UPDATED: Nov 30, 2018
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About The Andover Companies
The Andover Companies are formed by Merrimack Mutual, founded in 1828, Cambridge Mutual, founded in 1833, and Bay State, which was founded in 1955. All three companies service customers through the Andover Companies head office in Andover, MA.
Their main products are homeowners, businessowners, and dwelling fire. They also list auto, watercraft, and a few other specialty policies on their website, although most of these are written through partnership with other companies.
Andover Companies policies are sold through local agents in the states they serve: Connecticut, Illinois, Maine, Massachusetts, New Hampshire, New Jersey, New York, and Rhode Island.
Andover Companies Products
The Andover Companies website offers basic information regarding their products.
There are several types of home insurance offered:
- Homeowner’s Insurance from Andover covers guaranteed replacement cost on the home itself – which means they will cover whatever it costs to replace, and not a scheduled amount. Also covered are personal property, liability, and other costs associated with a claim like loss of use.
- Renter’s Insurance is also available to cover personal property and liability for tenants who aren’t responsible for the structure itself.
- Condo Insurance is similar to the homeowner’s policy but doesn’t cover anything that is protected under an association policy.
- Dwelling Fire is the final home insurance policy type and offers basic coverage for the structure and property. This is a named perils policy and can be customized for landlords by adding specific liability coverage.
Coverage for in-home businesses and scheduled personal property can also be added to a home insurance policy.
The Businessowners policy protects business structures and property against either specific perils or on an all-risks basis. This policy also includes liability protection and assistance in the event of a lawsuit.
Equipment breakdown coverage and loss of income protection are also part of this package policy. The policy is available for a range of different business types including retail and apartment buildings.
In addition to the above, The Andover Companies also write other types of insurance including, Personal Umbrella and Watercraft coverage.
Automobile insurance is listed, however, it is only available through partnership with another company, Quincy Mutual. Inland Marine is also offered through another company. The Andover companies do not underwrite these products.
The company’s website does not offer any information regarding insurance rates. Quotes can only be obtained by contacting an agent. There is an agent locator service offered on the website, although most people are likely to find this company when an existing agent recommends their products.
According to the website, claims should be reported directly to your insurance agent. Although this is commonly an option offered by an agent-based company, it is rare for this to be the primary claims reporting system. The website does not offer an option to report a claim online.
There is an after-hours and weekend toll-free number available to file a claim when your agent is not available. Overall, the website pays little attention to providing claims assistance.
Ratings and Consumer Reviews
The Better Business Bureau (BBB) gives The Andover Companies an A+ rating, and there are no complaints on file in the past three years.
The only consumer reviews we were able to find were on Yelp, where there are two negative reviews regarding claims handling.
This lack of complaints could be a positive, or may reflect the smaller size and regional nature of the company. It may also be due to Andover being a group of companies, with the different names causing some confusion.
The Bottom Line
The Andover Companies sell their products entirely through agents, and they depend on those agents to market and manage products on their behalf. As a result, this company is only likely to land on the radar of consumers who do all of their insurance shopping through a trusted agent. With little information on their products or rates, we are unable to make a recommendation for this company.
For a list of companies that we recommend, visit our Best Insurance Companies page.