Portsmouth Atlantic Insurance is a family-owned independent agency, founded in 2005 and licensed in Massachusetts. We help Massachusetts households insure homes, condos, rentals and cars, comparing coverage from carriers among the 40+ we work with. We don’t charge additional fees.
We work for you, not one insurance company. Our office is in Portsmouth, NH, just north of the Massachusetts line, and most of our Massachusetts clients work with us by phone, email and online. Families across New England have given us 1,000+ Google reviews and over 2,000 testimonials, and we’re New Hampshire’s highest-rated agency on Google.
Why use an independent agency in Massachusetts?
A captive agent can show you one company’s price. We put several carriers’ offers next to each other for the same home and the same cars, explain the differences in plain numbers, and let you choose. If your home changes, a teen starts driving or a carrier’s appetite shifts at renewal, we can re-shop the policy without you starting over somewhere else.
Massachusetts homeowners insurance
From two-families to coastal homes
Massachusetts housing runs from triple-deckers and two-family homes near Boston to colonials in the suburbs, Cape houses on the South Shore and Cape Cod, and shingle-style homes on the North Shore. Each one can fit a different carrier. We set the dwelling limit to the cost to rebuild, not the sale price, and look at roof age, heating, wiring and distance to the water. See our Massachusetts homeowners insurance guide.
Nor’easters, wind and flood
The biggest storm losses on the Massachusetts coast usually come from nor’easters and the occasional tropical storm: onshore wind, heavy wet snow, ice dams and coastal flooding. Wind and ice damage are usually handled under the homeowners policy, subject to your deductibles, and some carriers use a separate wind or hurricane deductible for coastal homes. Flood is excluded and needs its own policy; see flood insurance in Massachusetts.
Carriers we compare for Massachusetts homes
For Massachusetts homes, the carriers we quote include Hanover, Andover, Liberty Mutual, Openly, National General, Safety, Cincinnati and Chubb. Starting December 1, 2026, Safety can write Massachusetts homes up to $3.5 million. Chubb and Cincinnati are our main options for high-value homes. When a home is hard to place in the regular market, we can also look at the Massachusetts FAIR Plan (MPIUA).
Massachusetts auto insurance
Massachusetts runs its own auto system: four compulsory coverages, no-fault Personal Injury Protection, and a merit rating system run through the Merit Rating Board. Insurers can use the state’s Safe Driver Insurance Plan (SDIP) or their own approved merit rating plan, so the same ticket or accident can be priced differently from one carrier to the next. That’s a strong reason to compare.
| Compulsory coverage | Minimum | What we look at with you |
|---|---|---|
| Bodily Injury to Others | $25,000 / $50,000 (Massachusetts accidents only) | Optional bodily injury limits that also cover out-of-state accidents and passengers |
| Personal Injury Protection | $8,000 per person | Whether medical payments coverage makes sense too |
| Bodily Injury Caused by Uninsured Auto | $25,000 / $50,000 | Higher uninsured and underinsured motorist limits |
| Damage to Someone Else’s Property | $30,000 | Higher limits for highway driving and newer vehicles |
Minimums shown are for policies issued or renewed on or after July 1, 2025 (Chapter 275 of the Acts of 2024).
For Massachusetts auto, the carriers we compare include Bristol West, Progressive, Vermont Mutual, Foremost Signature, Liberty Mutual, Plymouth Rock, Concord Group, Safety, Hanover, Cincinnati and National General. See Massachusetts auto insurance, our North Shore car insurance guide and Massachusetts RMV online services.
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.
Other Massachusetts coverage we write
| Coverage | Guide |
|---|---|
| Home and auto together | Massachusetts home and auto bundle |
| High-value homes | Massachusetts high-value homes, Cape Cod, South Shore |
| Coastal homes and flood | Coastal homes, Flood |
| Rentals and condos | Landlord, Condex units, Renters |
| Umbrella | Massachusetts umbrella insurance |
| Boats and collector cars | Boats, Collector cars |
Massachusetts areas we serve
We work with Massachusetts households from the New Hampshire line to Cape Cod and the Islands. Every town and regional page already on the site is listed below, grouped the way people search. We do not have a Massachusetts office; Massachusetts clients work with us by phone, email and online from our Portsmouth, NH office.
North Shore
Coastal Essex County and the Newburyport stretch just south of the New Hampshire line, including barrier-beach and harbor towns.
- Amesbury
- Beverly
- Boxford
- Danvers
- Essex
- Gloucester
- Hamilton
- Ipswich
- Lynn
- Lynnfield
- Manchester-by-the-Sea
- Marblehead
- Middleton
- Nahant
- Newbury
- Newburyport
- Peabody
- Rockport
- Rowley
- Salem
- Salem condo associations
- Salisbury
- Saugus
- Swampscott
- Topsfield
- Wenham
- West Newbury
- North Shore home insurance
- North Shore car insurance
Merrimack Valley
The inland Merrimack River cities and towns closest to the New Hampshire border.
Boston Metro / MetroWest
Inner-core and MetroWest towns, including two-family and high-value pages already live for Concord, Lexington, Newton and Brookline.
South Shore
Harbor and coastal towns from Cohasset and Hingham down to Plymouth and Duxbury.
Cape Cod & Islands
Cape Cod towns plus Martha’s Vineyard (Edgartown) and Nantucket.
Also licensed nearby: New Hampshire, Maine, Connecticut, Rhode Island and Vermont.
Frequently asked questions
Do you have an office in Massachusetts?
No. Our office is at 601 Islington St in Portsmouth, NH, a short drive up I-95 from the Massachusetts line. We’re licensed in Massachusetts and work with Massachusetts clients by phone, email and online. You can also start a quote online.
Can an independent agency in Massachusetts quote both my home and my cars?
Yes. We compare single-carrier home and auto bundles with split options, so you can see both side by side. See our Massachusetts home and auto bundle page.
Is Massachusetts car insurance different from other states?
Yes. Massachusetts has four compulsory coverages, no-fault Personal Injury Protection and a merit rating system run through the Merit Rating Board. The compulsory Bodily Injury to Others coverage applies only to accidents in Massachusetts, so we review optional limits with you. See Massachusetts auto insurance.
Can you insure a high-value or coastal home in Massachusetts?
Yes. We compare high-value carriers such as Chubb and Cincinnati alongside other carriers, and starting December 1, 2026, Safety can write Massachusetts homes up to $3.5 million. See Massachusetts high-value home insurance and coastal home insurance in Massachusetts.
Does my Massachusetts homeowners policy cover flooding?
No. Standard homeowners policies exclude flood, including storm surge and rising water. Flood needs its own policy. We quote NFIP flood through Selective and compare private flood options. See flood insurance in Massachusetts.
I own a home in New Hampshire and one in Massachusetts. Can one agency handle both?
Yes. We’re licensed in both states, so we can quote the New Hampshire and Massachusetts homes and cars together and keep your liability limits consistent for an umbrella policy.
Get a Massachusetts insurance quote
Have your current declarations pages handy, plus each driver’s license number and each car’s VIN. We’ll compare options from multiple carriers and explain the differences in plain numbers. Call (603) 431-4020, email insure@portsmouthatlanticins.com or start a quote online.