We offer a comprehensive set of coverages to protect your home and your family. Once you start a quote, we’ll recommend to you the appropriate amount of insurance needed for your home by calculating property and building construction information from multiple databases. Call Isabella at 508-403-0300
Protect your dwelling (place of residence such as a house or townhouse) including what’s attached to the dwelling such as a garage. You’ll be protected against untimely events such as wind, hail, fire and theft.
Protect structures on your property, such as a detached garage, driveway, patio, fence, gazebo, small shed or barn. We include coverage for these types of structures in every policy at no extra cost.
Have peace of mind knowing that your personal property such as furniture, TVs, computers and laptops are covered in case something should happen to them, while they are anywhere in the world.
Loss of use
Any increase in living expenses and lodging will be covered in case there is damage to your home and you cannot stay there while it is being repaired. You won’t have to be dependent on anyone.
In the event that a claim is made or a suit is brought against you for property damages or bodily injury, your policy will cover these costs up to the amount of this coverage you select to carry.
Your policy will cover necessary medical expenses (up to the amount of this coverage you select to carry) incurred in the event there is an accident at your home causing bodily injury to someone else.
Our Products & Services
UIH’s insurance company subsidiaries have established strong relationships with a network of over 8,000 independent agents by emphasizing personal interaction, offering superior services and maintaining an exclusive focus on homeowners insurance. The Company’s insurance company underwriters work closely with independent agents to market and underwrite business. With competitively priced products, convenient installment billing plans and proactive claims management, both UPCIC and APPCIC provide their customers with superior service.
As of December 31, 2018, UIH's insurance company subsidiaries serviced approximately 828,653 homeowners and dwelling fire insurance policies.
Products & Services
Designed for dwellings occupied by the owner
Designed to cover contents in a rented dwelling
Designed to provide coverage for owner occupied or tenant occupied condominiums
Protection against covered perils such as wind, hail, lightning, or fire
Other Structures Coverage
Protection structures on covered property other than a home, such as a garage or shed
Dwelling Fire Policy
Designed to protect Landlord's dwelling
Personal property coverage
Worldwide coverage for personal contents
Personal liability coverage
Legal protection for claims from accidents to others
Easy, fast, Secure Homeowners insurance. get a free quote. 100% online Now! Affordable rates. first time home buyer
We can help give exceptional peace of mind to a wide range of Home Insurance Companies to give you comparative & competitive rates for Massachusetts Home Owners and First Time Home Buyers.
We make it simple to find the best price on homeowners insurance from multiple companies.
Specialty Rates · Top Coverages - First Time Home Buyers
Affordable Home Insurance - Free Online Quote in Minutes
Cover your biggest investment and build a custom home insurance policy & make the switch! Manage your policy online and enjoy multi-policy discounts. Switch & You Could Save
We recommend coverage amounts for your personal situation and break down everything we offer with clear-cut explanations so you know exactly what you’re getting. When purchasing property insurance, doing your due diligence is more than a turn of phrase. The period when a house is under contract is an essential part of the home insurance buying process and requires careful attention to detail. Being thorough in the due diligence phase will help you uncover potential issues and make the right choices for you and your family by calling us at (508)540-2601.
Simply having a roof over your head isn’t enough. As a homeowner you also need to take good care of this important part of the house, which means understanding what your homeowners policy includes (and what it doesn’t) in the event of damage or decay.
Insurance coverage designed for you. Call (508)540-2601
Our products are designed specifically to meet the needs of successful individuals and families. You have the flexibility to customize coverage to ensure your home and other significant assets are properly protected.
Watch Out for These Homeowner Mistakes
Few things in life are as stressful as buying a home. That is, until something goes wrong with it. The real work of owning a house often begins after moving in, but you can start the journey well-prepared by being aware of these common pitfalls.
Many homeowners make the unfortunate error of underestimating how much their personal belongings are worth. Though it's important to have your property appraised, that alone isn't enough.
