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Best Homeowners Insurance Agencies in Somerville

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Amazonia Insurance logo
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Amazonia Insurance

66 Bow Street, Medford, MA 02155
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  • Multiple Policy Types

Business Description

Amazonia Insurance caters to homeowners in the Somerville area that want to secure financial protection for their residences and valuables. The agency works to helps residents obtain coverage for damages resulting from covered risks such as fires, explosions, theft, and falling objects. Amazonia Insurance also assists clients in identifying insurance policies for temporary living expenses when homes become uninhabitable due to events such as hurricanes or wildfires. The firm was founded in 1993 and also provides services for business insurance matters.

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 (36)
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
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Baldwin, Welsh & Parker Insurance logo
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Baldwin, Welsh & Parker Insurance

57 Putnam St, Winthrop, MA 2152
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Baldwin, Welsh, & Parker Insurance is an insurance agency near Somerville that has roots going back to the mid-1800s. The agency offers personal insurance packages, including homeowners policies, that cover clients' residences and belongings. The packages cover the home and contents from theft and damage from vandalism and natural disasters. The company also sells insurance to cover rental properties and condos. Additionally, the agency offers general business and auto insurance.

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
Bates Insurance Agency Inc. logo
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Bates Insurance Agency Inc.

92 High Street, Medford, MA 02155
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  • Multiple Policy Types

Business Description

Bates Insurance Agency Inc. has been helping clients in the Medford and Somerville areas with their insurance needs since 1976. Its homeowners' insurance policy provides financial protection for its clients in case their homes are damaged due to unexpected events. The agency can customize the homeowners' insurance to fit the needs of its clients. Aside from property damage coverage, it can cover personal property, personal liability, jewelry and fine art, medical expenses, and personal injury.

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 (28)
Facebook
5.0 / 5 (11)

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
Eagle Trust Insurance logo
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Eagle Trust Insurance

125 Cambridge Park Drive, Cambridge, MA 02140
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  • Multiple Policy Types

Business Description

Founded in 1989, Eagle Trust Insurance caters to residents of the Somerville area. As an independent insurance agency, it offers a wide range of insurance policies including homeowners' insurance. The company's team of insurance agents works closely with clients to determine the right policy that suits their unique needs, whether it is a basic policy or a comprehensive one. These agents can help protect a client's dwelling and their personal belongings inside the home.

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)
Facebook
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
Flynn Insurance Agency, Inc. logo
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Flynn Insurance Agency, Inc.

92 Main St, Boston, MA 02129
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  • Multiple Policy Types

Business Description

Flynn Insurance Agency, Inc., has been giving homeowners' insurance quotes for the residents of Somerville and other New England communities for more than 36 years. The agency offers standard homeowners' insurance, which can be extended through special endorsements for water backup and ordinance coverage. It also offers policies for condominium unit owners and rental property tenants. As an independent agency, the firm allows clients to select the specific products and coverages that they need from multiple 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.
4.7
Google
4.6 / 5 (24)
Facebook
5.0 / 5 (11)

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
Fucillo & Sasso Associates Insurance Agency logo
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Fucillo & Sasso Associates Insurance Agency

599 Cambridge Street, Cambridge, MA 02141
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  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Business Description

Fucillo & Sasso Associates Insurance Agency covers homeowners in Somerville. The company offers different insurance plans for clients living alone, with parents, or with several family members. Its agents help them find a policy that covers general risks like accidents or injuries. It also helps clients in filing claims and talking with insurance carriers to be properly compensated. The family-owned agency was established in 1990 and offers other insurance plans for life, for cars, and for different businesses.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Garrett-Lynch insurance Agency logo
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Garrett-Lynch insurance Agency

411 Highland Avenue, Somerville, MA 02144
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  • Renter's Insurance
  • Multiple Policy Types

Business Description

Garrett-Lynch Insurance Agency is a Somerville independent insurance agency that has been serving its community since 1934. The agency offers homeowners insurance to help their clients protect their homes financially against disasters like fire or theft. Additionally, the company offers other insurance products, including auto, renters, business, and life insurance. Garrett-Lynch Insurance represents several insurance providers such as Arbella Mutual Insurance, MAPFRE, Norfolk & Dedham Insurance. CNA Surety, Mass Property Insurance, and The Quincy Mutual Group. Garrett-Lynch Insurance Agency has been recognized by the Reader’s Choice Awards three times as the best insurance agency in its community.

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
4.4 / 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
H.J.Wiseman Insurance Agency Inc. logo
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H.J.Wiseman Insurance Agency Inc.

