Insurance in Scituate, Massachusetts

Scituate is fifteen minutes down Route 3A from our office on Whiting Street in Hingham, where we have written insurance since 1979. Not a call center, not a franchise with a South Shore zip code — an independent agency that has been placing Scituate homes, cars and boats for decades. If you want to sit down with someone about a policy, call or email and we’ll set a time.

What being independent means for you

We are not tied to one company. We represent a number of carriers, so when your renewal comes in higher than you expected, we can shop it without you starting over somewhere else. A captive agent has one price to offer you. We have several, and we do the comparing.

What we write 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 of them raises the questions a website quote never asks — distance to the water, the age of the roof, the wind deductible, and whether a company writes on your street at all. Some will not. We know which ones will, and we shop them. Read more: Why won’t anyone insure my coastal home?

When the standard market says no

There is still the Massachusetts FAIR Plan (MPIUA). We write it, we know its rules, and we can tell you plainly whether it is the right fit or just the only one available this year. The FAIR Plan, explained.

Flood insurance

Homeowners insurance does not 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 requires.

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 carrier needs to know about. Replacement cost on a Scituate home is not 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 policy is separate from your homeowners, and the right one depends on the size of the boat, where it is moored and where it winters.

Auto insurance

Massachusetts auto is its own world — the state’s rating rules, the Safe Driver Insurance Plan, and the registry paperwork that comes with buying or selling a car. Ask us before you sign anything at a dealership. What the registry wants.

Umbrella

A million dollars of extra liability over your home, auto and boat costs less than most people guess. If you have teenage drivers, a pool, a dock or a boat, ask.

Business insurance

Contractors and trades, the restaurants and shops in the harbor and at Greenbush, marine businesses, professional offices. General liability, property, workers’ compensation, commercial auto, and the certificates of insurance your general contractor wants the same afternoon.

Life insurance

Term and permanent, for young families and for estate planning.

The part people actually call us about

Certificates, ID cards, a lender needing proof of insurance before a closing, a registry form, a claim after a nor’easter. The service, not the sale. That is what forty-seven years on the South Shore buys you: we already know your account when you call.

Towns we serve

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

Contact us today for a quote  ·  Already a client and need a certificate? Request one here.