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Personal Insurance

Explore our wide range of personal and specialty insurance solutions.

Auto Insurance

As your trusted insurance agency, we are pleased to serve you by finding reliable coverage and affordable rates for your vehicle. Shopping for protection shouldn’t be a hassle. The best way to find savings is by comparing auto insurance rates from multiple carriers.

The process can be overwhelming, but our agents are available to help do the work for you! Auto insurance coverage can include physical damage and bodily injury protection in an accident. It may also include liability and could offer financial assistance against theft or damage to your vehicle.

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Frequently asked questions and answers

Can I insure multiple vehicles on one policy?

Yes, many insurance companies allow multiple vehicles to be insured on the same policy. Multi-vehicle policies are common for households in Lowell, Massachusetts and may qualify for discounts.

What is gap insurance?

Gap insurance helps cover the difference between what you owe on a vehicle loan and the vehicle’s actual cash value if it’s totaled. It’s commonly recommended for newer financed vehicles in Lowell, especially if the loan balance is higher than the car’s value.

What is personal injury protection (PIP)?

Personal injury protection (PIP) helps pay for medical expenses, lost wages, and other related costs after an accident, regardless of who is at fault. PIP requirements vary by state, and in some areas, it may be required as part of your auto insurance coverage.

Is PIP required in (State)?

Some states require personal injury protection as part of auto insurance policies, while others make it optional. Drivers in Massachusetts should review current state insurance requirements to understand whether PIP coverage is necessary.

Can I pause my auto insurance coverage?

Depending on your insurance company, you may have options if your vehicle will be stored or not driven for an extended period. However, completely canceling your policy can lead to gaps in coverage history, which may affect future insurance rates. Drivers in Lowell should speak with their insurance provider to explore available options and determine the best solution for their situation.

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Homeowners Insurance

Protect your most valuable asset. Homeowners Insurance provides a safety net for unexpected and unfortunate events that damage your property or belongings.

Our agents can help you select the appropriate coverage for your home. Finding the right combination of reliable coverage, quality service, and affordability is what we do best! Let us help so you and your family are prepared in an emergency.

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Frequently asked questions and answers

Why do I need homeowners’ insurance?
Homeowners insurance helps protect your home and finances if your property is damaged by a covered event or if you’re held responsible for someone else’s injuries or property damage. For many homeowners in Lowell MA, it provides valuable peace of mind against unexpected expenses.
Does homeowners insurance cover wind and hail damage?
Many homeowners’ insurance policies cover damage caused by windstorms and hail, although coverage and deductibles can vary depending on where you live. Homeowners in Massachusetts should review their policy to understand how wind and hail claims are handled.
How can I lower my homeowner’s insurance premium?
There are several ways you may be able to lower your homeowner’s insurance premium. Bundling your home and auto insurance, choosing a higher deductible, installing safety features like smoke detectors or security systems, and maintaining a claims-free history may all help reduce your costs. Your insurance agent can review your policy and let you know which discounts and savings opportunities may be available.
What is personal property coverage?
Personal property coverage helps pay to repair or replace your belongings if they’re damaged or stolen because of a covered loss. This can include furniture, clothing, electronics, and other household items, up to your policy’s coverage limits.
Does homeowners insurance cover guest injuries?
If a guest is injured on your property, your homeowner’s insurance may help cover medical expenses or legal costs if you’re found responsible. Homeowners in Lowell should review their liability limits to make sure they have adequate protection.
Should I insure my home for its market value?
Not always. Homeowners’ insurance is typically based on the estimated cost to repair or rebuild your home after a covered loss, not its current market value. Factors such as land value and local real estate conditions don’t usually determine your coverage needs. An insurance professional in Lowell MA can help you choose a dwelling coverage amount that’s appropriate for your home.
Does filing a homeowners insurance claim increase my premium?
Filing a claim doesn’t automatically mean your premium will increase, but claims history is one factor insurers may consider when determining rates. The impact depends on factors such as the type of claim, your claims history, and your insurance company.
What happens if my home is damaged beyond repair?
If your home is declared a total loss due to a covered event, your homeowner’s insurance may help pay to rebuild it, up to your policy limits. Homeowners in Massachusetts should periodically review their coverage to help ensure it’s sufficient for current rebuilding costs.
Can I bundle my home and auto insurance?
Yes. Many insurance companies offer savings when you bundle your home and auto insurance policies. Combining your coverage may help lower your insurance costs while making it easier to manage your policies with one insurance provider.
How often should I compare homeowners’ insurance quotes?
It’s a good idea to compare homeowners’ insurance quotes every few years or whenever your circumstances change, such as after renovations or purchasing a new home. Homeowners in Lowell may find that coverage options, discounts, and rates change over time, making it worthwhile to shop around.

Renters/Condo Insurance

Renters insurance is extremely affordable and offers excellent coverage! We can shop our most trusted carriers to find reliable coverage for a reasonable cost. Renters policies can generally start at less than $20 per month and only increase when adding additional coverages.
Think about all the valuable items you own, such as your computer, smartphone, jewelry, collectibles, furniture, and clothing. If these items are damaged by fire, theft, or vandalism, your renters insurance policy can protect you from financial loss. Personal belongings in your vehicles are also covered.

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Umbrella Insurance

Sometimes standard insurance isn’t enough, and you’re left with gaps in coverage. An umbrella policy provides extra security with liability coverage that fills those gaps.

It could offer protection for you and your family against claims and judgments. It is a valuable addition to any homeowners, auto, or other policy for extended coverage.

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Motorcycle Insurance

While you’re on the road enjoying the ride, give yourself peace of mind knowing you have reliable motorcycle insurance protection. We can help find quality coverage and affordable rates in your area.

We offer competitive rates from trusted carriers with reliable coverage you can count on. Motorcycle insurance policies sometimes include specific coverage that is required by law. Often it includes bodily injury and property damage liability. Additional coverages may include medical payments, uninsured protection, comprehensive coverage, and collision coverage. Comprehensive coverage could provide protection if your bike is stolen, vandalized, or even damaged by fire. With all these options, it is important to speak with an insurance professional. We are happy to discuss your policy’s details and answer any questions you may have.

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Flood Insurance

Don’t get caught up in a storm. Your homeowners insurance policy does not cover flood losses. Floodwaters can result in devastating damage, both to your home and your finances. Take the time to consider how and if you will be protected when flooding damages your property. Financial aid from the U.S. government is not guaranteed, but a good flood insurance policy can help cover claims even when a disaster is not declared. Unlike some financial aid loans, your flood insurance policy can reimburse you and does not require repayment. Our team of dedicated professionals can guide you to the most reliable and affordable coverage plans.

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Recreational Vehicle Insurance

Do you own a four-wheeler, jet ski, camper, or another type of recreational vehicle? Let us guide you to reliable and affordable protection solutions so you can sit back and ride or enjoy your next trip. A typical auto policy does not include coverage for recreational vehicles. Recreational vehicle insurance can include coverage for total loss replacement, roadside assistance, medical insurance, emergency expense coverage, and more.
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The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.

Conway Insurance Agency

Address:
77 East Merrimack Street STE 16
Lowell, MA 01852

Office Hours:
Monday – Friday 8:30am – 5:00 pm
Saturday 9:00 am – 12:00 pm

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Phone: 978-454-5054
Email:  Osvaldo@conwayinsurance.com

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