The top-rated condo insurance agent in Beverly, Massachusetts is Sterling Insurance Agency Inc, rated 4.9 stars across 206 reviews. Other highly rated options include Leslie S. Ray Ins. Agency, Inc., Cross Insurance, Archer Insurance Agency. This directory lists 14 condo insurance agents serving Beverly.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sterling Insurance Agency Inc | 186 Cabot St Suite 203 | (978) 922-6600 |
| 2 | Leslie S. Ray Ins. Agency, Inc. | 129 Dodge St | (978) 927-2600 |
| 3 | Cross Insurance | 48 Dunham Rdg Rd #1000 | (978) 922-2288 |
| 4 | Archer Insurance Agency | 271 Cabot St | (978) 922-4600 |
| 5 | MCJ Insurance Agency | 409A Cabot St | (978) 338-4670 |
| 6 | Soucy Insurance Agency, Inc. | 100 Cummings Center #101f | (978) 744-7110 |
| 7 | Duffy Insurance | 50 Dunham Rdg Rd G200 | (978) 969-6207 |
| 8 | Carmen Kimball Insurance | 48 Beckford St | (978) 922-0086 |
| 9 | Universal Insurance Agency | 412 Hale St #350 | (781) 654-8082 |
| 10 | Priority Insurance Massachusetts | 162 Cabot St | (978) 248-8512 |
Sterling Insurance Agency Inc serves the greater Beverly, Massachusetts area as a dedicated condo insurance agent. The agency helps condominium unit owners understand the specific coverage needs that differ from standard homeowners policies. It assists clients in navigating the complexities of master policies and individual dwelling protection. Condo owners rely on this firm to secure appropriate liability coverage and interior structural protection. The agency also handles loss assessment endorsements and personal property coverage for homeowners within the Beverly region.
Leslie S. Ray Ins. Agency, Inc. in Beverly provides a full range of condo insurance services, including personalized policy evaluations and claims assistance. The agency also offers ongoing service plans to ensure coverage keeps pace with changing property values and association requirements. These maintenance reviews help clients adjust deductibles and liability limits as needed. Its team works with a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Cross Insurance, serving Beverly and Essex County, Massachusetts, provides comprehensive condo insurance agent services for local unit owners. The agency helps clients understand standard master policy coverage gaps and structure individual HO6 policies to protect personal property, interior improvements, and liability risks. Condo insurance policies through Cross Insurance can be tailored to cover loss assessments from the homeowners association and umbrella liability. Specific services handled include dwelling coverage for interior fixtures and personal liability protection.
Homeowners and property managers in Beverly, Massachusetts turn to Archer Insurance Agency for their condo insurance needs. The agency provides policies that protect individual units and common area liability, helping clients meet association requirements while safeguarding personal belongings. These plans are tailored to the coastal New England environment, addressing relevant weather-related exposures. Archer Insurance Agency also serves customers in the surrounding communities of Salem and the greater North Shore area.
MCJ Insurance Agency in Beverly, MA differentiates between a single policy purchase and establishing an ongoing account for future needs. They help clients understand how standard condo master policies interact with personal unit coverage, including interior fixtures and liability protection. Their service operates on either a one-time basis for a single policy or as scheduled for annual policy reviews and updates.
Serving the Beverly, Massachusetts area and surrounding North Shore communities, Soucy Insurance Agency, Inc. handles all aspects of condo insurance, including coverage for individual units, personal liability, and common area assessments. The agency focuses on each client’s unique building type and ownership structure, then tailors a policy from local carriers that addresses specific risks. For a typical job, it conducts a thorough review of the condo association’s master policy to avoid gaps and ensure interior coverage aligns perfectly.
Duffy Insurance provides a full range of condo insurance services including coverage for common area damage, liability protection, and individual unit improvements. It offers routine policy reviews and claims assistance as part of its maintenance plans to help residents keep their coverage current. The agency serves properties throughout the Beverly, Massachusetts area including single-family homes, apartments, retail spaces, and restaurants.
Carmen Kimball Insurance specializes in tailoring condo insurance policies to meet the specific needs of unit owners in Beverly. It provides coverage for interior structures, personal belongings, and liability protection. The agency works with residents to navigate the gap between master policies and individual requirements, ensuring personalized attention throughout the process. Each policy is explained clearly to address potential gaps in coverage. The agency helps clients prepare for winter risks, such as frozen pipes or ice dam damage that can affect condominium interiors.
As coastal weather shifts through the seasons in Beverly, the need for precise condominium coverage becomes more apparent for local unit owners. Universal Insurance Agency works with condo residents here to navigate common policy gaps, particularly those between master policies and individual interior responsibilities. The agent explains how loss assessments and personal property limits apply to different unit layouts found in North Shore communities. Every initial consultation begins with a careful review of the building’s master policy, followed by an on-site inspection of the unit to identify specific coverage needs.
Priority Insurance Massachusetts in Beverly, MA assists property owners with general condo insurance coverage. It offers specialized add-ons such as protection for interior improvements, loss assessment coverage, and personal liability extensions. The agency understands that individual condo policies differ from standard homeowners insurance, addressing gaps that building master policies leave. Beyond residential units, the company can serve commercial sectors like offices, warehouses, and food service operations requiring tailored insurance solutions for their specific operational risks.
What Does a a Condo Insurance Agent in Beverly Cost?
Condo insurance in Massachusetts typically costs between $200 and $600 per year for a standard HO-6 policy. Factors that affect price include the unit location, coverage limits, deductible amount, and your claims history. Coastal areas like Beverly may see higher premiums due to storm risk. This is general information, not insurance advice.
About condo insurance agents in Beverly
Condo insurance agents in Beverly Massachusetts help unit owners understand the unique coverage needs for their property. Massachusetts law requires HO-6 policies that fill gaps left by the condo association master policy. Local agents can explain how the state statute of limitations for property claims affects your coverage decisions.
Frequently Asked Questions
What does a condo insurance agent in Beverly do?
A condo insurance agent helps you choose an HO-6 policy that covers your personal property, interior walls, and liability. They review your association master policy to identify gaps in coverage. They also advise on Massachusetts specific requirements like loss assessment coverage.
How is condo insurance different from homeowners insurance in Massachusetts?
Condo insurance covers only the interior of your unit and your personal belongings, while homeowners insurance covers the entire structure. In Massachusetts, condo owners need a policy that aligns with the master policy provided by the association. An agent can explain the difference between bare walls and all-in coverage.
Do I need flood insurance for my Beverly condo?
Flood insurance is not included in standard condo policies and may be required if your unit is in a FEMA flood zone. Beverly has coastal areas that may require separate flood coverage. An agent can help you assess your risk and find a policy through the National Flood Insurance Program.
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