Local Options for Property, Condo, Renters, Car, & Business Insurance

Shopping around for the best insurance policy is no simple feat unless you have the right independent insurance agent to do it for you.

Did you know about your local options?

We’re here for you long-term. The goal of Phil Richard Insurance is to save you money and advise you on how to maximize the value of your insurance premium now and in the future. We’ll help you understand your specific coverage needs as a Massachusetts resident or business owner and customize an insurance policy for you. Whether it’s an apartment in Boston, rental property in New Hampshire, or your small business, walk away confident knowing your insurance payments are going towards coverage and a team you can rely on in the case of a claim. With 10+ companies to quote with, you’ll always have multiple competitive options at no extra cost. Scroll down to learn more, or click the button below to get the right policy for you today.

Are You A City of Peabody Employee?

Grab a hold of your discount! The City of Peabody and Phil Richard Insurance are providing an additional insurance benefit to City of Peabody Municipal Employees. Phil Richard Insurance has teamed up with two of its carriers, Plymouth Rock Assurance and Bunker Hill, to offer City of Peabody municipal staff a discount for home and auto insurance exclusively through PRI.

Each person has their own tastes and needs – we have an insurance policy for each. Savings differ with each person, so our agents always quote with 10+ companies to find the best available rates for you.

Discover how much you can save today.

Property Insurance

Whether you’re a homeowner, landlord, condo owner, or renter, are you due for a coverage review? Or are you a first time home buyer looking for a strong relationship to grow as you do? Our agents are experts in insurance coverage needs of MA and New England homeowners and will guide you in the right direction.

Auto Insurance

It’s easy to get overwhelmed by the number of car insurance options available here in Massachusetts. We carefully explain the alternatives so you can make the most informed and affordable decision. From accident forgiveness to annual mileage discounts, our experienced independent insurance agents will create an all-inclusive auto insurance policy just for you.

Business Insurance

Small business owners, entrepreneurs, and startups need specific insurance coverage to get started off on the right foot. We’ll educate you, and help gear up any commercial insurance needs as your business grows. Work with us to design a coverage plan that’s tailored to your business, and talk to us about any additional business support you may need.

Condo Association Insurance

Condo Associations need Master Insurance Policies that cater to their specific needs. At Phil Richard Insurance, our agents specialize in protecting condominium associations and their tenants. If you’re looking to learn more about some of the most competitive condo association master insurance policy rates in the Massachusetts market, talk to us about a quote today.



27 Garden Street

Unit 1B
Danvers, MA 01923



Office Hours



Monday: 9am – 4:30pm

Tuesday: 9am – 4:30pm

Wednesday: 9am – 4:30pm

Thursday: 9am – 4:30pm

Friday: 9am – 4:30pm

Sat – Sun: Closed




homeowners insurance peabody ma
home insurance peabody ma
business insurance peabody ma