Insurance in Hingham, Massachusetts
We’ve written insurance from our office on Whiting Street in Hingham since 1979. We’re not a call center or a franchise with a Hingham zip code. We’re an independent agency right here in town. Want to sit down with someone about a policy? Call or email and we’ll set a time.
What our clients say.
“I have worked with Lawless for over 20 years and they have helped us with Auto. Home and Boat insurance. They are responsive, helpful and caring. We no longer live in the area but will continue to use Lawless because of the great service and pricing.”
“…Brian gives personalized service, an ease of finding quotes and always the best options and rates. Our whole family uses Lawless Insurance and you should too.”
“Brian was super helpful with my auto insurance. I really appreciated his expertise and guidance throughout the process.”
“Brian and his family are top notch professionals that go above and beyond to provide quality service! If you’re looking for trust worthy and reliable service look no further!”
Why an independent agency
We’re not tied to one insurance company. We work with many. When your renewal comes in higher than you expected, we shop it for you, and you don’t have to start over somewhere else.
A captive agent has one price to offer. We have several, and we do the comparing.
What we cover in Hingham
Home insurance
Hingham has homes an online quote form handles badly:
- Antique homes off Main Street
- Renovated capes
- Houses close enough to the water that insurance companies get particular
We place homes like these every week.
More on home insurance in Hingham ›
Coastal and flood
Homes near the harbor, Crow Point, World’s End or the Weir River raise questions a website won’t ask:
- The wind deductible
- Distance to the water
- Whether you need a separate flood policy through the National Flood Insurance Program
We write coastal homes with many companies, including national specialty insurers, and we shop your house across them. If a house doesn’t fit any of them, there’s still the Massachusetts FAIR Plan (MPIUA).
Auto insurance
Massachusetts auto insurance has its own rules: the state’s rating rules, the Safe Driver Insurance Plan, and the Registry paperwork when you buy or sell a car. Ask us before you sign anything at a dealership. We’ll tell you what the policy has to say and what the Registry will want. Our car-buying guide lists the paperwork and the order to do it in.
Condo and renters
Hingham Shipyard, Lincoln Street and the newer buildings. Condo owners often learn at claim time that the master policy covers less than they thought. We read the master deed with you.
Umbrella
A million dollars of extra liability on top of your home and auto costs less than most people think. If you have teen drivers, a pool or a boat, ask us.
Business insurance
For contractors, trades, restaurants, retail and professional offices. General liability, property, workers’ compensation and commercial auto, plus the certificate of insurance your general contractor wants the same afternoon.
Life insurance
Term and permanent, for young families and for estate planning.
Everyday help
Most calls aren’t about buying a policy. They’re about:
- Certificates of insurance
- ID cards
- Proof of insurance for a lender before a closing
- Registry forms
- Claims
We’ve been in Hingham since 1979, so we already know your account when you call.
Towns we serve
Hingham first — it’s where we are. We also cover the whole South Shore: Cohasset, Hull, Norwell, Scituate, Weymouth, Rockland, Hanover, Pembroke, Marshfield, Duxbury, Braintree and Quincy.
Questions we hear from Hingham clients
Do you insure older homes and homes near the water?
Yes. Antique homes and houses near the harbor are a big part of what we do in Hingham. We shop them across several companies, including specialty insurers. If none of them fits, there’s the Massachusetts FAIR Plan.
Do I need flood insurance?
A home policy doesn’t cover flood. Near the water, your lender may require a flood policy. Even if it doesn’t, it’s worth a look. We can quote flood through the National Flood Insurance Program.
My renewal went up. Can you help?
Yes. Send us your renewal and we’ll shop it with the other companies we work with. You don’t have to start over anywhere.
How fast can I get a certificate or an ID card?
Usually the same day. Use our certificate request form, or email us.
Can I come to the office?
Yes, by appointment. We’re at 13 Whiting Street, Monday to Friday, 9 to 3. Email or call and we’ll set a time.
What’s the best way to reach you?
Email is fastest: LawlessAgency@Gmail.com. You can also call 781-749-8386.
Get a quote · Already a client and need a certificate? Request one here.
Talk to us.
781-749-8386 LawlessAgency@Gmail.comVisit
13 Whiting Street
Hingham, MA 02043
Monday to Friday, 9 am to 3 pm
Visits by appointment
Do you have enough coverage?
Ask yourself: if your insurance company issued a check for the coverage amount on your policy, would it be enough to rebuild your home and protect everything you’ve worked for?
- Check local construction costs. Materials and labor change over time. Make sure your coverage would fully rebuild your home today.
- Don’t forget flood coverage. Standard homeowners policies don’t cover floods, and flooding can happen outside flood zones too.
- Protect beyond the basics. An umbrella policy adds protection when a lawsuit or claim goes past your home or auto limits.
- Review and update when needed. Your policy should reflect your needs. If your limits are too low, we’ll help you explore your options.
We cannot make changes to your policy without your express consent.