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.

We’re here to know you and your situation long-term. The goal of Phil Richard Insurance is to save you money and maximize the value of your insurance premium. We’ll help you understand your coverage needs as a MA resident or business owner and customize an insurance policy that protects you adequately. Whether it’s an apartment in Boston, rental property in New Hampshire, or your commercial enterprise, walk away confident knowing your insurance payments are going towards coverage you can rely on in the case of a claim.

Get A Quote

Our agents take the work out of it for you. They’ll gather information, use it to quote with our 10+ insurance carriers, explain your options to you, and take care of the rest once you’re happy with your selection.  Get a quote for your insurance policies today.


Learn More:

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.