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Best Homeowners Insurance Agencies in Newton

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A&P Insurance Agency, Inc. logo
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A&P Insurance Agency, Inc.

273 Southwest Cutoff, Worcester, MA 01604
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

Business Description

A&P Insurance Agency Inc. is a family-owned insurance agency that has provided cost-effective insurance solutions for residential and commercial customers in and around Newton since 1978. It works with a variety of insurance carriers to obtain the right home insurance options that cover property losses due to theft, fire, vandalism, and injuries. The agency offers a wide range of property insurance packages for small to medium-sized businesses. A&P Insurance also has insurance plans for antique automobiles.

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
Anchor Insurance Group logo
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Anchor Insurance Group

1359 Centre Street, Newton, MA 02459
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  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Business Description

Anchor Insurance Group is a full-service insurance agency in Newton that provides insurance policies from a wide range of insurance carriers. Its agents put together customized home insurance plans that cover the replacement costs of a home and its contents, as well as additional living expenses. The agency offers supplemental home insurance coverage for valuables, earthquakes, floods, rental properties, and condos. Anchor Insurance also handles insurance policies for automobiles, watercraft, worker's compensation, and vacant 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.
4.6
Google
4.6 / 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
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Detail
Bikofsky Insurance Agency & Saul Freedman Agency Inc logo
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Bikofsky Insurance Agency & Saul Freedman Agency Inc

793 Washington Street, Newton, MA 02460
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  • Renter's Insurance
  • Multiple Carriers
  • Flood
  • Fire

Business Description

Bikofsky Insurance Agency & Saul Freedman Agency Inc. is a family-owned and -operated insurance agency in Newton that has been providing insurance solutions to the community for over 64 years. It partners with multiple insurance companies to provide a variety of coverage options for homeowners' insurance and other personal and commercial insurance policies. The agents can craft a comprehensive homeowners’ plan to insure the house or apartment, including the surrounding buildings and structures, personal belongings, and liability.

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
Yelp
5.0 / 5 (4)
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
CAV Insurance Agency, Inc. logo
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CAV Insurance Agency, Inc.

31 Washington Street, Wellesley, MA 02481
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Fire
  • Condos

Business Description

CAV Insurance Agency, Inc. provides financial assistance for Newton residents. Included in its line of services is homeowners' insurance. The agency helps homeowners in acquiring different home insurance plans. One of the plans includes coverage for detached structures on a homeowner's property such as barns and garages. Personal property coverage protects homeowners' personal belongings including clothing, furniture, and electronics. Optional coverages for flood damage and earthquake damage are also available. CAV Insurance Agency, Inc. has been protecting clients since 1955.

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 (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
Charles River Insurance logo
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Charles River Insurance

5 Whittier Street, Framingham, MA 01701
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Charles River Insurance is a full-service agency near Newton that offers a variety of insurance services from leading carriers, such as Progressive, Liberty Mutual, and Nationwide. Its home insurance policies are designed to protect homes, personal belongings, and secondary structures from damage due to unforeseen disasters. The agency provides separate home insurance coverage for flooding due to excessive rainfall, sewer backups, and erosion. Plus, Charles River Insurance has insurance coverage for automobiles, condos, boats, and even weddings.

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 (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
Eisenberg Associates logo
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Eisenberg Associates

1330 Centre Street, Newton, MA 02459
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

Eisenberg Associates is an independent insurance broker dedicated to helping individuals and businesses in Newton find the right insurance coverage that meets their needs. It offers various home insurance packages that protect the personal possessions of homeowners and renters from any unforeseen disasters. Homeowners can purchase additional home insurance coverage for evacuations, liability claims, and even kidnapping and ransoms. Eisenberg Associates also have dental, vision, life, nanny, and pet sitters insurance plans available.

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 (3)
Facebook
5.0 / 5 (2)
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
Fisher Insurance Agency, Inc logo
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Fisher Insurance Agency, Inc

194 West Street, Milford, MA 01757
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  • Condos
  • Multiple Policy Types

Business Description

Fisher Insurance Agency Inc. is an independently owned agency that provides insurance services to businesses, families, and individuals in Newton and throughout the country. It has customized home insurance policies that cover property losses from hazards such as fire, windstorms, vandalism, theft, plumbing leaks, and more. The agency offers renters insurance to protect the contents of an apartment from theft, fire, and vandalism. Fisher Insurance also insures boats, cars, RVs, condos, and limos.

