Insurance in Hanover, Massachusetts

Hanover is straight down Route 53 from our office. Whiting Street in Hingham is Route 53, and we have written insurance there since 1979. Not a call center, not a franchise with a South Shore zip code — an independent agency one road away. 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 work with a number of standard companies. Through surplus lines, we can also reach national insurers that write what the standard companies won’t. When your renewal comes in higher than you expected, we shop it without you starting over somewhere else. A captive agent has one price to offer you. We have many, and we do the comparing.

What we write in Hanover

Home insurance

Hanover homes run from antique houses around Hanover Center and Four Corners to newer subdivisions. An older house raises questions about wiring, heating and an oil tank. A newer, larger one raises questions about value — what it would actually cost to rebuild, which an online estimator often gets wrong. We go through it with you.

Along the rivers

The North River runs along the east side of town and the Indian Head River along the south. Houses near the rivers and marshes can sit in a mapped flood zone miles from the ocean. Homeowners insurance does not cover flood. If you have a mortgage, your lender may require a separate flood policy. We write flood and can tell you what your address requires.

Auto insurance and teenage drivers

Route 3 runs through the middle of town and there is no train station. In Hanover, you drive. Adding a teenage driver is one of the biggest changes a family sees on its auto bill. Call us before your son or daughter gets a license, and we’ll show you the cost before it arrives. Buying or selling a car comes with registry paperwork. What the registry wants.

Umbrella

A million dollars of extra liability over your home and auto costs less than most people guess. Teenage drivers, a pool, a rental property — that is what an umbrella is for.

Condo and renters

Condo owners often find out at claim time that the association’s master policy covers less than they thought. We read the master deed with you. Renters insurance is inexpensive and takes one phone call.

Business insurance

The businesses along Route 53 and around Hanover Crossing and Merchants Row — retail, restaurants, contractors and trades, medical and professional offices. General liability, property, workers’ compensation, commercial auto, and the certificates of insurance a landlord or 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 storm. 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: Hanover, Norwell, Rockland, Pembroke, Marshfield, Scituate, Cohasset, Hull, Weymouth, Duxbury, Braintree and Quincy.

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