The top-rated landlord insurance agent in Ludlow, Massachusetts is The Gomes Agency, rated 4.7 stars across 51 reviews. Other highly rated options include Regina Jasak Independent Insurance, HUB International, Ideal Insurance Agency, Inc.. This directory lists 10 landlord insurance agents serving Ludlow.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Gomes Agency | 364 East St | (413) 610-1223 |
| 2 | Regina Jasak Independent Insurance | 193 Holyoke St | (413) 315-5775 |
| 3 | HUB International | 564 Center St | (413) 583-6424 |
| 4 | Ideal Insurance Agency, Inc. | 187 East St | (413) 589-0901 |
| 5 | Duke Insurance Brokerage, Inc. | 200 Center St STE 15 | (413) 583-2611 |
| 6 | The Dowd Insurance Agencies | 563 Center St #2499 | (413) 538-7444 |
| 7 | James F. Shea & Sons, LLC | 200 Center St STE 6 | (413) 547-8135 |
| 8 | Cunningham Insurance Agency Inc. | 398 East St | (413) 589-1616 |
| 9 | Ideal Insurance a member of Dowd Agencies, LLC | 563 Center St | (413) 589-0901 |
| 10 | Your Choice Insurance Agency | 190 East St | (413) 589-0192 |
The Gomes Agency serves landlord insurance clients in the Ludlow, Massachusetts area and surrounding Hampden County. It specializes in policies for residential rental properties, including single-family homes, duplexes, and small apartment buildings. The agency handles property coverage for structural damage from fire or storm, as well as liability protection for accidents on rental premises. It also assists clients in securing loss-of-rent income policies and optional coverage for vandalism or water damage from tenant activities.
Regina Jasak Independent Insurance offers landlord insurance policies tailored to property owners in Ludlow, Massachusetts. Coverage typically includes protection for rental structures, liability risks, and loss of rental income. The agency assists clients in selecting appropriate plans and navigating claims processes for rental properties. It services a range of property types including single-family homes, apartments, retail spaces, and restaurants.
HUB International serves Ludlow, Massachusetts, and the surrounding communities, handling landlord insurance needs for residential and small commercial rental properties. The agency manages policies that protect property owners from risks like fire damage, liability claims, and loss of rental income. For a typical property, it assesses the coverage requirements by evaluating the building's specifics and the tenant type. HUB International then structures a tailored insurance plan to address the individual exposure and financial concerns of each landlord.
Ideal Insurance Agency, Inc. in Ludlow, MA works with property owners and landlords to secure coverage for rental properties and residential homes. It provides landlord insurance policies tailored to protect income from tenant-occupied units. The agency also assists commercial landlords with broader risks associated with managing multiple dwellings or business spaces. Property managers in the area rely on these straightforward insurance solutions to protect their real estate investments and rental income. Ideal Insurance Agency also serves neighboring Springfield and the surrounding Hampden County communities.
Duke Insurance Brokerage, Inc. offers both one-time policy reviews and ongoing annual service plans for landlord clients in Ludlow, MA, focusing on customized coverage for residential rental properties. These options typically protect against property damage, liability claims, and lost rental income. The brokerage tailors each policy to the specific needs of individual property owners, ensuring adequate protection for their assets. Services are available through scheduled appointments to allow thorough consultation and tailored plan development.
The Dowd Insurance Agencies serves Ludlow, Massachusetts, and the surrounding communities, handling landlord insurance policies for residential and commercial properties in the area. It addresses coverage needs such as property damage, liability, and rental income protection for local property owners. To manage a typical job, it reviews the rental property’s specific risks, then matches those exposures with appropriate policy options from its insurance carriers.
James F. Shea & Sons, LLC in Ludlow, MA specializes in providing landlord insurance policies for property owners. Its general services include helping landlords secure coverage for rental properties, protecting against liability claims, and addressing property damage risks. The company also assists with seasonal concerns such as preparing policies for tenant turnover periods or ensuring adequate coverage for cold-weather pipe bursts and related winter hazards.
As the rainy spring and fall seasons in Ludlow can create sudden maintenance issues for rental properties, Cunningham Insurance Agency Inc. helps property owners protect their investments. The company works with local landlords to assess risks specific to New England’s older building stock. They guide clients through coverage options for property damage, liability, and lost rental income resulting from common regional weather events. A thorough property inspection or initial review of existing policies is typically the first step in building a tailored plan.
Ideal Insurance, operating as a member of Dowd Agencies, LLC, serves as a landlord insurance agent in Ludlow, Massachusetts, handling general and liability property coverages. Its specialty add-ons protect rental portfolios from income loss due to tenant default or property damage. As a local agent, it helps residential landlords evaluate replacement costs and flood risks common in the region. The company's commercial sectors include offices, warehouses, and food service properties.
Your Choice Insurance Agency provides residential landlord coverage for property owners in Ludlow, MA, and the surrounding area. It also offers commercial insurance solutions tailored for those managing larger rental properties or multi-unit buildings. The agency works closely with clients to identify specific risks associated with leasing properties, helping ensure appropriate policy structures remain in place. Regular follow-up service is available to adjust coverage as properties or tenant situations change between routine policy reviews.
What Does a a Landlord Insurance Agent in Ludlow Cost?
The cost of landlord insurance in Massachusetts typically ranges from 15 to 25 percent more than standard homeowners insurance. For a single-family rental in Ludlow, annual premiums often fall between 800 and 1,500 dollars, depending on property value, location, and coverage limits. Multi-unit properties may cost 1,500 to 3,000 dollars per year. Actual rates vary based on factors like property age, claims history, and deductible choices. This is general information, not insurance advice.
About landlord insurance agents in Ludlow
Landlord insurance agents in Ludlow, Massachusetts help property owners protect their rental investments with policies tailored to local needs. Massachusetts law requires landlords to maintain certain safety standards and liability coverage, making it important to work with an agent who understands state regulations. These agents can guide you through coverage options for single-family homes, multi-unit buildings, and apartment complexes in Hampden County.
Frequently Asked Questions
What does landlord insurance cover in Massachusetts?
Landlord insurance in Massachusetts typically covers property damage, liability protection, and loss of rental income. It does not cover tenant personal belongings, which require renters insurance.
Do Massachusetts landlords need liability insurance?
While not legally required by the state, most mortgage lenders and property management companies in Massachusetts require landlords to carry liability insurance. This coverage protects against claims from tenant injuries or property damage.
How can a Ludlow landlord insurance agent help with Massachusetts laws?
A Ludlow agent can explain how Massachusetts lead paint laws, sanitary codes, and eviction regulations affect your coverage needs. They can also advise on flood insurance if your property is in a flood zone near the Chicopee River.
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