Essex County has 813,054 residents in 313,147 households. We list 8 insurance agencies in North Andover. Here is what the local numbers say about the cover people here need.

North Andover at a glance

8insurance agencies listed
36.5%of households rentRenters insurance
$619,100median home valueHome insurance
1960median year homes were builtRebuild cost calculator
9.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Essex County (the Census does not publish North Andover as a separate place). Agency count: our listings.

Natural hazard risk in Essex County

FEMA rates the overall natural hazard risk in Essex County, where most North Andover agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

Coastal floodingVery High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance
Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Massachusetts
HurricaneRelatively High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Massachusetts

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Massachusetts

Massachusetts requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $30,000 of property damage liability, often written 25/50/30. It also requires personal injury protection ($8,000) and uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Massachusetts How much liability cover do you need?

Source: mass.gov, limits in force since 2025-07-01. Checked 2026-10-24.

What North Andover agencies can write

Share of the 8 agencies listed in North Andover that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Questions

Insurance agencies in North Andover

How do I find an insurance agency in North Andover?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in North Andover?

FEMA's National Risk Index rates coastal flooding risk in Essex County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in North Andover?

36.5% of households in Essex County rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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