To get the most suitable coverage, factor in the value of everything inside your dwelling, too -- not just what it would take to repair. From improvements you've made and appliances you've updated to furniture, clothing and electronics, you'll need to account for everything that would have to be replaced.
Ignoring Routine Maintenance
All homes require upkeep, and some tasks are more vital than others. Realistically, neglecting routine maintenance could even lead to a fire or flood. In fact, homeowners are more likely to file insurance claims for water and smoke damage than any other type.
Since houses don't come with an owner's manual, it's a good idea to make and follow a home maintenance checklist that includes doors and windows, your washer and dryer, and fire prevention equipment.
Making Assumptions About Your Policy
Do you fully understand your homeowners insurance deductible? If not, it's important to get to know how it works and what out-of-pocket costs you'll be responsible for in the event of an incident.
Generally, the higher the dollar amount or percentage deductible, the less you pay in premiums each month. But before you increase or decrease it, make sure you know how various claims would play out.
All homes, even new ones, experience unexpected issues now and again. Fortunately, many are preventable with a bit of know-how.
2018 hurricane season
(June 1-November 30)
There are a number of disturbances in the Atlantic Ocean currently being tracked by the National Hurricane Center.
Preparation is the key to successfully getting through a severe storm.
It is important to remember that the physical safety of your customers, their families and their pets is paramount and should always be the number one priority. Putting together a storm kit is a great step.
The kit will ideally include:
As storms approach, it is recommended to bring in or secure patio furniture so the risk of damage, to the furniture itself or anything it might be blown into during the storm, is reduced.
Additionally, ensuring each vehicle has a full tank of gas is suggested as lengthy power outages will impact the ability to secure fuel.
Maintaining extra fuel for gas grills or generators is also encouraged, but it is critical to ensure the fuel is kept in an appropriate safety container and is properly stored to minimize the risk of fire.
abc CH11: Steve Stewart
As Hurricane Florence moves closer to the coast, we've been hearing a lot about 'storm surge.'
Large death tolls have resulted from the rise of the ocean associated with many of the major hurricanes that have made landfall. Hurricane Katrina is a prime example of the damage and devastation that can be caused by surge. At least 1,500 people lost their lives during Katrina and many of those deaths occurred as a result of storm surge.
Storm surge is produced by water being pushed toward the shore by the force of the winds moving counter-clockwise around the storm. The maximum potential storm surge for a particular location depends on a number of different factors. Storm surge is a very complex phenomenon because it is sensitive to the slightest changes in storm intensity, forward speed, size, angle of approach to the coast, central pressure and the shape and characteristics of the coastline.
In addition to the power of surge, battering waves on top of the surge can cause significant destruction to structures. Water weighs around 1,700 pounds per cubic yard; extended pounding by waves can demolish any structure not specifically designed to withstand such forces. The two elements work together to increase the impact on land because the surge makes it possible for waves to extend inland.
Great experience, highly qualified agents and staff, professional and courteous
We like dealing with the people in this agency. They get us better deals if available and are readily responsive to our questions.
Always good service and rates
Service has always been prompt concerning questions and when i first hooked up with their company they were able to save me money on my home insurance. and, I did give a referral to a friend in the Chatham area.
I took over my father's insurance for his house when he died. They have been very helpful and I will continue to use them.
Few years back we needed a home owners policy ASAP . Bryan P. Braley went out of his way to get us best insurance at competitive prices. Always answered all questions quickly and helped with all paperwork thru transition.Would recommend them.
What I like best about Calfee is the PERSONAL service! So good to have that kind of response instead of something where you have to wait on the phone, etc.
Great company, great service, I recommend to all people who need insurance!
Voted Best Insurance Agency in New England by yours truely.
Arthur Calfee agents were very helpful to us when we were setting up new home insurance. They promptly provided us with options that were the coverage we needed and gave us the option of different, reasonably priced options. They returned calls walked us through the process.
Excellent company right here in our town. Great service. Thank you.
This company has for almost 20 years provided us with top notch service. We highly recommend them.
