Insurance in Scituate, Massachusetts
Scituate is fifteen minutes down Route 3A from our office on Whiting Street in Hingham, where we’ve written insurance since 1979. We’re an independent agency that has placed Scituate homes, cars and boats for decades, not a call center. Call or email and we’ll set a time to sit down.
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 Scituate
Coastal home insurance
Scituate is where the standard companies get careful: the Cliffs, Sand Hills, Minot, Cedar Point, Humarock and the houses along the harbor. Every one raises questions a website quote never asks:
- Distance to the water
- The age of the roof
- The wind deductible
- Whether a company writes on your street at all
Some won’t. Many others will, and we write coastal homes 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. The FAIR Plan, explained.
Flood insurance
Homeowners insurance doesn’t cover the ocean or the North River coming in. If you have a mortgage on a house in a mapped flood zone, your lender will require a separate flood policy. We write them and can tell you what your address needs.
Home insurance inland
Greenbush, North Scituate, the neighborhoods off Route 3A and the Driftway have their own questions: antique construction, an oil tank, a renovation the insurance company needs to know about. Replacement cost on a Scituate home isn’t what an online estimator guesses. We run the numbers with you.
Boats
Scituate Harbor, the yacht club, the town moorings and the marinas. 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 or a boat, ask us.
Business insurance
For contractors and trades, the restaurants and shops in the harbor and at Greenbush, 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: Scituate, Cohasset, Hull, Norwell, Weymouth, Rockland, Marshfield, Hanover, Duxbury, Braintree and Quincy.
Questions we hear from Scituate clients
Do you insure homes near the water in Scituate?
Yes. Homes near the water are a big part of what we do. 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 in Hingham, 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.