2024
Last updated:
Our Recommended Top 15
We did the research for you!
Licensing
User Reviews
Mystery Shopping Calls
Our goal is to connect people with the best local professionals. We scored Worcester Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.
114Reviewed
74Curated
15Top Picks
Learn about our selection process.
Providers
=
Featured Provider
Expertise.com Rating
Review Sources
- 4.5
(14)
Why choose this provider?
Zawada Insurance Agency, Inc. can help preserve properties and belongings for clients in Worcester and the neighboring communities. The homeowners insurance agency guides clients through understanding different insurance policies for homes that were damaged by accidents caused by fires or burglaries. Zawada Insurance Agency, Inc. also aids clients in receiving compensation for loss and new constructions, as well as central fire station discounts. Zawada Insurance Agency, Inc. has been helping protect homes since 1989.
- Renter's Insurance
- Personal Property Insurance
- Flood
Why choose this provider?
Mainstream Insurance Agency, Inc., is an independent insurance firm headquartered in Worcester. It specializes in auto insurance, life insurance, commercial auto, commercial package, commercial liability, and home insurance. Its homeowners insurance policies cover the dwelling and other structures, personal property, loss of use, family and personal liability, medical expense, and scheduled personal property. A range of other personal and commercial insurance products may also be obtained through the agency. Mainstream Insurance Agency provides comparison research and reports for its clients' current coverage and the coverage they require.
- Personal Property Insurance
Expertise.com Rating
Review Sources
- 4.8
(33)
- Yelp
- 4.0
(4)
Why choose this provider?
Founded by Paul F. Cantiani, Cantiani Insurance Agency is a Worcester company that has been providing a wide range of personal and business insurance programs since 1975. One of the insurance programs the company offers is homeowners insurance for first-time home buyers. The company's team of experienced and knowledgeable independent agents helps clients understand the different aspects of homeowners' policies. Cantiani Insurance Agency is a member of the Massachusetts Association of Insurance Agents. The agency is now led by Paul Cantiani Jr.
- Fire
- Multiple Policy Types
- Flood
Expertise.com Rating
Review Sources
- 5.0
(6)
- 5.0
(4)
Why choose this provider?
Manero Insurance Agency has been supplying the Worcester metro area with insurance products and services for more than 60 years. Founded in 1957, the company provides customized homeowners insurance policies to private residence owners. The policy's coverage includes structural damages, broken or lost personal items, and medical expenses for injuries attained by guests. The firm also assists renters in seeking personal property and liability protection. Other offerings include commercial and personal insurance policies. The company represents top-rated insurance carriers in Massachusetts.
- Renter's Insurance
- Multiple Policy Types
- Multiple Carriers
Expertise.com Rating
Review Sources
- 4.8
(35)
- Yelp
- 4.5
(7)
Why choose this provider?
Atchue Insurance is a homeowners insurance agency that serves individual residents and families in the Worcester metro area. Its team of insurance specialists offers home insurance policies that can protect not only the clients' main dwelling and detached structures, but also their personal properties such as appliances, furniture pieces, and other valuable possessions such as jewelry. Other than home insurance plans, the team at Atchue Insurance also provides quotes for auto, business, life, and workers' compensation insurance.
- Renter's Insurance
- Flood
- Condos
Expertise.com Rating
Review Sources
- 4.6
(11)
- 1.0
(1)
Why choose this provider?
Unified Insurance Agency is an independent Worcester insurance agency that has been providing homeowners insurance and other insurance products since 2018. The agency helps potential clients find the best homeowners insurance for their needs and budget. Its agents make sure that the product will be tailored to meet clients' requirements. Unified Insurance Agency works with various insurance providers, such as Bristol West, Embark General, Pilgrim Insurance, Swyft, and Travelers. It serves Foxborough, Springfield, and all of Massachusetts.
- Personal Property Insurance
- Multiple Carriers
- Flood
Why choose this provider?
Herlihy Insurance Group is a homeowners' insurance group protecting Worcester homes for more than 90 years. Coverage includes rented homes to protect possessions when moving in or out; condos to protect a unit's parameters and plumbing in conjunction with association policies; and vacation homes for a customized coverage policy, be it a house on a beach, lakeside, hills, or mountaintop. Herlihy Insurance Group is a Five Star Award of Distinction recipient from the MA Independent Agents Association. It has covered up to 5,500 clients to date.
- Multiple Policy Types
Expertise.com Rating
Review Sources
- 4.1
(15)
- Yelp
- 5.0
(2)
Why choose this provider?