The agents at Calfee are the BEST! Their patience and prompt reply to any issue is outstanding. They dutifully follow up and are kind, as a bonus! We appreciate them so much.
Most issues easily handled with an email. Cape insurance is a bit tricky and a good agency really helps.
Professional, friendly service. They really care about their customers and do what it takes to get you the best insurance at the best rate.
I had MPIUA insurance at our Cape Cod property for quite a while and decided it was time to go with a different insurer. MPIUA clients know the story. I was not in a rush. So I contacted four local agents in the area and Davidson Calfee was the only one to follow up and to see if I had made a decision. Made the deal on the spot. All other companies never called back. The policy was great and I have been insured with Calfee for 1 year. My interaction could not have been easier in setting up the policy specifics. I would recommend Calfee without hesitation. Thanks for the read.
Arthur D Calfee Insurance saved me a lot of money on my homeowners insurance. They shopped around until they found a responsible, highly-rated insurer that offered a reasonable rate. Luckily, I haven't had to make a claim yet, so I can't comment on that.
Excellent service. Responds quickly and always returns phone calls. Definitely would recommend to family and friends.
Bryan was able to get us an exceptional reduction on property insurance and the agency is knowledgeable and quick to respond to questions. Very pleased with the service and products..
I've dealt with Bryan Brayley at Calfee, who has been very easy to work with, understanding of what I need for my house on the Cape, and willing to deal with questions promptly.
Great staff! Very helpful and friendly. Saved a lot of money by combining my home and car insurance with them.
The customer service at Calfee Insurance was incredible. I could not be happier with the experience I had and I would highly recommend them to anyone looking for car or home insurance. They are the best in the business.. Highly Recommended.
Great experience with Calfee Insurance. Got best home insurance policy. Very transparent and prompt in service. They guided me carefully to know the policy. Highly recommended.
As a customer of Calfee Insurance since 2014, I can definitely give them a good complement. Good value and best home insurance. I never had a bad experience from 1st day. Highly recommended company
I have been a customer of this Calfee Insurance since 2016 and have never had a bad experience. I always get prompt, professional service from the staff. I often recommend Calfee when colleagues ask about insurance.
The customer service at Calfee Insurance was incredible. I could not be happier with the experience I had and I would highly recommend them to anyone looking for car or home insurance. They are the best in the business..
Great customer service, best rates and coverage for the price. Could not find better rates on the coast that covered wind. So relieved to have coverage under one policy.
Calfee Insurance stuffs are very professional and knowledgeable. I got a very good home insurance policy. I would like to recommend this insurance agency to my friends and family.
Truly professional and very prompt in their service. I connected with a referral and got very good service. Best insurance agency. Thank you.
A top notch Insurance agency. Loved to work with them. Best home insurance & great value. Friendly stuffs. Will definitely work with them again.
Since 1980, the Calfee Family has endeavored to offer the highest rated companies to our clients. Our staff in both offices are highly trained insurance people who will answer promptly your insurance inquiries. Insurance quotes may be given for your home, car, boat, life & business. We have developed special, long term relationships with our company underwriters and insurance claim representatives to give excellent quality service to our clients.
I quoted around and they got me the best, most competitive, home insurance policy for the cape cod, ma area. And they saved me money on my car insurance too! Together they saved me a ton $$$
I live near the water on the Cape and had been searching for a reasonable homeowners policy. The fair plan was really not fair. I met with Calfee Insurance. They hooked me up with an A++ carrier and the policy had a miniscule 1% wind deductable for half the premiums of my old policy (by the way, my old policy had a 5% wind deductable). Half the cost and better coverage that is what Calfee can do for you. I would recommend them to the best of my friends.
I recently switched my auto insurance to Arthur D. Calfee insurance. The experience I had with them was great - they got me a quote the same day, which was quite a bit lower than what I had been paying. The staff was knowledgable, friendly and helpful. They showed me how to go on line and pay my bill and walked me through exactly what I needed to do. Since I had such a great experience with them for my auto insurance, I had them quote my homeowner's policy, and had the same experience - personal service, great prices, they are by far the best agency I have ever dealt with, and I would highly recommend them!
