ADVERTISING DISCLOSURE: BeforeInsuranceUSA.com is an informational directory, not an insurance agency or broker. We do not sell insurance or provide insurance advice. No agent-client relationship is created by using this site. No agent listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Compare condo insurance agents in Spencer. Review contact information and insurance categorys before you decide.
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 condo 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
Condo insurance agents in Spencer Massachusetts help you understand the unique coverage needs for your unit. Massachusetts law requires HO-6 policies to cover gaps between the condo association master policy and your personal property. Local agents can explain how Spencer building codes and regional weather risks affect your premium.
What Does a Condo Insurance Agent in Spencer Cost?
Condo insurance in Massachusetts typically costs between 200 and 500 dollars per year for a standard HO-6 policy. Factors like your unit location deductible amount and coverage limits affect the price. Spencer properties may see slightly higher rates due to local weather risks. 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 a condo insurance agent in Spencer do?
A condo insurance agent helps you choose a policy that covers your personal property liability and unit improvements. They review your association master policy to find coverage gaps. They also advise on Massachusetts specific requirements like loss assessment coverage.
Do I need condo insurance if the association has a master policy?
Yes. Massachusetts condo associations master policies typically only cover the building structure and common areas. You need an HO-6 policy to cover your personal belongings interior walls and liability. Without it you could pay thousands out of pocket for damage inside your unit.
How do Massachusetts laws affect my condo insurance?
Massachusetts General Law Chapter 183A governs condo associations and their insurance requirements. Your agent will ensure your policy meets state minimums for liability and property coverage. The law also requires that you have coverage for special assessments from the association.
Free • No Obligation
Compare Condo Insurance Agents
Get matched with agents in Spencer who handle your type of coverage.
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party insurance marketing service. BeforeInsuranceUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any agent. Your information is collected and handled by the form provider according to their privacy policy.
Notice
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.