Andrews Insurance

2016-10-23 09:31:56 EST .

Call now for Massachusetts Home Owner's Insurance
Moving into the Massachusetts or New Hampshire area, we will help with all your insurance needs. See for your self why people say we have the best and friendly service.

Welcome to Andrews Insurance.



For your convience, please use this section for an online Home Insurance quote.

Please call for immediate friendly service for your Massachusetts & New Hampshire Home Owners Insurance.

Andrews Insurance can provide proper insurance coverage for your home in Massachusetts.
Ask how we can save you up to an addition 15% off your premium.
Be sure to ask about a Personal Umbrella Policy.
(978) 373-5550

Home owners insurance Q&A

Q) My home was just appraised for $500,000, why is my insurance coverage only $300,000.

A) Your home owners' policy only covers the replacement of your house.  Land does not need coverage as it is not destroyed during a loss event (fire, hurricane, etc.).

Q) What needs to be scheduled on my Home Owners' Insurance for proper coverage?

A) This depends on server factors.   As general rule the following should be discuss with your agent:

  • Stamp & Coin Collections
  • Antiques
  • Guns
  • Jewelry, usually over $1000 in value
  • Fine Arts
  • Furs
  • Special collections (Hummels, Fine Crystal, memorabilia, etc)

Q) How can I prove what items I have in my home if anything every happens?

A) We recommend that you video tape the contents of your home.  It is important to store a copy of that tape off site.

Q) Is it important that I let my insurance company know when I refinance my house?

A) YES! Finance companies require proof of insurance & we their address on-file.  Also, if a claim is filed, the check will be in your old finance companies name and un-cashable.

Q) What does the Identity Theft endorsement cover?

A) This covers the cost (up to the policy limit) of repairing your credit and a good name.  It doesn't cover the actual fraudulent debt.

Q) What is an Umbrella Policy?

A) From WikiPedia it is defined as: "Umbrella insurance refers to a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies. It is distinguished from excess insurance in that excess coverage goes into effect only when all underlying policies are totally exhausted, while umbrella is able to "drop down" to fill coverage gaps in underlying policies.[1] Therefore, an umbrella policy can become the primary policy "on the risk" in certain situations. The term "umbrella" refers to how the policy shields the insured's assets more broadly than primary coverage.

Typically, an umbrella policy is pure liability coverage over and above the coverage afforded by the regular policy, and is sold in increments of one million dollars. The term "umbrella" is used because it covers liability claims from all policies underneath it, such as auto insurance and homeowners insurance policies. For example, if the insured carries an auto insurance policy with liability limits of $500,000 and a homeowners insurance policy with a limit of $300,000, then with a million dollar umbrella, the insured's limits become in effect, $1,500,000 on an auto liability claim and $1,300,000 on a homeowners liability claim."

Q) Is flood covered on my policy?

A) No, flood insurance is separate from a home owners' policy.  Although, some water damage is covered under your home owners' policy.  Please call for details for Massachusetts.

We provide all of your insurance needs:

Our licensed, professional staff has over 30 years of experience and is known to provide excellent service by working directly with you to secure the coverage required to meet your current needs. As for the future, we work hard at anticipating our customer's needs and will continue to offer competitive solutions to meet your ever-changing requirements. At Andrews Insurance, we will continually search for the best combination of insurance coverage and price and offer real value to our customers.  we are looking to save you money on your insurance and still maintain proper coverage.  We are licensed in all of the services we offer; Auto Insurance, Home Owner Insurance, Life Insurance, Group Insurance.  For you convience, please use our Online Quote Service and we will get back to you as soon as possible.

Located in Groveland, Massachusetts Andrews Insurance Agency is an Independent Insurance Agent and has been providing the full range of insurance services for Byfield, Groveland, West Newbury, Salisbury, Newburyport, Haverhill, Georgetown, Boxford, and other local towns in Massachusetts and New Hampshire since 1985.  We can help you via Phone, Fax, or mail.  Distance isn't an issue, enjoy our home like friendly service in person or on the phone.


Massachusetts DMV does not send out License renewals any longer. You should sign-up for Email/SMS/TXT reminders as soon as possible. That can be done here.

Contact Us
For information about Andrews Insurance please contact:
Diane Andrews-Clarke
Jim Andrews
Sandra Cyrulik

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Please Call for immediate service:

(978) 373-5550

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