Calfee Insurance is a great company, they not only saved me money but were so thorough that I got a more comprehensive coverage policy. They took the time to explain all the intricacies and variations in the Coverage. Since we live near the water we didn't think we had a choice in policies but Calfee explained that the laws have changed and new coverage is available. Now we could combine our Home and Auto and save even more.
I would recommend Calfee to everyone because they are so easy to deal with, professional and do not pressure you. Like I said, they explain everything so you know what, why and how your policy designed just for you. I have my Home, Auto and Business policy's with them.
I recently got a quote from Davidson at Calfee insurance for insurance on my rental property. I had a fabulous experience there. I got a great rate, the ... Read More
I had just purchased a home in Cotuit and I needed homeowner's insurance and wanted someone in the upper Cape area to help me out, as I really didn't know ... Read More
Tracy McCarthy, Health and Life Insurance Agent, Independent Health Insurance Agent
I was with another company when working with Davidson O. at Arthur D. Calfee Insurance Agency, Inc. of Falmouth Ma.
"As an extremely personable and knowledgeable professional, Davidson assisted me in securing liability and workers' comp insurance for a new non-profit school that I am involved with as a volunteer and board member. His dedication to get us coverage in a timely fashion and handle most of the paperwork was outstanding. Davidson is a true professional (real estate agent) and gentleman; someone I would highly recommend to all my colleagues and clientele in Falmouth and Barnstable Ma." June 19, 2008
(508) 540-2601 Most Home Insurance Options Available for Cape Cod Home Owners.
We have all heard about the impact that we are having on the world and the changes that are set to happen and indeed are happening, including changes to the weather. With more claims on home insurance policies being related to weather, it is now more than ever imperative to have home insurance in order to protect yourself from whatever Mother Nature throws our way.
While there is nothing we can do to prevent Mother Nature from doing her worse there are many things which homeowners can do to prepare for what she offers and the damage it can do to the home. Making sure that your roof tiles are in good order, the chimney and roofing is in good order and cutting back any large and overhanging trees can all go towards getting cheaper home insurance cover and reducing the risk if making a claim.
Even if you have adequate insurance to cover damage done to your home, in the majority of cases claims take time to pay out. Therefore it is essential that you have savings in order to pay for any major repairs that cannot wait until the insurance pays out. Of course you will eventually be able to reclaim any money you pay out for repairs providing the insurance company agrees to the work and damage and that it is covered under the policy. It is also essential that you keep any receipts for any work done.
Another factor to take into account is if you have had major home improvements made to your home, this can add value to your property so should be included in your policy when you renew it.
By shopping online or using a specialist independent broker to find your home insurance are the easiest and cheapest ways to protect yourself against what Mother Nature has to bring your way.
When getting home insurance quotes, always compare policy terms and conditions and not just the premiums. And when comparing policies make sure that you check out at least four or five different companies and compare not only the cost of the premium but also what the policy entails. Some will ask that you pay up front for repairs and then reclaim, while others will provide you with a 24 hour emergency number and certain companies to complete the work needed in the quickest time possible.
Formas de Economizar no seu Seguro de Carro
Rental Home Insurance
Rental Condo Insurance
Personal Umbrella Policy
Off Road Vehicles
Motor Home Insurance
Mobile Home Insurance
Travel Trailer Insurance
Boat & Yacht Insurance
Jet Ski Insurance
Apartment Building Insurance
Condo / Condominium HOA Insurance
Lessors Risk Insurance
Commercial Real Estate
Office Building Insurance
Business Owners Policy Insurance (BOP)
Commercial General Liability Insurance (CPP)
Business Auto Insurance
Real Estate E& O
Errors & Omissions Insurance
Term Life Insurance
Universal Life Insurance
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"Key Man/Woman" Insurance
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Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport