Since 1966 St. Germain Insurance Inc. has provided the highest quality insurance protection for an ever-growing number of clients and companies in Massachusetts. Our experience and exceptional customer service have earned St. Germain Insurance Inc. the trust of the businesses and individuals we serve and a position of leadership in the community. We will do everything possible to meet with you personally to discuss your insurance needs.
As an independent agent, we have the ability to find the most competitive premiums matched with the most comprehensive coverage. We are dedicated to offering quality services and products to protect the people and things you cherish most.
As an independent agent, we have the ability to find the most competitive premiums matched with the most comprehensive coverage. We are dedicated to offering quality services and products to protect the people and things you cherish most.
Services
At St. Germain Insurance Inc., our personal insurance products provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverage's.
The way 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.
St. Germain Insurance Inc. provides the following types of personal insurance protection:.
The way 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.
St. Germain Insurance Inc. provides the following types of personal insurance protection:.
At St. Germain Insurance Inc. a way we like to explain Automobile or car insurance coverage is to divide it into four sections.
The second section is personal injury protection (PIP), and medical payments.
It covers you and your passengers in your vehicle for Medial expenses, lost wages, and replacement services.
Both liability coverage and PIP coverage are required in the state of Massachusetts.
The third section is Uninsured and Underinsured automobile coverage.
This coverage pays for damages for bodily injury as the result of certain accidents caused by someone who does not have enough insurance.
The second section is personal injury protection (PIP), and medical payments.
It covers you and your passengers in your vehicle for Medial expenses, lost wages, and replacement services.
Both liability coverage and PIP coverage are required in the state of Massachusetts.
The third section is Uninsured and Underinsured automobile coverage.
This coverage pays for damages for bodily injury as the result of certain accidents caused by someone who does not have enough insurance.
Your home is probably your most valuable asset, both as an investment and as your sanctuary in a hectic world.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.
A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster.
The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors.
When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact.
A well-written homeowners policy will pay to replace any of your personal property that is destroyed in a fire or other disaster.
The policy will also be your first line of defense against a lawsuit from someone injured at your home.
The cost of this coverage is determined by many rating factors.
Boat Insurance covers most watercraft with motors, including fishing boats, power boats, pontoon boats, paddle boats, leisure crafts, and yachts.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat.
Available coverage includes liability, medical payments, and damage to the boat itself, sometimes called hull coverage.
Smaller watercraft such as canoes, kayaks can find limited coverage under your homeowner's policy.
Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat.
Available coverage includes liability, medical payments, and damage to the boat itself, sometimes called hull coverage.
Smaller watercraft such as canoes, kayaks can find limited coverage under your homeowner's policy.
Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Condominium insurance provides coverage for your unit where your condominium association insurance stops.
Your association most likely insures the building and other common areas.
You are responsible for the interior of your unit.
Coverage you would need is personal property and liability coverage in addition to coverage for your floors, walls, cabinets, and fixtures that your association's insurance probably will not cover.
Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.
Your association most likely insures the building and other common areas.
You are responsible for the interior of your unit.
Coverage you would need is personal property and liability coverage in addition to coverage for your floors, walls, cabinets, and fixtures that your association's insurance probably will not cover.
Every association's insurance policy is different regarding what each unit owner is responsible for, so it is important to review your association policy and condominium by-laws carefully.
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