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 (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
G&N Insurance logo
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G&N Insurance

PO Box 666, Southborough, MA 01772
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  • Multiple Policy Types

Business Description

G&N Insurance is a local insurance agency with over a decade of experience helping residents of Newton and surrounding communities find the right insurance plan. Its dedicated team of agents offers a variety of home insurance policies that cover property losses due to unforeseen disasters. The agency works with business owners, investors, and landlords to obtain an insurance policy that meets their needs and budget. G&N Insurance also has additional insurance coverage for cars and motorcycles.

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
4.9 / 5 (157)
Yelp
4.0 / 5 (53)

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
H&K Insurance Agency, Inc. logo
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H&K Insurance Agency, Inc.

182 Main Street, Watertown, MA 02472
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

H&K Insurance Agency Inc. is a family-owned business that has been serving the insurance needs of residents in Newton and the surrounding communities since 1961. Its home insurance plans offer protection for dwellings, personal possessions, outbuildings, and additional living expenses. The agency has renters insurance that covers the replacement costs of valuables within an apartment or condo unit. H&K Insurance also offers scheduled personal property insurance that covers expensive items, such as jewelry, arts, and collections.

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
4.7 / 5 (15)
Yelp
4.0 / 5 (7)

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
Herlihy Insurance Group logo
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Herlihy Insurance Group

51 Pullman Street, Worcester, MA 01606
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Founded in 1927, Herlihy Insurance Group is comprised of a team of experienced insurance agents near Newton who provide clients with a variety of insurance solutions. It designs home insurance policies for homes, condominiums, and apartments that cover the replacement value of what was damaged. The independent agency protects investors of rental properties from financial losses caused by accidents, natural disasters, and other liability issues. Herlihy Insurance also insures automobiles, boats, recreational vehicles, and even weddings.

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 (182)
Facebook
4.5 / 5 (57)
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
James A. Ryan Ins. Agency, LLC logo
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James A. Ryan Ins. Agency, LLC

1379 Washington Street, Newton, MA 02465
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  • Fire
  • Personal Property Insurance

Business Description

James A. Ryan Ins. Agency, LLC, a family-owned multi-line insurance agency that serves Newton-based families, individuals, and businesses. The agency's insurance specialists provide a tailored home insurance policy for different residences such as apartments, condominiums, and houses. The policy pays for the rebuilding cost of damaged property, replaces destroyed or stolen personal belongings, and pays for the medical bills of persons who are injured at home. It also has liability protection to protect clients from lawsuits.

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
3.8 / 5 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kaplansky Insurance logo
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Kaplansky Insurance

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

Business Description

Kaplansky Insurance is a local business with a team of insurance agents near Newton who help residents design an insurance plan that fits their needs and budget. It offers home insurance that protects homes and personal belongings from water leaks, burglary, fire, and vandalism. The agency has luxury home insurance packages for protecting high-value or heritage homes and their contents from theft and other disasters. Kaplansky Insurance also has insurance starter bundles for those who rent apartments and cars.

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
4.3 / 5 (46)
Yelp
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
Knight-Dik Insurance logo
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Knight-Dik Insurance

120 Front Street, Worcester, MA 01608
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  • Flood
  • Fire
  • Earthquake
  • Personal Property Insurance

Business Description

Knight-Dik Insurance is an independent insurance agency with over 100 years of experience insuring homes and businesses in Newton and throughout the surrounding areas. It offers home insurance plans from leading insurance carriers that cover the replacement costs of homes, garages, and personal belongings in the event of fire, theft, or other disasters. Homeowners can purchase additional coverage for floods, earthquakes, sewer backups, and identity theft. Knight-Dik Insurance also provides personal umbrella insurance policies for protection against liability claims.

