24 North Street
Hingham MA 02043
Take a look below at some of the insurance services we provide.
Click Here to view some of the carriers we represent. Then let one of
our agents discuss your needs and help you find the best option for you and
your family. You can also request a quote using our online quote forms.
To get a Personal Auto quote now please click here:
Auto insurance quote request
Massachusetts auto insurance can get a little complicated. It is important to discuss your individual situation with someone that understands your personal needs, and we will take time to explain your choices. To properly insure yourself, we will guide you through making sure you have the right coverages for you particular needs at the best rate!
If you have any questions regarding the appropriate level of automobile coverage for you, we have relationships with the most reputable auto insurers, and we will be happy to assist you in determining the coverages best suited to your needs.
A Personal Auto policy typically includes the following coverage:
Compulsory Auto Policy Coverage
• Bodily Injury to Others
• Personal Injury Protection
• Bodily Injury Caused by Uninsured Auto
• Damage to Someone Else's Property
• Optional Bodily Injury to Others
• Medical Payments
• Substitute Transportation
• Towing and Labor
• Bodily Injury Caused by an Underinsured Auto
The Homeowners Insurance policy offers coverage against fire, wind, theft and many other perils to the structure itself and the contents. Liability is also included in this policy. The insurance you purchase may be tailored to meet your specific needs. It is vital that you have a good understanding of your coverage options so you are able to make informed choices. Phelps Insurance prides itself on being a valuable resource for you and your family.
A Brief Explanation of the Homeowners Policy
Basic Policy Coverages
The basic homeowners policy covers your home and other structures on your property. The contents of your home, as well as personal belongings used, owned, worn, or carried by you or members of your household are also covered. Other coverages included in the homeowners policy are loss of use, personal liability and medical payments.
Most catastrophes are covered by your basic homeowners policy; however, flood and earthquake damage are not. A separate policy is required if coverage for either is desired.
You may elect to increase coverages or purchase replacement cost coverage for the building and/or contents. You may also purchase special coverage for items such as jewelry, artwork or other valuables.
Condominium coverage is available to insure the dwelling as well as contents, liability and loss assessment.
Renter’s coverage is also available. Coverage is provided for your contents as well as your liability.
To get a Homeowners quote now please click here:
Homeowners insurance quote request
We offer insurance packages tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect every aspect of your business.
To get a Commercial quote now please click here:
Commercial insurance quote request
Property insurance covers exposures such as buildings and contents, including equipment, furniture, fixtures, inventories, business records, supplies and other physical items. It can also cover fire, theft, business interruption and other losses unique to a business.
Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads.
Every business has unique liability exposures. Liability coverage protects an insured party against injury or damage claims made by other parties.
Umbrellas offer coverage over and above any underlying liability that exists for a client. The limits of coverage start at $1 million but can be increased depending on need.
Workers’ Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. The bodily injury must be accidental, and the term includes death resulting from the accident. Diseases unique to the occupation are covered as well.
Life insurance is a crucial step in planning for your future and your family’s future. It can fulfill promises and obligations to your family and other parties in the event of your death.
The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.
Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are other benefits associated with certain types of life insurance plans, as well.
At John J. Lamb Insurance, we can help you decide on the right type of life insurance policy for your situation and needs
Ph: (781) 749-6960 - Email: email@example.com
To get a Life quote now please click here:
Life insurance quote request