The top-rated condo insurance agent in Lawrence, Massachusetts is A-Affordable Insurance Agency, Inc., rated 4.6 stars across 280 reviews. Other highly rated options include Silverio Insurance Agency, Mill City Insurance, Ruby Insurance Agency. This directory lists 12 condo insurance agents serving Lawrence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-Affordable Insurance Agency, Inc. | 69 Winthrop Ave Unit B | (978) 686-3455 |
| 2 | Silverio Insurance Agency | 10 S Broadway | (978) 685-0209 |
| 3 | Mill City Insurance | 290 Merrimack St #115 | (978) 686-3400 |
| 4 | Ruby Insurance Agency | 46 Stafford St Ste. 2962 | (978) 655-3208 |
| 5 | Walter Insurance | 86 Broadway | (978) 683-3645 |
| 6 | Elite Insurance Agency | 505 Broadway | (351) 207-1321 |
| 7 | Broadway Plaza Insurance Agency | 310 Broadway | (978) 685-3771 |
| 8 | Essex Insurance Agency | 599 Canal St 1w suite 1 | (978) 377-9666 |
| 9 | PEREZ Insurance and Financial Services, LLC | 17 McKinley Ave | (978) 258-5021 |
| 10 | Greater Lawrence Insurance | 510 Essex St | (978) 683-4177 |
A-Affordable Insurance Agency, Inc. in Lawrence, Massachusetts, is known for providing specialized coverage options for individual condo units. The agency helps local homeowners understand and fill the gaps in their master policy’s structural and liability protections. By tailoring each policy to the specific needs of a unit owner, they address both interior damage and personal belongings. A further specialty they offer includes adding coverage for personal liability and loss assessment exposure from the condo association.
Silverio Insurance Agency serves the Lawrence, Massachusetts metro area as a dedicated condo insurance agent. The firm focuses on protecting unit owners against potential property damage, liability claims, and gaps in master policy coverage. Policies commonly address interior structures, personal belongings, and loss assessment fees incurred from shared building repairs. Standard condo insurance also covers additional living expenses during uninhabitable periods. The agency handles policy comparisons for new unit owners and annual coverage reviews for existing condo associations.
Mill City Insurance serves Lynn, Massachusetts, and the surrounding North Shore communities. It handles condo insurance, helping owners protect their individual units and personal property. The agency works to understand each client's specific policy needs regarding interior structures and liability coverage. Their general approach involves reviewing local building rules and assessing potential risks to craft a suitable plan that meets standard condo association requirements.
Ruby Insurance Agency provides a full range of condo insurance services for property owners in Lawrence, Massachusetts. It offers tailored coverage plans that protect individual units and shared building elements. Maintenance plans help clients manage ongoing risk and ensure compliance with association requirements. The agency assists with policy reviews and claims support for local condominium communities. Its client base includes single-family homes, apartments, retail spaces, and restaurants.
Walter Insurance serves homeowners and condo owners in Lawrence, Massachusetts, providing personalized condo insurance solutions. The agency works to secure policies that protect personal property and shared building structures, addressing the unique needs of unit owners in multi-family dwellings. It guides clients through coverage options, including liability and loss assessment protection, to ensure adequate financial safeguards. Serving Essex County, the agency also extends its services to clients in the greater Andover area.
Elite Insurance Agency serves the Lawrence, Massachusetts area as a local condo insurance agent, distinguishing between one-time policy purchases for individual unit owners and ongoing service options for building associations whose coverage needs change over time. Their work focuses on securing appropriate condominium insurance policies that protect both personal property and the shared structural elements of a complex as required by state regulations. Service runs on a scheduled basis throughout the year for annual renewals, as well as as-needed for new unit sales.
Broadway Plaza Insurance Agency serves Lawrence, Massachusetts, and the surrounding communities of Essex County. The agency handles condo insurance, focusing on the specific coverage needs of condominium owners in the area. It works to help clients understand their master policy and secure adequate personal property and liability protection. For a typical job, the agency reviews the client’s building and personal assets to align coverage with the condo association’s master policy and local property requirements.
Essex Insurance Agency specializes in connecting Lawrence condo owners with policies that cover interior structures and personal liability. It works to help clients understand the unique requirements of condo associations and individual unit coverage gaps. The agency handles the task of matching policies to specific living situations found in area buildings. During the winter months, it assists clients in reviewing coverage for potential damage from frozen pipes or ice dams.
PEREZ Insurance and Financial Services, LLC works with property owners to secure coverage that addresses common risks in multi-unit buildings. It specializes in condo insurance, helping clients obtain policies that protect individual units against damage, liability, and common area assessments. The agency serves local clients in Lawrence, Massachusetts, providing customized insurance options that align with specific property types. Its commercial sectors include offices, warehouses, and food service establishments.
As winter approaches in Lawrence, properties face freeze risks and ice dam potential that make Condo insurance essential. Greater Lawrence Insurance helps unit owners review master policy limits and identify gaps in personal property or liability coverage. Their work centers on matching each resident’s exposures to the right individual condo policy, from interior upgrades to loss-assessment protection. An initial assessment of the condo’s layout and building age typically guides their policy recommendations, followed by an inspection of key systems like plumbing and electrical panels before binding any coverage.
What Does a a Condo Insurance Agent in Lawrence Cost?
The average cost of a condo insurance policy in Massachusetts is between 300 and 600 dollars per year for a standard unit. Factors like location in Lawrence unit size deductible and coverage limits affect the premium. Loss assessment coverage and flood endorsement can add 50 to 150 dollars annually. This is general information and not insurance advice.
About condo insurance agents in Lawrence
Condo insurance agents in Lawrence Massachusetts help you understand the unique coverage needs for your unit. Massachusetts law requires condo associations to carry a master policy but individual unit owners must secure their own HO-6 policy. A local agent can explain how the master policy interacts with your personal coverage for walls floors and personal property.
Frequently Asked Questions
What does a condo insurance agent in Lawrence do?
A condo insurance agent reviews your condo associations master policy and helps you buy an HO-6 policy. This policy covers your personal belongings interior improvements and liability. The agent also advises on loss assessment coverage which is important in Massachusetts.
Do I need condo insurance in Lawrence Massachusetts?
Yes most lenders require an HO-6 policy if you have a mortgage. Even if you own the unit outright a condo policy protects you from fire theft water damage and lawsuits. Massachusetts does not require it by law but your association bylaws may mandate it.
How is condo insurance different from renters insurance in Massachusetts?
Condo insurance covers the interior structure and fixtures that you own while renters insurance only covers personal property and liability. In Massachusetts the condo master policy typically covers the building shell and common areas. Your HO-6 policy fills the gaps for your unit.