Portsmouth Atlantic Insurance is a family-owned independent agency, founded in 2005 and licensed in 10 states, including Massachusetts. We compare home and auto coverage from 40+ carriers, so one conversation covers the house, the cars and, if you want it, an umbrella on top. We don’t charge any fees.
We serve Massachusetts from our Portsmouth, NH office by phone, email and online. Most of our Massachusetts clients live on the North Shore, in the Merrimack Valley and along the coast down to the South Shore and Cape Cod.
An independent agency for Massachusetts households
A captive agent can only show you one company’s bundle. We work for you, not one company, so we can put several carriers’ home and auto packages side by side and tell you where each one is stronger. Sometimes the best answer is a single-carrier bundle. Sometimes it’s a home policy with one carrier and auto with another. We’ll show you both and explain the trade-offs.
Why we price the house and the cars together
The homeowners policy usually drives the decision. Rebuild cost, roof age, distance to the coast and the wind or hurricane deductible narrow the list of carriers that fit your home. Once we know which carriers want the house, we quote auto with those carriers and with auto-focused markets, then compare the combined picture: price, deductibles, liability limits and how each company handles claims.
Pricing them together also makes the liability question easier. Your auto and home liability limits are what an umbrella sits on top of, so it helps to set them at the same time.
What’s different about bundling in Massachusetts
Every auto policy starts with four compulsory parts
Massachusetts requires four parts on every private passenger auto policy. For policies issued or renewed on or after July 1, 2025, the minimums are $25,000 per person / $50,000 per accident for bodily injury to others, $8,000 per person in Personal Injury Protection (PIP), $25,000 / $50,000 for bodily injury caused by an uninsured auto, and $30,000 for damage to someone else’s property. Those floors come from Chapter 275 of the Acts of 2024 and the Massachusetts Division of Insurance. They are floors, not recommendations. A household with a home and savings to protect usually carries much higher limits. See our Massachusetts auto insurance page for how each part and no-fault PIP work.
The compulsory limits stop at the state line
The compulsory bodily injury part applies to accidents in Massachusetts. Optional bodily injury coverage is what protects you when you drive into New Hampshire, Maine or anywhere else, and it’s also the coverage most umbrella policies expect underneath them. If you commute up I-95 or I-495, or spend summer weekends in Maine or on Lake Winnipesaukee, we’ll make sure the optional limits are on the policy.
Your driving record follows the policy
Massachusetts insurers use merit-rating plans, subject to Division of Insurance rules, that apply credits or surcharges based on at-fault accidents and traffic violations. When we compare bundles, we look at each driver in the household, because a young driver or a recent surcharge can change which carrier makes sense for the cars, even if the home fits elsewhere.
Coastal wind deductibles on the house side
According to the Massachusetts Division of Insurance, many carriers apply mandatory wind or hurricane deductibles based on how close a home is to the coast. On Plum Island, in Gloucester or Marblehead, or on the Cape, that deductible can be a percentage of the dwelling limit. We’ll show it to you in dollars for each option so the bundle comparison is apples to apples. Flood is a separate policy; see flood insurance in Massachusetts and coastal home insurance in Massachusetts.
Living near the New Hampshire line
Plenty of our clients live in Amesbury, Salisbury, Haverhill or Methuen and work in New Hampshire, or the other way around. Because we’re licensed in both states, we can handle a Massachusetts home and cars garaged in Massachusetts, plus a New Hampshire camp, condo or second car, in one place. Where you live and garage the cars determines which state’s rules apply; we’ll sort that out with you.
What a Massachusetts home and auto bundle usually includes
| Piece | What it covers | Why it matters in Massachusetts |
|---|---|---|
| Homeowners (HO-3 or HO-5) | Dwelling, other structures, belongings, personal liability | Insure to rebuild cost; check the wind or hurricane deductible near the coast |
| Auto | The four compulsory parts plus optional bodily injury, collision and comprehensive | Optional bodily injury covers you outside Massachusetts |
| Umbrella | Extra liability over home and auto | Usually requires minimum home and auto liability limits underneath |
| Flood (separate) | Flood damage, which homeowners policies exclude | Coastal and river towns along the Merrimack, Parker and Ipswich rivers, and the Cape |
Carriers we compare for Massachusetts bundles
We compare home and auto among the 40+ carriers we work with. For Massachusetts homes, the carriers we already quote include Hanover, Andover, Liberty Mutual, Openly, National General, Cincinnati and Chubb. We’ll tell you which of those, and which of our auto markets, can be bundled, and when it’s better to split them. Availability depends on the home, the drivers and underwriting.
Disclosure: Coverage, eligibility and price depend on each carrier’s underwriting and your details. Nothing on this page is a quote or a promise of coverage.
Where we work in Massachusetts
- North Shore: Newburyport, Amesbury, Salisbury, Ipswich, Beverly, Marblehead, Gloucester, Salem
- Merrimack Valley: Haverhill, Methuen, Andover, Groveland
- South Shore and Cape: Hingham, Duxbury, Plymouth, Falmouth
Higher-value home? See Massachusetts high-value home insurance. Prefer New Hampshire? See our New Hampshire home and auto bundle.
Frequently asked questions
Do I have to bundle home and auto with the same company in Massachusetts?
No. Bundling is optional. We compare single-carrier bundles and split options, then show you the trade-offs.
What are the minimum auto insurance limits in Massachusetts?
For policies issued or renewed on or after July 1, 2025: $25,000/$50,000 bodily injury to others, $8,000 PIP, $25,000/$50,000 uninsured auto and $30,000 property damage.
Does my Massachusetts auto policy cover me in New Hampshire?
The compulsory bodily injury part covers Massachusetts accidents. Optional bodily injury coverage is what protects you in other states, so we recommend carrying it.
Can you insure my Massachusetts home and a New Hampshire or Maine second home?
Yes. We’re licensed in Massachusetts, New Hampshire and Maine, so we can quote both homes and the cars together. See Massachusetts second home insurance.
Should I add an umbrella to a Massachusetts bundle?
If you own a home, have teen drivers or have savings to protect, it’s worth pricing. See umbrella insurance in Massachusetts.
Do you have a Massachusetts office?
No. We serve Massachusetts from our Portsmouth, NH office by phone, email and online.
Get a Massachusetts home and auto quote
Tell us about the house and the cars, and we’ll compare options from multiple carriers. We don’t charge any fees. Call our Portsmouth office at (603) 431-4020 or email insure@portsmouthatlanticins.com.