Business Details
Trusted Property & Casualty Insurance Since 1833
Founded in 1833, our company has evolved from a fire insurance provider to a comprehensive property and casualty insurer while maintaining our core mission of protecting local communities. As a mutual insurance company, we prioritize the interests of our policyholders, who are also our members, through transparent governance and strategic financial management. Our board of directors, elected by members, ensures our operations align with the values established nearly two centuries ago.Recognized by AM Best with an A rating, we demonstrate consistent financial strength and commitment to policyholders. Our focus remains on sustaining a high-quality property insurance market across Cape Cod, Martha's Vineyard, and the SouthCoast through proactive risk management and community engagement. We combine historical expertise with modern underwriting practices to deliver reliable protection tailored to regional needs.
Services
Homeowners Insurance
Renters Insurance
Umbrella Liability
Property Insurance
Casualty Insurance
Highlights and features
- Established in 1833 with deep regional expertise
- Mutual company structure prioritizes member interests
- Maintained AM Best A financial strength rating
- Specialized knowledge of Cape Cod and SouthCoast risks
- Community-focused approach to insurance solutions
Associations and certifications
- AM Best A Rating
Services
Homeowners Insurance
Our homeowners insurance protects against property damage and liability risks specific to Cape Cod and Islands residences. We offer tailored policies covering structural elements, personal belongings, and additional living expenses during repairs. With over 180 years of regional experience, we understand coastal climate challenges and provide specialized protection for historic and modern homes alike.
Renters Insurance
Designed for Massachusetts renters, this coverage safeguards personal property against common perils while providing liability protection. Our policies include coverage for belongings, temporary housing expenses, and personal liability claims. We help renters understand their rights and ensure appropriate protection regardless of landlord requirements.
Umbrella Liability
We provide supplemental liability protection beyond standard homeowners and auto policies. This coverage protects against major claims that exceed primary policy limits, offering financial security for unexpected events. Our umbrella policies are customized to individual risk profiles while maintaining affordability for Cape Cod residents.
Questions
What areas do you serve?
We specialize in insurance coverage for Cape Cod, Martha's Vineyard, and the SouthCoast region of Massachusetts.
How do I file a claim?
Contact our claims department at (800) 310-9310 or submit details through your local independent agent during business hours.
Are you a mutual insurance company?
Yes, as a mutual insurer our policyholders are also members who share in our financial success and governance.
What is your financial rating?
We maintain an A (Excellent) rating from AM Best, reflecting our strong financial position and commitment to policyholders.
