Business Details
Your Trusted Local Insurance Partner in Pembroke, MA
At Renfrew Insurance Agency, we take pride in building strong relationships with our clients to deliver personalized insurance solutions tailored to their unique needs. Founded on the principle that insurance should reflect the lives and passions of those we serve, our agency combines decades of industry expertise with hands-on experience in real estate and specialty vehicle ownership. Our team, led by owner Andrea Panacy, has been dedicated to the insurance industry since 2001, offering deep expertise in homeowners, auto, business, and collector vehicle insurance. With a focus on understanding the complexities of niche markets, we specialize in placing hard-to-place cases, including coastal properties, unconventional home-sharing arrangements, and vintage vehicles.By partnering with top-tier carriers and leveraging our local knowledge of Massachusetts and New Hampshire markets, we ensure comprehensive coverage and exceptional service. Our commitment to transparency, ethical practices, and community-driven service has earned us long-standing trust from clients spanning generations. Whether you own a single-family home, operate a small business, or cherish a collector car, we bring the same dedication to detail and client-first philosophy that defines our own approach to protecting what matters most.
Services
Homeowners Insurance
Auto Insurance
Business Insurance
Collectible Car Insurance
Umbrella Insurance
Watercraft Insurance
RMV Services
Highlights and features
- We offer 20+ years of insurance expertise through owner Andrea Panacys industry experience since 2001.
- Our team provides tailored coverage for hard-to-place cases like coastal homes and vintage vehicles.
- We specialize in Hagerty-certified collectible car insurance for enthusiasts.
- We offer in-house RMV services, saving clients time on vehicle plate issuance.
- Our team combines insurance expertise with 25+ years of real estate investment experience.
What people say
Top notch service
Excellent service
True professional
Quick and pleasant experience
Services
Homeowners Insurance
We offer comprehensive homeowners insurance for Massachusetts and New Hampshire properties, including coverage for coastal homes, knob-n-tube wiring, and AirbNB-style home-sharing programs. Our policies protect primary residences, rental properties, and condominiums. By partnering with multiple carriers, we create customized plans that address unique risks while maximizing available discounts for cost efficiency.
Collectible Car Insurance
Our Hagerty-certified collectible car insurance protects vintage vehicles, motorcycles, and custom trucks with specialized coverage exceeding standard auto policies. We understand the value of collector vehicles through our own passion for antique cars, offering agreed-value settlement options and spare parts coverage for restoration projects in both Massachusetts and New Hampshire markets.
Business Insurance
We provide tailored business insurance solutions for Massachusetts and New Hampshire companies, including contractors, accountants, retail stores, and professional services firms. Our offerings cover worker's compensation, commercial auto, liability protection, and specialized policies for niche industries. As small business owners ourselves, we create cost-effective plans that address specific operational risks without unnecessary add-ons.
Umbrella Insurance
Our umbrella insurance policies offer supplemental liability coverage beyond standard homeowners or auto policies for Massachusetts and New Hampshire residents. These personalized plans protect against catastrophic claims involving personal assets, family members, or household activities. With 30+ years of experience, we craft multi-tiered liability solutions that safeguard clients from financial exposure in complex situations.
Watercraft Insurance
We offer customized watercraft insurance for Massachusetts and New Hampshire boating enthusiasts, covering sailboats, fishing boats, jet skis, yachts, and pontoons. Our policies address regional water-related risks while providing options for seasonal storage and on-water emergency assistance. As long-time coastal residents, we understand the specific protection needs of waterfront properties and recreational vessel owners in New England.
People
Andrea A. Panacy
Agency Owner
Andrea has provided specialized insurance services since 2001, combining her industry expertise with 25+ years of real estate investment experience. She manages several income properties and owns multiple vintage vehicles, which informs her approach to specialty insurance coverage.
Melissa J. Johnson
Insurance Specialist
Melissa joined Renfrew Insurance in 2021, bringing administrative and customer service expertise from her previous medical billing career. She supports the agency's operations while volunteering with local youth cheerleading organizations.
Questions
What areas does Renfrew Insurance Agency serve?
We primarily serve Massachusetts and New Hampshire, providing localized insurance expertise for homeowners, businesses, and specialty vehicles.
What types of specialty insurance do you offer?
We specialize in collectible car insurance through Hagerty, coastal property coverage, home-sharing program policies, and niche business insurance for sectors like contracting and professional services.
Do you provide RMV services?
Yes, we offer in-house RMV services for Massachusetts vehicle plate issuance, saving clients time versus visiting RMV offices.
How does Renfrew handle complex insurance cases?
Our team leverages 30+ years of combined expertise to address hard-to-place cases, including properties with knob-n-tube wiring, dog breeds declined by other insurers, and specialty vehicle collections.
What differentiates Renfrew Insurance from larger carriers?
We provide personalized policy customization, local market knowledge, and hands-on service from an owner who actively manages properties and collects vintage vehicles herself.
Reviews (2)
Thomas Williams
Nov 15, 2020
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There is something to be said about doing business locally, especially when it comes to insurance. Andrea is great to work with and she is a true professional. I highly recommend.
Lillian Mayhew
Nov 07, 2017
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I went in for a pre-inspection for my insurance and the whole experience was very quick and very pleasant
