Home Insurance Quotes In Massachusetts

Your Trusted MA Homeowner Insurance Company

Your home is your most valued asset, a roof over your family’s head, and a place of growth, celebration and comfort. Protecting your home and the people who live there with the right homeowners insurance policy is essential to providing security for today and the days ahead.

Whether you own or rent your home, or live in a condo or mobile home, our experienced agents will make sure you have the right policy to cover the structure of your home and the contents within it. In the event of disaster or accident, your homeowners insurance policy will also provide liability coverage and additional living expenses for your family.

We are fully trained and licensed in Massachusetts and most New England states to find the homeowners insurance policy tailored to meet your specific needs. Our insurance agency on the North Shore, having served Peabody, Danvers, Beverly, Salem and beyond for over two decades, can help guide you in the right direction when choosing your homeowners insurance. Please don’t hesitate to contact us with any questions.

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At Phil Richard Insurance, we don’t believe in wasted time or money. If you're here, you're looking for savings, advice, and options. We provide all three. Please fill out the form below and someone will be in touch with you shortly.

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Homeowners Insurance Key Facts

Most standard homeowners insurance covers four elements: your home’s structure, personal belongings, liability protection and additional living expenses. Coverage options exist depending on the level of protection you want, and whether you own or rent your home.
If you finance the purchase of your home with a mortgage, your lender will require you to get homeowners insurance. Financial institutions may also require you to obtain flood or earthquake insurance depending on the region where you live.
If you own a second home or vacation home, your insurance costs will be determined by factors such as: location, type of property, and any extra amenities you own that may add risk.

Are you in need of flood insurance as well? Click here.

Frequently Asked Questions

I just purchased my first home. How much homeowners insurance should I have?

This is one of the most frequently asked questions we see, and the real answer is, “It depends.” There are so many factors that go into how much homeowners insurance you should have. In general, as long as you have your policy written and insured at Replacement Cost you are off to a good start. Determining the necessary amount of insurance appropriate for your home is something that both you and your agent will discuss allowing you to choose the appropriate level of protection.

How does Actual Cash Value (ACV) affect a homeowners’ insurance claim?

ACV is a way of valuing a property insurance loss after a claim. In the event of a loss, if you have an ACV policy, depreciation will be taken out of your payment. This means if you have 10-year-old kitchen cabinets with a 20-year lifespan, and the cabinets cost $10,000 to replace, you would get a check for $5,000 form the insurance carrier, half of the replacement value. ACV policies cost less than Replacement Cost policies, but the penalty when you have a loss can be severe.

Do I need a separate boat insurance policy or is my boat covered under my home insurance policy?

The proper way to insure a boat is to purchase a separate policy designed specifically for watercraft. Most carriers have boat insurance. Your Phil Richard agent will recommend the right boat policy for you. However any power boat that is 16’ or less and has less than 25 HP is covered for liability only on the standard Massachusetts HO3 policy.

How is condo insurance different from homeowners’ insurance?

The notable difference between these two types of insurance policies is how the dwelling or building is insured. When you purchase a condo, you are purchasing the space inside of the building. The majority of the structure is not yours. Therefore the insurance you purchase does not need to cover the entire building. Additionally, when you own a condo, you will most likely be part of a condo association. Damages and improvements to the building’s exterior or public space may be assessed as part of the association’s coverage.

Home Insurance Service Area

Phil Richard Insurance, located in Danvers, MA, offers Home Insurance services to the North Shore of Massachusetts including but not limited to Danvers, Peabody, Beverly, Salem, Newburyport, Ipswich, Rockport, Gloucester, Marblehead, Swampscott, Amesbury, Georgetown, Lynnfield, Middleton, Hamilton, Wenham, Greater Boston Area, and more. We also serve New Hampshire, Connecticut, and Maine.

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I Just wanted to tell you how much I enjoy working with Jackie Montes. She’s the best! She’s efficient, professional, and always on the ball. It’s a pleasure to deal with her!! She has helped me out tremendously with getting all our insurance requirements for the Compliance Depot (nightmare!) and I can always count on her to get my COI out in a timely manner. I never have to worry about anything when I deal with her.

Excellent staff member!!

Tina W. April 19, 2017

I would like to thank Diane Familigetti for all of her time and prompt service. She is always there to help or answer any questions we may have in a timely manner.

Deanna H. April 19, 2017

Issues, questions & concerns were answered swiftly. rep was very patient& attentive with all my concerns. She went above & beyond to make it an enjoyable phone call. Far from the experience a family member had with Gieco.

Keep up the great customer service. LOVE IT

Betty M. April 19, 2017

Anytime I have an issue or question I receive great service from all the staff!!

Ken K. April 19, 2017

Everyone is so helpful!

Jack M. April 19, 2017

Great staff……

Phillip B. April 19, 2017

Have been a client for over 40 years very professional company we have only had a couple of accidents but Phil and staff have always been very helpful

Gail F. April 19, 2017

Mary Rawson has been a saint dealing with me as I went through a major upheaval.

Bobbi S. April 19, 2017

Diane is amazing.

Karyn A. April 19, 2017

Over the last year my husband and son’s vehicle have been involved in a few accidents. I have had to call/stop by the office to inquire about how or why the claims are not being dealt with on a timely manner. The receptionist, Kat, is always happy to refer me to someone who can get answers for me and that someone is usually Mary. No matter how busy she maybe she’s always takes the time to find the answers I need. She is so pleasant and helpful no matter how many times I stop in. I look forward to speaking with her because I know she will always do her best to get to the bottom of my issues. I truly appreciate the time and energy she affords whenever I stop by. Thank You Mary.

Joanne P. April 19, 2017

From the girl answering the phone to, usually Mary, everyone had been friendly, polite and helpful!

Mary M. April 19, 2017

I always get a prompt & thorough answer to my insurance questions

Penny W. April 19, 2017

Diane Famiglietti has been great to work with and has always been quick to respond to my inquires.

Ernest C. April 19, 2017

Everyone that I have dealt with has been excellent!!!!

Michael F. April 19, 2017

All the account managers I work with are extremely knowledgeable, helpful and courteous

Ed F. April 19, 2017

Thanks for your typical immediate response. The best customer service always!!!

Joe M. April 19, 2017

Mary, I appreciate your help with my auto insurance policy. You are a 5-star person in a 5-star agency.

Eric B. April 19, 2017

You guys are great over there.

Joanne R. April 19, 2017

Phil, Patti, Mary and Jacqui – Can’t begin to thank you enough for your support for our upcoming Jimmy Fund walk honoring our young friend, Emma, who lost her battle with Neuroblastoma.

Your generosity and support this year have been so amazing. You are a role model for better business!

Thanks for all you do.

Patty April 19, 2017

I love that you’re all so helpful and friendly there, thanks so much!

Susan April 19, 2017

I was referred to Phil Richard Insurance from a friend. I wanted a second opinion as I have a number of property and casualty insurance policies. Phil’s team, in particular Cindy, evaluated my needs and came back with recommendations. The insurance companies they proposed were top notch, they suggested some improvements to the coverage relative to what I had, and it was going to cost me less; so I moved all my policies over. I am very happy, look forward to a long relationship, and will be recommending Phil to my friends and clients.

Commercial & Personal Client April 19, 2017