The Andover Companies Insurance Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's The Andover Companies Insurance Score
4.25 Stars
We award The Andover Companies a final rating of 4.25 out of 5 stars. For starters, The Andover Companies has been around for just under two centuries, giving the carrier ample time to perfect its coverage and customer service practices. The Andover Companies is highly rated by AM Best and the Better Business Bureau (BBB) and has demonstrated solid financial strength.
The carrier provides many insurance selections for individuals and businesses in the New England and Midwest areas. Further, the official website includes a service to match customers with a local independent insurance agent.
The Andover Companies was founded in 1828 and offers several forms of coverage for individuals and businesses, including homeowners insurance, business owners insurance, umbrella insurance, and more. The company gets its name from its headquarters location in Andover, Massachusetts. Currently, The Andover Companies offers coverage in eight states: Maine, New Hampshire, Massachusetts, Rhode Island, Connecticut, New York, New Jersey, and Illinois.
We’re huge fans of the fact that The Andover Companies works with independent insurance agents, which offer customers the most personalized and complete experience when shopping for coverage and throughout the life of their coverage.
The Andover Companies also offers competitive discounts on many of its insurance products and is known for its affordable home insurance rates. So, our final verdict is that if you’re located in an area where coverage is available, don’t hesitate to look into The Andover Companies to be your next trusted carrier.
The Andover Companies Pros and Cons:
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
The Andover Companies Insurance Products by Type
The Andover Companies offers a variety of coverage solutions for individuals and businesses. Their products include:
Home & Property Insurance:
Business Insurance:
- Businessowners insurance
- Business property insurance
- General liability insurance
- Loss of business income and extra expense insurance
- Condo association insurance
The Andover Companies Homeowners Insurance
The Andover Companies offers several coverage enhancements and endorsements to increase the protection of a standard home insurance policy. Policies automatically come with ordinance or law coverage, personal property protection, replacement cost coverage on contents, and open perils contents coverage. Some of The Andover Companies' optional coverage enhancements are detailed below.
Coverage types, features, and benefits:
Snowmobile
Homeowners can add coverage for their snowmobiles to their home insurance policies, including physical damage and liability coverage.
Identity recovery
Homeowners can add coverage for the cost of identity restoration and the professional services necessary after an incident.
Builders risk
Homeowners can add coverage to protect home dwellings that are still under construction, including for theft of personal property and building materials.
Scheduled personal property
Homeowners can increase the coverage limits for valuable personal property, including jewelry, sports memorabilia, antiques, fine art, etc.
The Andover Companies Homeowners Insurance Average Prices
The Andover Companies provides affordable homeowners insurance in states where coverage is available. A home insurance policy with a $300,000 dwelling coverage limit averages just $1,240 annually from The Andover Companies. In comparison, the current national average rate for a policy with the same amount of coverage is $1,754 annually.
Here's a breakdown of the average cost of homeowners insurance from The Andover Companies by dwelling coverage amount.
The Andover Companies Average Annual Home Insurance Prices by Dwelling Coverage Amount
| Dwelling Coverage Amount | Average Yearly Policy Premium |
|---|---|
| $200,000 | $910 |
| $300,000 | $1,240 |
| $400,000 | $1,657 |
| $500,000 | $2,085 |
The Andover Companies Businessowners Insurance
The Andover Companies offers the standard protections you'd expect to find in a businessowners policy (BOP), including general liability, commercial property, and loss of income coverage. The carrier also offers several optional coverage endorsements, some of which are outlined below.
Coverage types, features, and benefits:
Cyber liability
Business owners can add optional coverage to help pay for professional help in the event of a data breach or cyberattack.
Equipment breakdown
Business owners can add optional coverage to help pay for expenses related to a sudden or accidental electrical or mechanical breakdown of key equipment.
Commercial flood
Business owners can add optional coverage to help pay for the replacement of business property that's damaged by water that flows in from outside.
Commercial umbrella
Business owners can increase their liability protection by adding commercial umbrella or excess liability coverage, which can increase their underlying policy limits to $1 million or greater to help with hefty lawsuits.
