a home insurance policy in Lynn?

    Loss of use coverage in Lynn covers necessary expenses when an eligible claim prevents you from living in your house. If the harm done to your house falls outside the scope of the insurance, there will be no payment from the loss of use coverage. For instance, damage from an earthquake or flood isn't covered by home insurance, so loss of use would not also apply. Additionally, items like optional improvements and routine maintenance are not covered by loss-of-use insurance.

  • 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.

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