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Insurance You Need from People You Know
With all the insurance options out there, why choose radius? Quite simply, because we’re your neighbors. That means we’re uniquely qualified to provide you with the car insurance, home insurance, and business insurance you need to meet the demands of driving, living, and running a business in this unique part of the country we call home.
We’re here to personally assist you anytime.
Insurance can be complex, and we want to make it easy for you to get what you need. Your best resource is to contact us directly anytime.
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RADIUS INSURANCE AGENCY
Over the past 17 years our passion for helping people achieve the American Dream has not waivered. Our culture has grown with us and is a true reflection of our collective values and delivering on our mission of making mortgages better.
radius Insurance Agency has been serving New England since 2006. We provide quality insurance products but most importantly we get to establish a personal relationship with each and every client. Making sure that they are equipped with the knowledge to utilize their insurance products to protect their assets.
At radius Insurance Agency, our professional staff is committed to providing the highest quality insurance products at the best possible price. We are constantly striving to maintain a high standard of excellence in all that we do as we attempt to establish a relationship of mutual trust with our clients.
Specializing in Auto Insurance, Home Insurance, Business Insurance, and Life Insurance, radius Insurance Agency is here to serve our clients. Located in New England, we strongly believe in giving the best customer service possible which includes, but is not limited to, immediate attention and the right policy for your insurance needs.
AUTO, HOME, AND PERSONAL INSURANCE
At radius Insurance Agency, our personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance and planning needs in perspective.
BUSINESS & COMMERCIAL INSURANCE
As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.
Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that take care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.
Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented and even otherwise. Whatever your commercial insurance needs, we can design a protection program that’s right for you.
LIFE & HEALTH INSURANCE
Finding the right Life Insurance products can be challenging in today’s insurance environment. radius Insurance Agency offers a complete line of individual life insurance products that are crafted to meet you and your family’s specific needs. We work with several different top-rated insurance companies, and will place your account with the company that will provide you with the coverage and benefits you want.
radius Insurance Agency can help you make sound, informed decisions about issues affecting your life insurance needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace-of-mind.
What You Need to Know Before You Buy Homeowners Insurance:
What do I need to have in hand (documents, facts, bills, etc.) before I look for an insurance provider?
A little preparation can go a long way in making the insurance process quick and easy. If you’ve recently bought a new home or condo, a copy of the purchase and sale agreement and the home inspection will capture most of the pertinent information an insurance agent needs. If you’re not moving, a copy of your current insurance policy will ensure you get the right coverage. Having your auto insurance policy on hand as well, can help an agent identify any discounts for bundling policies and ensure that you receive the best deal.
Will the location of my home affect my insurance costs?
Yes, and here’s why: Insurance companies gauge the likelihood that a home could be damaged by severe weather or a fire depending on its location. If a property is located along the coastline, it is more likely to be damaged in a coastal storm than a home that’s farther inland. Proximity of essential resources can also affect your insurance. For example, if you live in a location with a limited number of fire hydrants nearby, it could mean a higher insurance premium for you.
What does it mean to insure my home to “replacement value”?
Replacement value is an important distinction to understand. Insuring your home to replacement value means you’re covered for the full amount it would cost to replace it and its belongings at comparable material and quality, without accounting for depreciation. The common misconception is that if you paid $420,000 for your house, then that’s the amount for which it should be insured. Not true-that amount could be too much or too little. Part of what you pay for when buying a house is the land; but an insurance policy shouldn’t factor in the price of land since it will only pay what it would cost to rebuild your home. This is where an independent insurance agent can be extremely helpful, because they can accurately determine what it would cost to replace your home. Companies like radius also inspect many of the homes we insure to help our customers identify the right replacement cost and therefore, the right amount of coverage needed on the policy.
Can I save money on my monthly premium if I add certain safety features to my home?
Yes! Many homeowners install alarm systems, low temperature sensors, or water flow alarms to better protect their homes. Your insurance company will likely give you a discount when those systems are present. Another way to save money is by bundling your home or condo insurance policy with your auto policy.
How can I ensure that I am working with a reliable home insurance provider?
Look to the expertise of an independent insurance agent to find the right carrier for you. It’s important to consider a carrier’s financial strength, its claim reputation, its knowledge of your region, and its community involvement and reputation.