The top-rated condo insurance agent in Danvers, Massachusetts is Daniel J. Guarino Insurance Agency, Inc., rated 5.0 stars across 303 reviews. Other highly rated options include Edgewater Insurance Group, Goodnow Insurance, Phil Richard Insurance. This directory lists 19 condo insurance agents serving Danvers.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Daniel J. Guarino Insurance Agency, Inc. | 99 Rosewood Dr #111 | (978) 777-5820 |
| 2 | Edgewater Insurance Group | 85 Constitution Ln #2B | (978) 979-6592 |
| 3 | Goodnow Insurance | 16 Park St | (978) 774-2620 |
| 4 | Phil Richard Insurance | 27 Garden St #1b | (978) 774-4338 |
| 5 | Angelo Perrina - GEICO Insurance Agent | 150 Andover St | (978) 326-1850 |
| 6 | Salem Five Insurance Services, LLC | 75 Sylvan St Suite B-202 | (978) 977-4884 |
| 7 | Hurley Insurance Agency | 27 Garden St #1b | (978) 777-9394 |
| 8 | John J Doyle Insurance | 85 Constitution Ln #2h | (978) 777-6344 |
| 9 | Circle Insurance Agency, Inc. | 247 Newbury St | (978) 777-7030 |
| 10 | Mutual Insurance Company MA | 80 Newbury St | (978) 252-2911 |
Daniel J. Guarino Insurance Agency, Inc. serves Condo owners in Danvers, MA and the surrounding Essex County area. The company provides specialized condo insurance policies designed to protect individual units against common risks such as fire, water damage, and theft. Clients can discuss coverage options for interior fixtures, personal belongings, and liability protection. Additional services include helping policyholders align their personal coverage with the master policy provided by their condominium association.
Edgewater Insurance Group serves homeowners and property managers in Danvers, Massachusetts with specialized coverage for condominium associations and individual unit owners. The agency works to protect clients from common risks affecting shared buildings, such as water damage and liability claims, while tailoring policies to meet local condominium bylaw requirements. After reviewing each client’s property, it coordinates coverage for common areas and personal belongings. Edgewater also extends its services to property owners in neighboring Peabody.
Goodnow Insurance serves the Danvers, Massachusetts area and surrounding North Shore communities as a dedicated condo insurance agency. The company handles the unique coverage needs of condominium owners, including building improvements, personal property, and liability protection. Because each condo association defines master policy coverage differently, it carefully reviews individual policies to identify gaps that could leave unit owners exposed. To complete a typical job, it takes the time to compare options from multiple carriers, ensuring each client’s specific financial situation and personal assets remain adequately protected.
Phil Richard Insurance, located in Danvers, MA, offers services that differ for a single policy purchase versus ongoing account management. As a condo insurance agent, the company provides coverage for interior fixtures, personal property, and liability protection within a unit owner’s responsibility. Service appointments can be arranged for a one-time initial consultation to tailor a policy. Ongoing support, including policy reviews and claims assistance, typically operates on a scheduled basis rather than solely as an as-needed arrangement.
Angelo Perrina - GEICO Insurance Agent in Danvers, MA, provides comprehensive condo insurance services including coverage for interior structures, personal property, and liability protection. Service plans can be customized to address the specific needs of individual unit owners and condominium associations. Maintenance and policy review options are offered to help clients adjust coverage as property values change. The agency services single-family homes, apartments, retail spaces, and restaurants needing tailored condo insurance solutions in the local area.
Salem Five Insurance Services, LLC offers specialized condo insurance guidance for unit owners in Danvers, MA. Its agents help clients understand master policy coverage gaps and secure tailored protection for personal property, liability, and interior improvements. The agency also assists with general homeowners insurance needs for single-family dwellings and rentals in the area. When winter storms cause interior water damage from roof ice dams, the company can help review existing policies to ensure adequate rebuilding coverage is in place.
As the New England winter approaches, condominium owners in Danvers, MA, often face the risk of frozen pipes or ice dam damage. Hurley Insurance Agency helps local residents manage these specific exposures by carefully reviewing master policy coverage gaps and personal liability needs. Their service includes identifying whether interior water backup or loss assessment protection is adequate for individual unit owners. The initial step typically involves a thorough inspection of the unit and common area exposures to ensure tailored coverage recommendations.
John J Doyle Insurance works as an agency in Danvers, MA, offering property coverage for local homeowners and renters. Its specialty add-ons include tailored condominium policies that address shared building exposures and individual unit contents. For local condo owners, the agency can provide loss assessment protection and personal liability endorsements within standard dwelling forms. The commercial sectors it can serve include small offices, warehouses, and food service establishments in the greater Danvers area.
Circle Insurance Agency, Inc. in Danvers, MA provides residential condo insurance services to local homeowners, ensuring proper coverage for individual units and shared building elements. The agency also offers commercial insurance solutions and serves clients throughout the North Shore region. Their professionals understand specific condo-by-law requirements and common area liabilities common to associations. They regularly conduct policy reviews with existing clients to adjust for renovations or market changes, encouraging repeat service between annual visits to maintain adequate protection.
What Does a a Condo Insurance Agent in Danvers Cost?
Condo insurance in Massachusetts typically costs between $300 and $600 per year for a standard HO6 policy. Factors like your unit location in Danvers, coverage limits, and deductible amounts affect the price. Loss assessment coverage and personal property value also change the premium. This is general information, not insurance advice.
About condo insurance agents in Danvers
A condo insurance agent in Danvers Massachusetts helps you understand the specific coverage needed for your unit. Massachusetts law requires condo associations to carry a master policy, but unit owners need their own HO6 policy for interior walls, personal property, and liability. Working with a local agent ensures your policy aligns with Danvers by-laws and the Massachusetts condominium act.
Frequently Asked Questions
What does a condo insurance agent in Danvers do?
A condo insurance agent reviews your master policy and helps you choose an HO6 policy. They explain Massachusetts condo insurance laws and make sure you have enough coverage for your unit.
Do Massachusetts condo owners need their own insurance?
Yes. Massachusetts law does not require unit owners to have insurance, but most lenders do. An HO6 policy covers your personal property, interior improvements, and liability. It also provides loss assessment coverage if the master policy deductible is high.
How does the master policy affect my condo insurance in Danvers?
The master policy covers the building structure and common areas. Your agent will check if it is an all-in or bare walls policy. This affects what you need to insure inside your unit. Massachusetts law lets associations set deductibles, so your HO6 policy should cover that amount.
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