Royal Insurance Agency is a locally owned and operated insurance agency that offers automobile, home, business, and life insurance solutions to clients in the Worcester metro. The company offers comprehensive homeowners' insurance policies that protect properties and belongings from untimely disasters, damages, and losses. Its policies are offered in packages and include homeowners' liability which protects clients from expenses arising from accidents that might happen within the property, as well as damages caused by pets.
- Renter's Insurance
- Multiple Policy Types
- Multiple Carriers
Why choose this provider?
Universal Insurance Agency is an insurance agency in Worcester, with homeowners' insurance as one of its offerings. The company ensures clients that in the unlikely events of vandalism, theft, acts of nature, or fire, their home and possessions are covered for replacements or repairs. Houseguests that suffered from a physical injury due to unexpected events or pet bites can also be covered for medical costs and other liabilities. Universal Insurance Agency is partnered with AIG, Quincy Mutual Group, and several other brands.
- Personal Property Insurance
- Multiple Policy Types
Expertise.com Rating
Review Sources
- 4.8
(19)
- 5.0
(16)
Why choose this provider?
Marc Alkes Insurance provides personal and commercial insurance policies for residents and business owners in Worcester and the surrounding areas. Under personal insurance, the agents discuss the insurance packages selections available for home or condo owners and renters who want to be secured in the unfortunate event of a disaster. The company has access to a wide range of insurance products from different providers such as American Modern Insurance Group, Arbella Insurance Group, and Preferred Mutual Insurance Company.
- Personal Property Insurance
- Multiple Policy Types
Why choose this provider?
Archetype Insurance Group provides personal and commercial insurance to residents and business owners in Worcester and the surrounding communities. The company offers different insurance policies for house or condominium owners, renters, and landlords in order to protect their tangible assets. The agents start with an assessment of the client's needs and the area of the property. The agents then discuss personalized insurance policy options depending on the result of the evaluation.
- Renter's Insurance
- Multiple Policy Types
- Flood
Why choose this provider?
Bell & Hudson Insurance Agency Inc. serves clients who need homeowners insurance and assists them with the purchase process as well as everything afterward. It can analyze the risk involved with each property and provide clients with quotes for insurance coverage offered by a variety of carriers. It also assists clients with filing claims when their assets do take damage. Bell & Hudson Insurance Agency Inc. offers other types of personal insurance too, such as vacant property insurance.
- Renter's Insurance
- Multiple Policy Types
- Condos
Expertise.com Rating
Review Sources
- 4.7
(714)
- Yelp
- 3.5
(3)
Why choose this provider?
A-Affordable Insurance Agency Inc. has been offering custom insurance policies in Worcester since 1984. The firm's lineup of insurance products includes homeowners, general liability, business, roadside assistance, and condominium insurance. Its team of insurance agents helps homeowners protect their finances and properties through policy coverages that cater to potential expenses and liabilities following disasters and theft. Homeowners insurance also covers damages and losses due to fire, lightning, hail, and other perils mentioned in insurance contracts. Supplemental home coverage includes replacement cost.
- Fire
- Personal Property Insurance
Expertise.com Rating
Review Sources
- 4.6
(7)
Why choose this provider?
A&P Insurance Agency is a Worcester-based company that provides insurance and risk management solutions for individuals and families. Its agents assist clients in selecting the right homeowners' insurance plans that protect properties and their contents from risks like theft, vandalism, injuries, and fire. They also provide insurance policies for renters, condo owners, landlords, and mobile home properties. Other products are auto insurance, recreational vehicle insurance, life insurance, and business and commercial insurance.
- Multiple Carriers
- Multiple Policy Types
Expertise.com Rating
Review Sources
- 4.5
(4)
Why choose this provider?
Robert P. Powers Insurance Agency, Inc., has been in business since 1973, providing individuals, families, and even businesses with insurance policies. The agency works with many major insurance companies to provide homeowners insurance, even offering umbrella policies and unique coverage for vacant properties, rental properties, and valuables and collectibles insurance. The agency also helps clients insure their vehicles, watercraft, electronics, and computers. The company also has policies available for flood damage.
