Insurance in Cohasset, Massachusetts

Cohasset is our next-door neighbor. We have written insurance from an office on Whiting Street in Hingham since 1979, and Cohasset homes, cars and boats are a regular part of what we do. Not a call center, not a franchise with a South Shore zip code — an independent agency a few minutes down Route 3A. If you want to sit down with someone about a policy, call or email and we’ll set a time.

What being independent means for you

We are not tied to one company. We represent a number of carriers, so when your renewal comes in higher than you expected, we can shop it without you starting over somewhere else. A captive agent has one price to offer you. We have several, and we do the comparing.

What we write in Cohasset

Coastal home insurance

Cohasset is where carriers get particular. Anything on Jerusalem Road, Atlantic Avenue, around the harbor, Sandy Beach or Black Rock raises questions a website will not ask you: wind and hurricane deductibles, distance to the water, the age of the roof, and whether you need a separate flood policy through the National Flood Insurance Program. Some of the standard companies will not write within a set distance of the shore at all. We know which ones will.

When the standard market says no

When a coastal home is declined, there is still the Massachusetts FAIR Plan (MPIUA). We write it, we know its rules, and we can tell you plainly whether it is the right fit or just the only one available this year.

Home insurance in the village

The older homes around the Common, on Elm Street and off South Main have their own questions — antique construction, knob-and-tube, an oil tank, a renovation the carrier needs to know about. Replacement cost on a Cohasset home is not what an online estimator guesses. We run the numbers with you.

Boats

Sailboats and powerboats at the yacht club, the town moorings and the marina. A boat policy is separate from your homeowners, and the right one depends on the size of the boat, where it is moored and where it is stored for the winter.

Auto insurance

Massachusetts auto is its own world — the state’s rating rules, the Safe Driver Insurance Plan, and the registry paperwork that comes with buying or selling a car. Ask us before you sign anything at a dealership. We will tell you what the policy has to say and what the registry will want.

Umbrella

A million dollars of extra liability over your home, auto and boat costs less than most people guess. If you have teenage drivers, a pool, a dock or a boat, ask.

Business insurance

Contractors, trades, restaurants, shops in the village and professional offices. General liability, property, workers’ compensation, commercial auto, and the certificates of insurance your general contractor wants the same afternoon.

Life insurance

Term and permanent, for young families and for estate planning.

The part people actually call us about

Certificates, ID cards, a lender needing proof of insurance before a closing, a registry form, a claim after a nor’easter. The service, not the sale. That is what forty-seven years on the South Shore buys you: we already know your account when you call.

Towns we serve

Our office is in Hingham. We also write throughout the South Shore: Cohasset, Hull, Scituate, Norwell, Rockland, Weymouth, Hanover, Pembroke, Marshfield, Duxbury, Braintree and Quincy.

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