The top-rated condo insurance agent in Lowell, Massachusetts is A-Affordable Insurance Agency, Inc., rated 4.7 stars across 225 reviews. Other highly rated options include Monica Insurance Agency Inc, Mill City Insurance Inc, Paul A. Balakin Insurance Agency. This directory lists 21 condo insurance agents serving Lowell.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | A-Affordable Insurance Agency, Inc. | 850 Chelmsford St | (978) 970-1500 |
| 2 | Monica Insurance Agency Inc | 11 Mill St | (978) 454-2577 |
| 3 | Mill City Insurance Inc | 493 Westford St | (978) 441-0005 |
| 4 | Paul A. Balakin Insurance Agency | 81 Plain St #1 | (978) 441-3003 |
| 5 | Sharlene Wulleman: Allstate Insurance | 1235 Bridge St | (978) 455-4556 |
| 6 | Francis E. Provencher Insurance | 530 Rogers St | (978) 459-8681 |
| 7 | KK Insurance Agency, Inc. | 508 Westford St | (978) 970-2212 |
| 8 | Action Auto Insurance Agency | 703 Chelmsford St | (978) 441-2800 |
| 9 | Alpha Insurance | 648 Central St | (978) 459-4547 |
| 10 | Angela Westen Insurance | 543 Rogers St | (978) 735-4094 |
A-Affordable Insurance Agency, Inc. in Lowell, Massachusetts serves condo owners and homeowner associations seeking protection for their property and shared building elements. The agency helps these clients understand their personal liability coverage and master policy deductibles. Standard condominium insurance policies offered typically protect interior fixtures, personal belongings, and loss assessment exposures. With a focus on proper valuation, it works to prevent coverage gaps. A-Affordable Insurance Agency, Inc. also assists homeowners in the neighboring Merrimack Valley communities.
Monica Insurance Agency Inc provides comprehensive condo insurance agent services in Lowell, MA, including coverage for personal property, liability protection, and loss assessment. Its maintenance service plans offer assistance with policy reviews and helps in filing claims to ensure proper management of policies throughout the year. The agency’s property portfolio consists largely of single-family homes, apartments, and some multiple-unit residential buildings within the local market.
Mill City Insurance Inc serves the Lowell, Massachusetts metro area as a local condo insurance agent. The agency helps condo owners secure specialized coverage that protects their individual units and personal property. It assists clients in navigating the differences between a master policy and their personal needs. Common services include liability protection and loss assessment coverage for shared building areas. The agency also handles quotes for dwelling property and contents insurance within the region.
Paul A. Balakin Insurance Agency specializes in securing coverage for Lowell condo owners, focusing on the unique needs of those living in multi-unit buildings. It provides general services by helping clients navigate master policy requirements and personal liability protection. The agency also addresses common gaps in coverage for interior upgrades and personal property. Its support becomes especially valuable during Massachusetts winter months, when a condo association’s claim for ice dam damage can leave individuals needing separate loss assessment protection.
Sharlene Wulleman: Allstate Insurance serves homeowners and condo owners in Lowell, Massachusetts, providing coverage tailored to condo association and individual unit owner needs. Their services include protection for interior property, personal belongings, and liability claims. They handle policies that align with master insurance requirements and local regulations. This agent also works with clients in Tewksbury and the greater Greater Lowell metropolitan area.
Francis E. Provencher Insurance serves Lowell, Massachusetts, and the surrounding local communities, handling condo insurance needs for area condominium owners. It addresses standard coverage requirements for individual units, including interior structures and personal property. The agency also manages common liability risks and loss assessments that arise from shared building components. For a typical job, it reviews the specific condo association bylaws and an owner’s policy to ensure protections align correctly with the community’s master insurance framework.
As winter approaches in Lowell, MA, condo owners often need agent guidance on coverage for common-area repairs and frozen-pipe liabilities. KK Insurance Agency, Inc., located in the city, provides tailored condo insurance policies that address these seasonal concerns. The company helps unit owners understand how master policies interact with personal unit needs. Their consultation process begins with a straightforward assessment of the building’s structure, the HOA’s insurance limits, and the owner’s personal property to recommend appropriate coverage levels.
Action Auto Insurance Agency, located in Lowell, MA, differentiates between one-time policy purchases and recurring coverage plans when serving clients requiring condo insurance. Their agents help owners understand building master policy gaps, personal property protection, and liability coverage included in each option. They guide clients through Loss Assessment and special assessments commonly affecting Massachusetts condominium associations. No personal claims history is collected or marketed. All service operates on a scheduled, as-needed basis determined by the client’s renewal cycle or property changes.
Alpha Insurance provides coverage for residential condominium unit owners, addressing building property and personal liability. Its specialty add-ons include loss assessment protection and additional living expense coverage for policyholders in Lowell, Massachusetts. The company structures policies to fill gaps between a condo association master policy and the unit owner's personal interests. Commercial sectors served include office spaces, independent warehouses, and food service operations, each with tailored risk assessments for property and general liability exposures.
Angela Westen Insurance in Lowell, MA, provides residential condo insurance services tailored to individual unit owners. The agency also offers commercial coverage for condominium associations and property managers within the region. Policies are crafted to protect personal belongings, liability, and interior structures not covered by master policies. We serve clients throughout the greater Lowell area and surrounding communities in Middlesex County. The office assists policyholders with adjustments following claims or policy changes, and encourages follow-up appointments between regular seasonal reviews to update coverage as needed.
What Does a a Condo Insurance Agent in Lowell Cost?
Condo insurance in Massachusetts typically costs between 300 and 800 dollars per year for an HO6 policy. Factors like the unit location in Lowell, the age of the building, and your deductible choice affect the premium. Older buildings or those near flood zones may have higher rates. This is general information and not insurance advice.
About condo insurance agents in Lowell
Condo insurance agents in Lowell help owners understand the difference between the master policy and their individual HO6 policy. Massachusetts law requires condo associations to carry a master policy but unit owners need their own coverage for personal property and interior improvements. Agents can explain how the Lowell area flood risks and older building stock affect your insurance needs.
Frequently Asked Questions
What does a condo insurance agent in Lowell do?
A condo insurance agent helps you find an HO6 policy that covers your personal belongings, interior walls, and liability. They also review your association master policy to identify gaps in coverage. Agents licensed in Massachusetts can explain state-specific rules about loss assessment coverage.
Do I need condo insurance if the association has a master policy?
Yes, the master policy typically covers the building structure and common areas but not your personal property or interior upgrades. Massachusetts law does not require unit owners to carry HO6 insurance but most lenders do. An agent can help you choose the right amount of coverage for your unit.
How do I choose a condo insurance agent in Lowell?
Look for an agent licensed in Massachusetts who has experience with condo policies. Ask if they work with multiple insurance carriers to compare rates. Check that they understand Lowell specific risks like older plumbing systems or proximity to the Merrimack River.