The top-rated condo insurance agent in Haverhill, Massachusetts is AAA Haverhill, rated 4.7 stars across 274 reviews. Other highly rated options include MTM Insurance of Greater Haverhill, INC., De La Cruz Insurance Group, James Sarcione: Allstate Insurance. This directory lists 14 condo insurance agents serving Haverhill.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | AAA Haverhill | 308 Main St | (978) 373-3611 |
| 2 | MTM Insurance of Greater Haverhill, INC. | 35 Stage St | (978) 681-5700 |
| 3 | De La Cruz Insurance Group | The Lennox Center, 378 S Main St #1 | (978) 926-3281 |
| 4 | James Sarcione: Allstate Insurance | 16 Granite St | (978) 377-0270 |
| 5 | James Page Insurance | 191 Merrimack St # 306 | (978) 373-3893 |
| 6 | Sullivan Insurance & Financial | 487 Groveland St | (978) 372-2790 |
| 7 | Cowan Insurance Agency | 359 Main St | (978) 372-1451 |
| 8 | Sams Insurance Agency Inc. | 359 Main St Ste 220 | (978) 374-5290 |
| 9 | Fred C. Church, Inc. | Inside Lowell Five, 750 Main St | (800) 225-1865 |
| 10 | Harverhill insurance Agency | 76 Merrimack St | (351) 203-0115 |
AAA Haverhill serves Essex County and the greater Haverhill, Massachusetts area as a local provider of condo insurance. The company works with unit owners to tailor coverage for individual policies that protect interior fixtures, personal belongings, and liability. It also assists in reviewing master association policies to identify gaps in protection. Condo insurance from this agency handles loss assessment coverage and special assessments related to common areas.
MTM Insurance of Greater Haverhill, INC. offers a range of condo insurance services, including policy evaluations, liability coverage, and claims assistance tailored to unit owners. Service plans include regular policy reviews to ensure adequate protection for shared building structures and personal belongings. In the Haverhill, MA area, this agency addresses common concerns such as water damage, loss assessments, and personal property replacement. It services properties including single-family condominium units, multi-unit apartments, retail spaces, and restaurants.
De La Cruz Insurance Group serves Haverhill, Massachusetts, and the surrounding Merrimack Valley communities. It handles policies specifically tailored for condominium unit owners, addressing both interior structure and personal liability coverage needs. The agency works to help clients understand the boundaries between a master policy and individual coverage. To handle a typical job, it reviews the client's existing condo association master policy first, then methodically identifies any gaps in personal property or assessment protection before recommending specific coverage limits.
James Sarcione: Allstate Insurance serves homeowners and property managers seeking condo insurance in Haverhill, Massachusetts. The agency offers coverage plans tailored to protect individual units and shared building structures. Policyholders can discuss liability protection and personal property options during consultations. Condo insurance typically addresses gaps left by master policies. This agency also works with clients in the greater Merrimack Valley region, including communities like Methuen and North Andover.
James Page Insurance in Haverhill, MA, provides condo insurance agents who clarify the difference between a standard dwelling policy and a condominium unit-owners form, ensuring proper coverage for interior structures and personal liability. Clients can select a one-time consultation for a single policy review or recurring service for ongoing risk assessments and policy adjustments as needs change. This agency offers its services on a one-time or scheduled basis, depending on the client’s preference for annual updates.
Sullivan Insurance & Financial specializes in condo insurance policies, covering interior structures and personal liability. It provides general protection tailored to Haverhill residents, addressing common factors for condominium ownership in the area. This includes safeguarding shared responsibility exposures and covering loss assessments from the homeowners association. With New England’s variable weather, the agency advises on policies that include flood and snow-related damage protection for condo units.
As winter storms and nor'easters roll through the Merrimack Valley, Haverhill condo owners face special risks from roof leaks and frozen pipes. Cowan Insurance Agency, a local condo insurance agent in Haverhill, MA, provides policies that cover common-area damage as well as interior unit liability. Agents explain master policy gaps and help condominium associations secure the necessary coverage for building assets and shared amenities. A thorough walk-through of the property is scheduled upon request to confirm unit condition and any prior water damage.
Sams Insurance Agency Inc. specializes in residential condo insurance for Haverhill property owners, covering the unique needs of individual unit policies. The agency also offers commercial coverage for local business properties and condo associations throughout the Haverhill area. Their service focuses on providing clear policy explanations and ensuring proper protection for shared building elements and personal liability. Agents assist clients with coverage adjustments after renovations or assessments, maintaining ongoing support between regular policy review visits. Follow-up consultation is available for policy changes or claim questions.
Fred C. Church, Inc. is a condo insurance agent serving the Haverhill, MA area, known for providing tailored coverage options for individual unit owners and condo associations. The agency helps clients assess policy needs for personal property, liability, and interior structural damage often excluded by master policies. They work to match customers with plans that fit their specific living situation and budget. Their services can include assistance with loss assessment coverage for shared building expenses.
Harverhill Insurance Agency handles condo insurance for property owners in Haverhill, MA, focusing on coverage for interior structures and personal belongings. It can also arrange specialty add-ons, such as loss assessment protection for shared amenities and liability extensions for common areas. The firm serves residential condominium units as well as commercial sectors, including home offices that operate within a unit, warehouse storage facilities on the property, and food service spaces like small café areas in mixed-use buildings.
What Does a a Condo Insurance Agent in Haverhill Cost?
Condo insurance in Massachusetts typically costs between 200 and 500 dollars per year for a standard HO6 policy. Factors like unit location, coverage limits, and deductible choices affect the premium. High value units or those in flood zones may cost more. This is general information and not insurance advice.
About condo insurance agents in Haverhill
Condo insurance agents in Haverhill Massachusetts help owners understand the unique coverage needs for condominium units. Massachusetts law requires condo associations to carry a master policy, but individual unit owners need an HO6 policy to protect personal property and interior improvements. A local agent can explain how the master policy and your personal policy work together.
Frequently Asked Questions
What does a condo insurance agent in Haverhill do?
A condo insurance agent reviews your association master policy and helps you select an HO6 policy that covers gaps. They explain Massachusetts specific requirements like loss assessment coverage and liability protection for your unit.
Do I need condo insurance if the association has a master policy?
Yes. The master policy covers common areas and building structure, but not your personal belongings, interior upgrades, or liability. An HO6 policy from a local agent fills these gaps as required by Massachusetts lending and HOA rules.
How does Massachusetts law affect condo insurance in Haverhill?
Massachusetts General Law Chapter 183A governs condo associations and requires them to maintain a master policy. Unit owners must carry their own insurance for personal property and interior fixtures. An agent can help you match coverage to your specific bylaws.