415 Highland Avenue, Somerville, MA 02144
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  • Multiple Policy Types

Business Description

H.J. Wiseman Insurance Agency Inc. is a family-owned and family-operated insurance agency located in Somerville that has been serving the community in the area for more than five decades. The agency offers homeowners' insurance policies that can help property owners protect their assets against losses. H.J. Wiseman Insurance Agency Inc. represents several insurance providers such as Safety Insurance, Travelers, CNA Surety, Mass Property Insurance, and The Hingham Group, giving homeowners more policy options to choose from.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
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
Marchionne Insurance logo
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Marchionne Insurance

506 Main Street, Medford, MA 02155
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  • Flood
  • Renter's Insurance
  • Condos

Business Description

Marchionne Insurance is an independent insurance agency serving clients in the Medford, Woburn, and Somerville areas. The agency evaluates the individual needs of clients and offers a variety of insurance products and rates from home, auto, life to business insurance policies. The homeowners' insurance policy helps clients protect their homes or condominiums from unexpected losses. Marchionne Insurance has also worked with business owners, both large and small, to protect their livelihoods through coverages such as general liability, commercial auto, property, workers compensation, and more.

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
4.2 / 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
Metro Boston Insurance Agency logo
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Metro Boston Insurance Agency

300 Eastern Avenue, Chelsea, MA 02150
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  • Earthquake
  • Condos
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers
  • Flood

Business Description

Metro Boston Insurance Agency is an independently owned and operated insurance company that has been working with the Somerville community for over 30 years. The company offers basic protection plans for clients' homes that involve liability, structure, and belonging coverage. It also has specialty packages that include flood and earthquakes coverage, as well as animal liability. Metro Boston Insurance Agency also sells boat and watercraft, RV, automobile, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (61)

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
Philbin Insurance Group logo
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Philbin Insurance Group

629 Broadway, Everett, MA 02149
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  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Condos

Business Description

Philbin Insurance Group is an insurance agency that offers insurance packages for both individuals and businesses in the Somerville area. One of the packages it sells for individuals is homeowners insurance, which covers clients' homes and contents in the event of natural disasters and theft. Its homeowners plans also cover the cost of medical care for individuals who were hurt on the property. Additionally, the agency sells packages for cars and 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.
4.2
Facebook
5.0 / 5 (9)
Google
3.8 / 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
Ralph J. Galante Insurance Agency, Inc. logo
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Ralph J. Galante Insurance Agency, Inc.

1939 Massachusetts Avenue, Cambridge, MA 02140
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Condos

Business Description

Ralph J. Galante Insurance Agency, Inc., services the residents of Somerville through its insurance specialists. This firm works with multiple insurance companies, including Chubb, Philadelphia, One Beacon, and Zurich, to ensure homeowners obtain adequate insurance coverage for their investments. This financial coverage includes protection for losses or damages associated with their possessions and homes. President and founder Ralph J. Galante is a licensed insurance advisor who has provided assistance to clients since 1954.

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
4.3 / 5 (15)
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
Risman Insurance Agencies logo
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Risman Insurance Agencies

689 Fellsway Route 28, Medford, MA 02155
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  • Renter's Insurance
  • Multiple Policy Types
  • Earthquake
  • Condos

Business Description

The Risman Insurance Agencies has been meeting the insurance needs of clients in the Medford and Somerville areas since 1925. Its homeowners insurance is designed to cover any damages a house might incur from unanticipated events. The policies also include liability coverage, which covers the cost of repair or replacement of another person's property in case it's damaged within the client's property. Additionally, it covers financial losses to the house due to fire, wind, hail, and theft.

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
4.8 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
S.B. Goddard & Son Co logo
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S.B. Goddard & Son Co

7 Winn Street, Woburn, MA 01801
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  • Condos
  • Renter's Insurance
  • Multiple Policy Types

Business Description

S.B. Goddard & Son Co. is a family-owned and operated insurance agency that has been serving the Somerville community for over 130 years. The company sells homeowners insurance to cover clients' primary residences, condos, and mobile and manufactured homes. It also offers insurance packages to cover investment properties with tenants residing in them. Additionally, the company has business insurance policies that protect the business in the event of workplace incidents, crime, and commercial auto accidents.

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
4.6 / 5 (5)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
State Fund Insurance logo
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State Fund Insurance

100 Summer Street, Boston, MA 02110
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  • Multiple Policy Types

Business Description

State Fund Insurance provides homeowners around the Somerville area with insurance coverage for their homes and personal belongings. State Fund's agents offer various policies from different insurance providers to help clients choose what fits their needs the most. Homeowners' insurance usually covers the costs of replacing, rebuilding, or repairing any damage caused by unforeseen circumstances like fire, hail, theft, or vandalism. They also offer coverage for personal belongings and provide umbrella insurance for other circumstances not covered by regular 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.
4.8
Google
4.8 / 5 (135)

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
WT Phelan Insurance logo
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WT Phelan Insurance

1812 Massachusetts Ave, Cambridge, MA 02140
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Fire
  • Earthquake
  • Condos

Business Description

Established in 1898, WT Phelan Insurance is a family-owned independent insurance agency that helps Somerville residents find the right home insurance for them. Its team of professional agents has access to more than 25 insurance providers in the state and can present various options that match its clients' needs, risks, and budgets. The agency also collaborates with reliable local lenders and attorneys to help their clients close the insurance policy without any delay. WT Phelan Insurance is located in Belmont, Cambridge, Lexington, Watertown, and Woburn.

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 (26)
Google
4.4 / 5 (12)

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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