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Find Condo Insurance Agents Near You in Orleans, MA
Looking for a condo insurance agent in Orleans? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Orleans, 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 3 condo insurance agents in Orleans, 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.
The Baldwin Group (formerly RogersGray)
111 MA-6A, Orleans, MA 02653
(800) 553-1801
baldwin.com
Pike Insurance Agency Inc.
8 Main St, Orleans, MA 02653
(508) 255-7880
Kaplansky Insurance- Orleans Branch
8 Main St, Orleans, MA 02653
(508) 255-7880
kaplansky.com
Condo insurance agents in Orleans, Massachusetts help unit owners understand the coverage gap between a condo associations master policy and your personal belongings. Massachusetts law requires condo associations to carry property insurance on the building structure, but your individual unit improvements and personal liability need a separate HO-6 policy. An agent can explain the specific Orleans flood zone requirements and how the state statute of limitations for property damage claims affects your coverage decisions.
What Does a Condo Insurance Agent in Orleans Cost?
Condo insurance in Massachusetts typically costs between $300 and $600 per year for a standard HO-6 policy with $50,000 in personal property coverage. Flood insurance through the NFIP averages around $700 to $1,200 annually for Orleans properties, depending on elevation and flood zone. Premiums vary based on your unit value, deductible choice, and claims history. This is general information, 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 a condo insurance agent in Orleans do?
A condo insurance agent helps you select an HO-6 policy that covers your personal property, interior fixtures, and liability. They review your condo associations master policy to avoid gaps or overlapping coverage. They also advise on flood insurance requirements for Orleans properties near Nauset Beach or Pleasant Bay.
Do I need flood insurance for my Orleans condo?
Yes, if your condo is in a FEMA-designated flood zone in Orleans, your lender will require flood insurance. Even if not required, agents often recommend it because of the high risk of nor'easters and storm surges on Cape Cod. Standard condo insurance does not cover flood damage.
How does Massachusetts law affect my condo insurance?
Massachusetts General Law Chapter 183A governs condo associations and requires them to insure common areas and the building structure. Your individual policy must cover your unit's interior, personal property, and liability. You have three years from the date of loss to file a property damage claim under Massachusetts law.
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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.