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Insurance agencies · Massachusetts
Insurance Agencies in Sagamore Beach, MA
Local agencies in Sagamore Beach for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Sagamore Beach
Barnstable County has 231,668 residents in 105,777 households. We list 2 insurance agencies in Sagamore Beach. Here is what the local numbers say about the cover people here need.
Sagamore Beach at a glance
- 2insurance agencies listed
- 18.9%of households rentRenters insurance
- $629,000median home valueHome insurance
- 1977median year homes were builtRebuild cost calculator
- 5.4%of households have no carAuto insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates, for Barnstable County (the Census does not publish Sagamore Beach as a separate place). Agency count: our listings.
Natural hazard risk in Barnstable County
FEMA rates the overall natural hazard risk in Barnstable County, where most Sagamore Beach agencies we list are located, as Relatively Moderate compared with other U.S. counties. The hazards it rates highest:
- Coastal flooding
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance - Hurricane
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 - Lightning
Fire and lightning are standard covered causes of loss on home policies.
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 MassachusettsHow much liability cover do you need?
Source: mass.gov, limits in force since 2025-07-01. Checked 2026-10-24.
Questions
Insurance agencies in Sagamore Beach
How do I find an insurance agency in Sagamore Beach?
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 Sagamore Beach?
FEMA's National Risk Index rates coastal flooding risk in Barnstable 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 Sagamore Beach?
18.9% of households in Barnstable 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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