Welcome!
Holbrook Insurance Center, Inc. has been servicing the residents of Holbrook, Massachusetts and the surrounding towns of Norfolk, Plymouth and Bristol Counties since 1960.
The mission of Holbrook Insurance Center is to provide our customers with the best advice on insurance to protect their property, casualty, life, disability, health, and commercial insurance needs. We work to assure that our customers secure appropriate insurance at a fair and reasonable cost from a financially strong insurer. We encourage our customers to communicate and meet with us as often as possible to keep us up to date on the changing risks that they face in this fast paced, ever changing world.
At Holbrook Insurance Center, we take the time to fully understand your needs and present solutions that meet those needs...explaining everything along the way, and ensuring that you're protected no matter what happens. We will give you the time to get the protection you need because we always have time for you.
Massachusetts Auto Insurance is Changing!!!
As of April 1, 2008, the rates for Massachusetts Automobile Insurance will no longer be fixed and established by the State Insurance Commissioner. For many years all of the insurance companies have charged the same rates for the same policy. The insurers will now be able to charge different rates and also offer a variety of insurance coverages. The insurance companies will have to file their rates with the insurance commissioner for approval prior to using them. This gives you an added level of consumer protection.
Holbrook Insurance Center is an Independent Insurance Agency that is aligned with the top automobile insurers in the state. We can and we will provide you with an excellent price along with the unparalleled service that we have always offered.
Insurance companies will be pricing their products in such a way that it might make sense to have both your home and auto insurance with the same company. Companies will also differentiate themselves from one another by offering a variety of policy features that have not been offered in the past. We will review your account and make appropriate recommendations to assure that your account is well constructed and that you are getting the best value for your insurance dollar.
Holbrook Insurance Center is a LOCAL company that employs a staff of PROFESSIONAL insurance people who are PASSIONATE about CARING for Customers. We have been serving the insurance needs fo families and businesses in our region for over 58 years, all the time GIVING back to the communities that support us.
THANK YOU for placing your TRUST in us. We look forward to meeting your needs now and in the future. Please call us with any questions that you have about any insurance questions or concerns!
NEW FEATURES, MORE SAVINGS with HOLBROOK INSURANCE CENTER AUTO/HOME INSURANCE, Click on link to bring up this form to email or fax back.
Personal Insurance
Personal Auto
Homeowners
Renters
Umbrella
Watercraft
Motorhomes
Personal Items
Motorcycles
Business/Commercial Insurance
Contractors
Manufacturers
Retail
Wholesale
Professional Liability
Restaurants
Garage & Repair
Life Insurance
Term Life Insurance
Whole Life
Universal Life
Variable Life & Annuities
Annuities
Health Insurance
Traditional Health Insurance
Short Term Health
Medical Savings Accounts
Medicare Supplements
Long Term Care
Accident
Trip Insurance
Retirement Plans
Traditional IRA
Roth IRA
Simple IRA
401k
Group Insurance
Group Life
Group Health
Group Dental
Group Retirement
 Jim CrowleyPresident781-767-2400 x11 Jim has spent 20 years in the insurance business with a vast knowledge of agency operations. He has been at Holbrook Insurance Center serving clients for over 20 years & is a licensed insurance broker and corporate stockholder. Jim took over the operations of the agency in 1991 from his dad and has expanded the products offered. Jim implemented an agency management software called AMS for Windows in 1994. This move in automation seemed to be one of the most beneficial moves made during the early years. Jim is also very active in the community, he was a past member of the Community Playground Committee, School Council at Holbrook Jr./Sr. High School, the Treasurer for Holbrook Little League. He is a current member of Holbrook Industrial Developement Commission, and a member of the Board of Directors of the Mohawks Youth Hockey Board  Paul GordonVice President781-767-2400 x10 Paul made his mark in the insurance industry early. At the age of 20, Paul was President of the Gordon Insurance Agency and was responsible for the complete operation of an insurance agency which included sales, management, and administration. He also at that time ran a successful Real Estate/Appraisal business. Paul expanded the insurance agency over the years. Paul joined forces with the Holbrook Insurance Center in May 1999 and has been very successful in account rounding and helping to expand the commercial insurance department at Holbrook Insurance Center.  Lisa CrowleyCustomer Service Representative781-767-2400 x17 Lisa joined the Holbrook Insurance Center in 1995. Lisa is responsible for all endorsements that are processed within the agency. This is not a small task, since there are thousands of endorsement processed every year. Lisa has to review, bill and mail all endorsements within the agency. Lisa also helps out with the accounting department.  Kathy DAmicoOffice Manager781-767-2400 Kathy is currently our office manager. Kathy has been with the Holbrook Insurance Center for 26 years. She is a licensed insurance broker and oversees all aspects of the Personal Lines Department. Kathy along with Jim in 1994 was instrumental in implementing our current automation system AMS for Windows. Kathy specializes in Malpractice Insurance for Nurses, Flood Insurance and Massachusetts Fair Plan policies.  