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)
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
Kovalev Insurance logo
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Kovalev Insurance

188 Needham Street, Newton, MA 02464
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Kovalev Insurance is an agency that caters to residents in the Newton area that seek to address their home insurance issues. The agency helps homeowners identify insurance policies best suited to their coverage needs for properties and personal belongings. Kovalev Insurance also works to help clients financially recover from losses brought by events such as fire, vandalism, and theft. The firm's home insurance services additionally include liabilities associated with injury-related lawsuits. Kovalev Insurance was established by Nina Kovalev in 2000.

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
4.9 / 5 (158)
Yelp
4.0 / 5 (11)
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.
4.0
Responsiveness
––
Friendliness
Helpfulness
Detail
L&S Boule Insurance logo
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L&S Boule Insurance

158 Main Street, Marlboro, MA 01752
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  • Multiple Policy Types

Business Description

For more than 20 years, L&S Boule Insurance has provided a wide range of insurance services and products for clients in Newton and surrounding areas. Its agents can tailor a home insurance plan that protects homeowners from losses due to fire, theft, flood, or accidents. For businesses, the agency has customized insurance options that cover the loss of work vehicles, buildings, and income. L&S Boule Insurance also offers life insurance products for added peace of mind.

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 (6)
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
Massinsurers logo
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Massinsurers

80 Langley Road, Newton, MA 02459
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  • Renter's Insurance
  • Personal Property Insurance
  • Condos

Business Description

Massinsurers is an insurance agency that has been serving Newton since the mid-1960s. It helps homeowners, renters, and condo owners in protecting their investment and personal possessions by providing insurance products. Its team of independent agents presents coverage options from a wide variety of insurance carriers including Hiscox, Zurich, and A.I.M. Mutual. The agency also offers insurance plans for businesses, automobiles, and pedicabs. It navigates through different industries such as biotechnology, dry cleaners, and film productions.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
McNamara Insurance logo
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McNamara Insurance

151 Commonwealth Avenue, Newton, MA 02467
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  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

Business Description

McNamara Insurance is an independent brokerage servicing clients in Newton and nearby areas. Homeowners' insurance mitigates losses due to storms, fire, vandalism, and theft. Personal belongings such as furniture, clothes, and electronics can be replaced, and an injured third party is covered with personal liability coverage if the incident happened on a homeowner's property. An injured visitor's medical cost is covered if the incident occurred on the insured party's property, mitigating the risk of lawsuits. McNamara partners with many insurance carriers.

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 (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
Northeast - Metro West Insurance Agency logo
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Northeast - Metro West Insurance Agency

648 Highland Avenue, Needham, MA 02494
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Northeast - Metro West Insurance Agency works with over 25 insurance carriers near Newton to find the right insurance policy that meets the needs of homeowners and businesses. Its agents have various home insurance packages to cover dwellings and personal belongings against risks, including fire, theft, and water damage. The agency's renter's insurance protects an apartment renter's furniture, clothing, or technical devices from damages caused by storms, smoke, and hail. Metro West Insurance also insures cars, motorcycles, RVs, 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.
4.2
Google
4.2 / 5 (13)

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
Pella Insurance Agency logo
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Pella Insurance Agency

585 Washington Street, Brighton, MA 02135
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  • Multiple Policy Types

Business Description

Pella Insurance Agency is an independent provider that addresses the insurance needs of residents and property owners in the Brighton and Newton areas. Its homeowners' insurance policy covers the cost of replacing clients' personal properties in case they are lost due to unexpected disasters. It also protects the clients from lawsuits in case someone is injured in their homes. The clients have the option of choosing the specific coverages of their insurance policy.

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 (15)
Facebook
5.0 / 5 (2)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Welsh & Parker Insurance Agency logo
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Welsh & Parker Insurance Agency

131 Coolidge Street, Hudson, MA 01749
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  • Renter's Insurance
  • Multiple Policy Types
  • Fire

Business Description

Welsh & Parker Insurance Agency has provided insurance coverage through leading insurance carriers to individuals and businesses in Newton and surrounding areas since 1865. It has home insurance options to protect homes, personal possessions, and outbuildings from damage caused by fire, theft, burst pipes, and snow. The agency offers renters insurance that covers the loss of personal belongings due to fire, windstorms, and other events. Welsh & Parker Insurance also insure boats, motor vehicles, and technology 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.
4.0

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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