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359 Main Street
Haverhill, MA 01830
Phone: (978) 372-1451
(800) 875-1541
Fax: (978) 521-4669
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Policy Services

Personal Insurance

Personal insurance is just that, personal. No two situations are exactly alike, so policies vary case by case.

At Cowan Insurance Agency Inc, our Personal Lines specialists work with you to tailor an insurance program to protect your family, home, auto, and other valuable possessions at the most reasonable costs our carriers can provide. We offer competitive personal lines products designed for your individual need.

At Cowan Insurance, we offer the following personal insurance products:

Massachusetts Automobile InsuranceCowan Insurance Agency, Inc. - Massachusetts Automobile Insurance

Welcome to a whole new world in Massachusetts Automobile Insurance!  For the first time in 30 years, insurance companies are actually allowed to compete for your business.  And we are ready to compete for yours!  Special discounts are now being offered to clients that we also write their home insurance, safe drivers, youthful operators and hybrid owners.

New this year as well are two Massachusetts Personal Automobile Enhancement Endorsements.  Each are available for a nominal charge of $25/vehicle and can be added to your policy.  The Safety Shield provides a disappearing collision deductible, guaranteed replacement cost, expanded substitute transportation coverage and emergency road travel expenses.  The Auto Loan/Lease Gap Coverage pays the difference between your vehicle value and your loan/lease balance in the event of a total loss.  Full details of each endorsement can be found by clicking the following links.

Safety Shield Broadening Endorsement

Auto Loan/Lease Gap Coverage

We also offer payment plans with no monthly installment charges through electronic fund transfer, or monthly billing with a nominal installment charge.

We are now also able to provide a monthly payment plan for those that have been cancelled by their current insurance company for non-payment.   Also, if your driving record is somewhat less than perfect, we now have a market that specializes in covering you with rates lower than the Mass Auto Insurance Plan (assigned risk pool).

New Hampshire Automobile Insurance

Our auto rates in New Hampshire are very competitive. We offer several programs for safe drivers, with discounts of up to 20%. We also offer a auto / home combination policy discount of up to 10%. In addition, we have a special market for inexperienced operators, as well as a program for operators with a substandard driving record.

Homeowners InsuranceCowan Insurance Agency, Inc. - Massachusetts Homeowners Insurance

With seven different companies to choose from, we offer competitive rates for homeowners and renters as well. We have special rates for new homes, renovated older homes, non-smokers, and multi-families.  And if we also insure your car, you can save up to 20% on your homeowners insurance premium.

Other Personal Insurance Coverages

Your homeowners insurance policy can be extended to cover your jewelry, silverware, collectibles, and boats. We also have available personal umbrella policies and flood insurance. In some markets, we also offer coverage for snowmobiles and recreational vehicles.

For further information, or to receive a free, no obligation quote, please call or e-mail us.