Ruthelyn DesmondCustomer Service Representative - Personal Lines781-767-2400 x13 Ruthelyn has been a licensed insurance broker for 24 years. Ruthelyn held several positions in the insurance business with a couple of agencies in the area until joining the Gordon Insurance Agency in 1998. Ruthelyn joined the team of Holbrook Insurance Center in May 1999 and played very importan role in the company merger. Ruthelyn's specialty is homeowners, auto and Massachusetts Fair Plan policies. She is dedicated to providing answers to all the insured's questions.  Edna KillionCustomer Service Representative - Personal Lines781-767-2400 x15 Edna joined the Holbrook Insurance Center in 1995. Edna's role has evolved over the years. Edna's primary job is to process insured's payments, review and mail out all new business auto policies, process all miscellaneous papers pertaining to an insured's insurance portfolio and is the claims specialist. If you have an auto or homeowners claim, you will probably be talking to Edna. Edna will take the initial claim and follow-up on any questions that may arise regarding the claim and the process. Allison CoxCustomer Service Representative781-767-2400 Debi JoyceCustomer Service Representative - Personal Lines781-767-2400 x14 Debi is our newest employee and we are glad to have her. Debil joined our agency in 2005 and is aiding Lisa with the endorsements and also processing miscellaneous papers that may pertain to the operation of the agency. AndoverThe Andover Companies, a New England mutual insurance institution, has been providing quality insurance protection since 1828. For over a century, we have been offering our policies exclusively through independent agents. With over 1100 agents representing the Andover Companies, we are committed to professionalism and to providing competitive products tailored to meet your needs. 
ArbellaArbella was founded in 1988 as a Massachusetts-only auto and homeowners insurance company. Consistently adding to product lines and expanding into Rhode Island and Connecticut, Arbella has become a group of companies committed to delivering highest quality insurance products and services. 
CNA SuretyCNA Surety provides surety bonds in all 50 states, the District of Columbia, U.S. Territories, and many foreign countries. 
Concord GroupWe’ve been serving the insurance needs of New Englander’s since 1928, and today we are one of the largest writers of personal and commercial insurance in Northern New England. You can count on Concord Group to provide affordable coverage because over 250,000 policy holders across New England have found Concord Group to be the best choice. New England is our only market, so you can expect our products will be tailored to match your unique needs. Concord Group has consistently earned an A (Excellent) rating from A.M. Best Company, a national insurance rating organization. 
QuincyThe Quincy Mutual Fire Insurance Company has proudly provided consumers with insurance protection for more than 150 years. Quincy Mutual is Rated A+ (superior) by A.M. Best, the leader in insurance company evaluations. We are proud to have earned that designation for more than 50 consecutive years. 
SafetySafety Insurance was founded in 1979. Today, Safety is the second largest private passenger automobile carrier and the fourth largest commercial automobile carrier in Massachusetts. Safety has consistently received an "A" rating from A.M. Best. 
ZurichZurich's General Insurance segment serves a wide range of customers from individuals to small and medium sized businesses, commercial enterprises and major multi-national corporations. Their North American Commercial business division handles personal and commercial lines market segments and the program sector. 
Gap Insurance
If you have recently purchased or are planning to purchase a new or used vehicle you may want to consider purchasing Gap Insurance.
What is Gap Insurance?
When you drive your new or used car off the dealer�s lot your car has most likely lost 20% of its value and you need Gap Insurance.
If you put less than a 20% down payment on your car you need Gap Insurance.
How does Gap Insurance Work?
If your car is stolen or declared a total, your insurance company will pay the actual cash value of the car. The actual cash value can be a lot different from what you still owe on your loan. Without Gap Insurance your lender will hold you responsible for paying the difference between the actual cash value and the amount left on the loan.
Dealers charge between $500 and $600 for this coverage. We can offer it to you for $299 for the life of your loan up to 84 months. Leased vehicles are not eligible.
Not everyone needs Gap Insurance but if you think you should have it and would like more information on how it works, please give us a call and we will be happy to discuss it with you. Why do I need a Personal Umbrella policy?
Jury awards and out-of-court settlements routinely run into hundreds of thousands or even millions of dollars. Add to this the cost of legal fees, and the expense becomes staggering. An unexpected catastrophe could result in a large judgment against you. Without adequate protection, your current assets could be placed in serious jeopardy.
A Personal Umbrella policy could protect you against excess liability judgments for loss, injury, or even death caused by negligent acts. It is designed to provide liability protection over and above the insurance policies you currently have.
Consider the following example:
One evening a 17-year old took his parent�s car out for a drive. He crossed over a median and collided head-on with another vehicle. Two passengers in the other car were killed, and a third was seriously injured. The 17-year old driver was found negligent and ordered to pay $1.5 million to settle the injury claims. The parents had an auto policy with a $300,000 per claim liability limit. Fortunately the parents carried a Personal Umbrella policy. The auto policy paid $300,000, and the Personal Umbrella policy paid the remaining $1.2 million.
