Insurance in Marshfield, Massachusetts

Why an independent agency

We’re not tied to one insurance company. We work with many standard companies, and we can also reach national specialty insurers that write what the usual companies won’t.

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 many, and we do the comparing.

What we cover in Marshfield

Coastal home insurance

Brant Rock, Ocean Bluff, Green Harbor, Rexhame, Fieldston and the streets behind the seawall. This is where the standard companies get careful. They ask:

• How far you are from the water
• How old the roof is
• What the wind deductible should be
• Whether the house is raised

Some won’t write your street at all. Many others will, and we write coastal homes with a lot of them, including national specialty insurers. 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. The FAIR Plan, explained.

Flood insurance

Homeowners insurance doesn’t cover flood — not the ocean, and not the North, South or Green Harbor River coming in. If you have a mortgage on a house in a mapped flood zone, your lender will require a separate flood policy.

Marshfield’s flood maps have changed more than once in recent years, and some addresses moved in or out of the zone. We write flood and can tell you what your address needs.

Summer homes

Many houses near the beaches are summer homes. If yours sits empty all winter, or you rent it out for a few weeks, tell us. A policy written for a year-round owner may not fit. We’ll find one that does.

Home insurance inland

Marshfield Center, Marshfield Hills, North Marshfield and the neighborhoods off Route 139 have their own questions: an antique house, an oil tank, a renovation the insurance company needs to know about. Replacement cost isn’t what an online estimator guesses. We run the numbers with you.

Boats

Green Harbor, the town moorings, and the North and South Rivers. 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.

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.

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 pool, a dock, a boat or a rental, ask us.

Business insurance

For contractors and trades, the shops and restaurants along Route 139 and at Brant Rock, marine businesses 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, 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: Marshfield, Scituate, Duxbury, Pembroke, Norwell, Hanover, Cohasset, Hull, Rockland, Weymouth, Braintree and Quincy.