Insurance in Hull, Massachusetts

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 Hull

Coastal home insurance

From Pemberton to Kenberma to Allerton, almost every house in Hull is a coastal risk to an insurance company. That includes the beach side of Nantasket Avenue, the bay side, the hill, and the cottages that became year-round homes.

The questions are the same all over town:

• Distance to the water
• The age of the roof
• The wind deductible
• Whether the standard companies will write on your street at all

Many will, and we write coastal homes in Hull with a lot of them. We shop your house across them and bring you the choices. Read more: Why won’t anyone insure my coastal home?

If a house doesn’t fit any of them, there’s still the Massachusetts FAIR Plan (MPIUA). We write that too, and at every renewal we check whether one of our other companies will take the house. The FAIR Plan, explained.

Flood insurance

Homeowners insurance doesn’t cover the ocean coming in. Much of Hull is in a mapped flood zone, and if you have a mortgage, your lender will require a flood policy. We write flood insurance and will tell you what your address needs.

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. Our car-buying guide lists the paperwork and the order to do it in.

Boats

Hull Yacht Club, the town moorings, Pemberton and the marinas on the bay side. A boat needs its own policy, separate from your homeowners. The right one depends on the boat’s size, where it’s moored and where it spends the winter.

Condo and renters

Condo owners often learn at claim time that the master policy covers less than they thought. We read the master deed with you. Renters insurance for an apartment takes one phone call.

Umbrella

A million dollars of extra liability on top of your home, auto and boat costs less than most people think. If you have teen drivers, a boat or a rental unit, ask us.

Business insurance

For the restaurants and shops along Nantasket, contractors and marine trades. General liability, property, workers’ compensation and commercial auto, plus the certificate of insurance someone 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, including after a nor’easter

We’ve been on the South Shore since 1979, so we already know your account when you call.

Towns we serve

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