With a Personal Umbrella policy, you are covered if the limits under your primary policy are used up. Your assets, as well as your future earnings, are protected.
In today�s society, lawsuits are occurring with alarming frequency. Moreover, the monetary awards can be staggering. Your current insurance will protect you against a minor misfortune � but it probably would not give you the needed protection against a catastrophic loss. What is Term Life?
A Term Life insurance policy is a life insurance policy where the premium stays the same for the life of the policy. Depending upon your needs and your age, you can write this policy for 5, 10, 15, 20 or 30 years and your premiums will never go up during this term.
Who needs Term Life?
If something should happen to you, a Term Life policy could cover your mortgage or a child�s education and leave your family with financial security.
How much does a Term Life policy cost?
The cost of a Term Life policy will be determined by your age although it is very reasonable at any age. Identity Theft
Because of the high incidence of Identity Theft you can now obtain coverage on your homeowner�s policy to protect yourself from the high cost of restoring your name and credit.
Each year millions of Americans fall victim to Identity Theft and may spend months � even years � and their hard-earned money restoring their good names and credit records, Your doors and windows may be carefully locked, but identity thieves know no bounds.
For comprehensive tips on how to protect your good name and credit record, refer to the Federal Trade Commission�s Web site by clicking on: http://www.ftc.gov/bcp/conline/pubs/credit/idtheft.htm What is a flood?
Flooding is defined as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties from the following:
- Overflow of inland or tidal waters
- Unusual and rapid accumulation or runoff of surface waters from any source
- Mudflows
- Collapse or subsidence of land along the shore of a lake or other body of water, as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood
What does a Flood Policy cover?
Residential Building Coverage
Building coverage insured a house or dwelling, attached and detached garages, as well as certain permanently installed fixtures such as built-in dishwashers, permanent shelving and cabinetry, furnaces and radiators, hot-water heaters, plumbing fixtures, stoves, ovens and refrigerators.
Residential Contents Coverage
Contents coverage insured most of your personal property and belongings, including:
- Clothing
- Furniture, housewares, bedding
- Decorative items, lamps and lighting fixtures
- Books, home electronics
- Area rugs and draperies
- Clothes washers and dryers
- Air conditioners
- Food freezers and the food in them
- Portable microwave ovens
Coverage in Basements
Flood insurance covers structural elements, essential equipment and other basic items normally located in a basement, such as
- Unfinished drywall for walls and ceilings, including nonflammable insulation
- Electrical junction and circuit breaker boxes, and required utility connections
- Central air-conditioning units
- Furnaces, hot-water heaters, fuel tanks and the fuel inside them, and heat pumps
- Light fixtures
- Foundation elements
- Cleanup
However, flood insurance does not cover basement improvements such as finished walls, floors or ceilings or personal belongings that may be left in a basement such as furniture and other contents.
Facts
Everyone lives in a flood zone � floods are caused by storms, melting snow, hurricanes, and water backup due to inadequate or overloaded drainage systems, dam or levee failure, etc.
- Flooding can happen anywhere � about 25% of flood insurance claims come from low to moderate-risk areas
- Flood damage is not covered by homeowners policies
- Flood insurance is affordable � homeowners can insure contents only for as little as $39 per year; building and contents for as little as $112 per year
- Flood insurance is available to homeowners, renters, and business owners
- There is a 30-day waiting period unless you are purchasing at the same time you are writing a mortgage
- Federal disaster assistance is not insurance coverage � it is a loan that must be paid back
Rates
| Dwelling/Contents |
| Building | Contents | Premium |
| $20,000 | $8,000 | $137.00 |
| $30,000 | $12,000 | $163.00 |
| $50,000 | $20,000 | $205.00 |
| Contents Only (Located above ground level) |
| Contents | Premium |
| $8,000 | $39.00 |
| $12,000 | $53.00 |
| $20,000 | $81.00 |
These are preferred rates � please contact us to see if you qualify for the preferred rates and for higher coverages. If you know someone who may need our services we would appreciate the
opportunity to offer them our products and quality service. Just fill out the
easy form below. Leave an introduction if you wish and send it along to us.
We have a policy to always maintain appropriate confidentiality regarding personal information obtained in the course of doing business with you.
We only collect personal information about you necessary to conduct the business of insurance. We use the following sources to collect that information:
- Personal information you share with us, such as the information on your application, requested policy change information, questionnaires or other forms you may complete.
- Personal information about you from your transactions with us over the time you have been a policy holder with us.
- Personal information about you from a consumer reporting agency, such as the Registry of Motor Vehicles.
- Personal information you provide or which is obtained during the process of handling a claim, including medical information, such as from an accident report.
We do not disclose any personal information about current or former customers to anyone, except as permitted by law. |