- Flood
- Multiple Policy Types
- Personal Property Insurance
Compare our Top Homeowners Insurance Agencies
Name | Expertise Rating | Address | Promotions | Learn more |
---|---|---|---|---|
Zawada Insurance Agency, Inc. | 131 Millbury Street, Worcester, MA01610 | View More | ||
Mainstream Insurance Agency, Inc. | 704 Southbridge Street, Worcester, MA01610 | View More | ||
Cantiani Insurance Agency | 318 Plantation St, Worcester, MA01604 | View More | ||
Manero Insurance Agency | 617 Mill St, Worcester, MA01602 | View More | ||
Atchue Insurance | 190 Park Avenue, Worcester, MA01609 | View More | ||
Unified Insurance Agency | 1094 Pleasant Street, Worcester, MA01602 | View More | ||
Herlihy Insurance Group | 51 Pullman St, Worcester, MA01606 | View More | ||
Royal Insurance Agency | 42 Lake Ave, Worcester, MA01604 | View More | ||
Universal Insurance Agency | 374 Belmont St, Worcester, MA01604 | View More | ||
Marc Alkes Insurance | 1405 Main St, Worcester, MA01603 | View More | ||
Archetype Insurance Group | 22 Elm St Suite 200, Worcester, MA01608 | View More | ||
Bell & Hudson Insurance Agency, Inc. | 15 Central Street, West Brookfield, MA01585 | View More | ||
A-Affordable Insurance Agency, Inc. | 70 Southbridge Street, Worcester, MA01608 | View More | ||
A&P Insurance Agency | 273 SW Cutoff, Worcester, MA01604 | View More | ||
Robert P. Powers Insurance Agency, Inc. | 10 Institute Road, Worcester, MA01609 | View More |
FAQs
Introduction
Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.
All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.
It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
Canyour home insurance provider in Worcesterinform you that your coverage won't be renewed?
Yes. An insurer in Worcester is not compelled by Massachusetts law to draft or renew your policy. However, if your insurer makes the decision not to extend your policy, they are required to give you at least 45 daysof advance notice before the policy expires. Your insurance provider is not required to give you a notice via certified mail. They must only send correspondence to the mailing address on your policy using first-class mail.
If your home in Worcester has just been broken into but you don't have the sales receipts for the items that were taken, can you still file a claim with your homeowners insurance?
Yes. Insurance companies in Worcester typically accept warranties, credit card receipts, owner's manuals, bills, cancelled checks, videotapes, pictures, and servicing agreements as proof of ownership of the stolen goods if the actual receiptsare unavailable. Because of this, it is advised to think about doing an inventory or videotaping your residence before a loss occurs.
In Worcester, what is the typical price for combined home and auto insurance?
The average price of auto insurance plus house insurance in Worcester is $1,311. Remember that a variety of factors other than geography affect how much house and auto insurance costs. Therefore, when bundling house and auto insurance, make sure that you shop around and think carefully about all of your options.
Does Worcester homeowners insurance cover internet libel?
As long as you include personal injury in the scope of your policy, Worcester homes insurance does, in fact, cover online defamation. Legal costs associated with allegations of slander, libel,or defamation actions that may result from internet defamation would be covered by personal injury insurance. Beyond these situations, personal injury also includes wrongful entry, wrongful eviction, wrongful arrest, malicious prosecution, imprisonment or detention, and other related legal costs.
Does my homeowner's insurance policy in Worcester cover pets?
Yes. When someone is hurt on your land and files suit against you for liability, Worcester homeowners insurance personal liability coverage will protect you by paying for medical costs, any associated legal costs, and settlements. This coverage frequently covers situations where your pets harm someone or something. This holds true even when you're not on your property, such as in a park or a friend's home.
What determines the price of homeowners insurance premium?
The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.
What is the difference between home warranty and homeowners insurance?
Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.
Does Geico offer homeowners insurance?
Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.
How long does homeowners warranty insurance last?
Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.
Does homeowners insurance cover water heaters?
Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.
Are RVs covered under homeowners insurance?
Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.
Do new buyers need owner\'s title insurance on a new home?
There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.
Do owner builders need home warranty insurance?
In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.
Are dogs deaths covered in homeowners insurance?
Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.
Are earthquakes covered in standard homeowners insurance policies?
Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.
Are homeowners insurance and car insurance deductible?
Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.
Are homeowners insurance payouts taxable income?
If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.
How frequent should one change auto or homeowners insurance to another provider?
If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.
What should a homeowners insurance include/cover?
A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.
How much homeowners insurance should someone carry?
How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.
Related Articles
Featured
State Farm Home Insurance Review 2024
Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....
Featured
7 Best Homeowners Insurance Companies of 2024
Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.
Find top Homeowners Insurance Agencies nearby
- Massachusetts
- Newton, MA
- Pawtucket, RI
- Lowell, MA
Other top picks in your area
- Life Insurance in Worcester, MA
- Car Insurance Agency in Worcester, MA
- Health Insurance in Worcester, MA
- Accountants in Worcester, MA