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Directory of renters insurance agents in Spencer, Massachusetts. Verify credentials with the state department of insurance before hiring.
4 agents listed
Updated May 2026
Spencer, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 4 renters insurance agents in Spencer, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
David F. Kelley Insurance Agency, Inc.
154 Main St, Spencer, MA 01562
(508) 885-3794
davidkelleyins.com
HUB International
369 Main St #9, Spencer, MA 01562
(508) 885-9999
hubinternational.com
McGrath Insurance, a Division of Starkweather and Shepley Insurance
130 W Main St, Spencer, MA 01562
(508) 885-6545
starshep.com
Gregson Insurance Agency Inc
369 Main St, Spencer, MA 01562
(508) 248-3800
Renters insurance agents in Spencer Massachusetts help tenants protect their personal property and cover liability risks. Massachusetts law does not require renters insurance but many landlords in Spencer now ask for proof of coverage in lease agreements. An agent can explain how policies cover theft fire and water damage from burst pipes common in older Spencer homes.
What Does a Renters Insurance Agent in Spencer Cost?
In Massachusetts renters insurance typically costs between 15 and 30 dollars per month for 30,000 dollars of personal property coverage. Policies in Spencer may cost slightly less than in Boston but rates vary based on your credit score claims history and the amount of coverage you choose. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does renters insurance cover in Spencer Massachusetts?
Renters insurance typically covers your personal belongings against theft fire smoke and certain water damage. It also includes liability protection if someone is injured in your rental unit. In Massachusetts you can add coverage for expensive items like jewelry or electronics.
Is renters insurance required by law in Massachusetts?
No Massachusetts state law does not require renters insurance. However many landlords in Spencer now include a lease clause that requires tenants to carry a policy. An agent can help you find a policy that meets your landlords requirements.
How do I choose a renters insurance agent in Spencer?
Look for an agent licensed in Massachusetts who has experience with renters policies in Worcester County. Ask about coverage limits deductibles and whether the policy pays replacement cost or actual cash value. A local agent can also advise on risks specific to Spencer such as winter storm damage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.