The Andover Companies Businessowners Insurance Average Prices
The Andover Companies does not make its average business insurance prices readily available. However, a local independent insurance agent can gather quotes for you and answer any questions you may have about the business insurance coverage available from this carrier.
To get a better idea of how much a business insurance policy might cost in your area, check out our business insurance calculator.
What Discounts Does The Andover Companies Offer?
The Andover Companies offers several competitive discounts on their coverages, including for homeowners insurance. The carrier's home insurance discounts include:
- Multi-policy bundling discount
- Protective devices and alarm services discount
- New construction home discount
- Loyalty discount
- Non-smoker discount
- Hardwired generator discount
An independent insurance agent can provide better discount information and premium quotes for coverage through The Andover Companies. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
The Andover Companies Customer Service
The Andover Companies encourages customers to contact their independent insurance agents for general customer service inquiries and claims reporting. Customers may also file a claim online at any time. The carrier also provides the following customer service options:
- Phone
- Snail mail
- Online bill pay
- Online claims reporting
- After-hours claims reporting by phone
- Customer service phone department has the following hour restrictions:
| Days | Hours | ||
| Monday-Friday | 8:15 a.m. - 4:30 p.m. | ||
| Saturday | Closed | ||
| Sunday | Closed |
To ensure a great customer service experience, work together with an independent insurance agent. These agents can help handle claims and other matters for you so you can relax and enjoy your coverage.
Find an Andover insurance agent
With a trusted expert in your corner, finding the perfect combo of coverage and cost is a breeze.
The Andover Companies Insurance FAQs
The Andover Companies encourages customers to file claims through their independent insurance agents but also allows phone claims reporting, online claims reporting, or snail mail claims reporting. However, the insurance company does not list a specific claims response time frame promise.
The Andover Companies encourages customer service issues and claims to be handled through independent insurance agents, but does provide standard phone contact hours Monday-Friday. The carrier also has a social media presence on Facebook, Instagram, and LinkedIn, making it a bit more accessible to customers.
The Andover Companies allows customers to file claims via phone, online, through their independent insurance agents, or via snail mail. The carrier does not detail its specific claims process online.
The Andover Companies’ official website is well laid out and easy to navigate. For the most part, pages are fleshed out enough to provide satisfactory details for customers. However, the website would further benefit from the addition of a specific claims response time frame promise.
The official website also offers a service to match customers to a local independent insurance agent. The Andover Companies is present on social media, and overall provides a fairly user-friendly experience for its customers.
The Andover Companies provides a good selection of coverages for individuals and businesses, including renters insurance. The carrier’s renters insurance policies come with the following coverages:
- Personal property
- Loss of use
- Personal liability
- Medical payments
The following optional coverages are also available:
- Scheduled personal property
- Personal umbrella insurance
- Identity recovery
- Home cyber protection
- Water backup and sump pump overflow
Your independent insurance agent can help you find even more information about The Andover Companies’ renters insurance, as well as its many other coverages.
The Andover Companies has been around for nearly two centuries. The company has received high ratings through AM Best and the BBB. The Andover Companies also provides a large catalog of coverage options for individuals and businesses. Overall, The Andover Companies can indeed be considered a good insurance company.
The Andover Companies' insurance products may be right for individuals or business owners who live in any of the eight states where coverage is offered. Prospective customers in search of business, home, renters, condo, umbrella, or any of the carrier's other products may find the coverage they're seeking from The Andover Companies.
A home insurance policy with $300,000 in dwelling coverage is just $1,240 per year from The Andover Companies, on average. That's considerably cheaper than the national average of $1,754 per year for a policy with the same amount of coverage.
https://www.andovercompanies.com/
https://www.policygenius.com/homeowners-insurance/reviews/the-andover-companies/
https://news.ambest.com/newscontent.aspx?refnum=225287
https://www.bbb.org/us/ma/andover/profile/insurance-companies/the-andover-companies-0021-21953