Insurance in Norwell, 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 Norwell

Home insurance

Norwell has larger homes on larger lots: colonials and capes on the wooded roads off Main Street, newer houses in the subdivisions, and antique homes around the Common and along River Street.

Here the questions are more about value and detail than about the ocean:

• Replacement cost, which online estimators often get wrong by a wide margin
• Finished basements
• Outbuildings, a pool or a barn
• The age of the roof and the heating system

We run the numbers with you and insure the house for what it would really cost to rebuild.

Along the North River

Homes near the river and the marshes can be in a mapped flood zone, even miles from the ocean. Homeowners insurance doesn’t cover a river coming in. That needs a separate flood policy, and if you have a mortgage, your lender may require one. We write flood 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.

Umbrella

A million dollars of extra liability on top of your home and auto costs less than most people think. Norwell households often have exactly what an umbrella is for: teen drivers, a pool, a boat at a club down the road, a rental property somewhere.

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 is inexpensive and takes one phone call.

Business insurance

For the businesses along Route 53 and at Assinippi, medical and professional offices, contractors, landscapers and 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

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: Norwell, Rockland, Scituate, Cohasset, Hull, Weymouth, Hanover, Marshfield, Pembroke, Duxbury, Braintree and Quincy.