Business Details
50+ Years
experience
Your Trusted Insurance Partner in Norwood, MA
Since 1938, Howard Insurance has been a trusted partner in protecting homes, vehicles, and businesses throughout Norwood and surrounding communities. As a family-owned agency spanning three generations, we prioritize personalized service rooted in deep local knowledge and industry expertise. Our team of experienced professionals is dedicated to guiding clients through insurance needs with integrity and care. Licensed across Massachusetts, Rhode Island, and New Hampshire, we offer comprehensive coverage solutions for personal and commercial lines. By maintaining relationships with both standard and niche market carriers, we ensure tailored protection that aligns with individual client priorities.Our commitment to accessibility means one of our staff members is always available during business hours to address questions or concerns. From home insurance to commercial liability policies, we work diligently to secure coverage that reflects each client's unique circumstances. This dedication to service excellence has solidified our reputation as Norwood's oldest family-owned insurance agency. Through decades of industry evolution, our core values of attentiveness and community focus remain unchanged. Clients benefit from our ability to combine traditional service principles with modern insurance solutions, ensuring protection for both present needs and future uncertainties.
Services
Home Insurance
Vehicle Insurance
Business Insurance
Bonding Services
Flood Insurance
Umbrella Insurance
Pet Insurance
Commercial Auto Coverage
Workers Compensation
Notary Services
Details
- Year established: 1938
Highlights and features
- We offer over 80 years of combined insurance experience
- Our team provides personalized service as a family-owned agency
- We maintain licensing across Massachusetts, Rhode Island, and New Hampshire
- Our staff includes third-generation insurance professionals
- We offer coverage through both standard and niche market carriers
Services
Home Insurance
We provide comprehensive home insurance solutions protecting residential properties against common risks and damages. Our policies cover main street homes, high-value properties, and condominiums with customizable options for flood protection, valuable articles, and personal umbrella insurance. Our experienced agents help clients assess their specific needs to ensure adequate protection for their most valuable asset.
Vehicle Insurance
Our vehicle insurance programs protect personal and commercial vehicles including cars, trucks, motorcycles, and specialty vehicles. We offer coverage for classic cars, recreational vehicles, and commercial fleets with options for comprehensive protection. Our policies address liability concerns while providing flexibility for both individual drivers and business owners operating various types of transportation assets.
Business Insurance
We specialize in business insurance solutions protecting commercial properties, liability exposures, and operational risks. Our offerings include business owners policies, workers compensation, professional liability, and commercial auto coverage. We serve diverse industries including contractors, manufacturers, and service providers with tailored protection strategies that address specific business risks and regulatory requirements.
Bonding Services
Our bonding services provide financial guarantees for various business obligations. We offer court bonds, license and permit bonds, bid bonds, and performance bonds to meet different contractual requirements. These services help businesses demonstrate reliability to clients and regulatory authorities while protecting against potential financial losses from unfulfilled obligations.
Complimentary Services
We offer free insurance analysis services including policy reviews, replacement cost assessments, and liability insurance evaluations. Our complimentary consultations help clients understand their current coverage limitations and identify potential gaps. These services demonstrate our commitment to client education and long-term relationship building beyond standard insurance transactions.
People
Andrew Howard
Agency Principal
Andrew Howard has served the Norwood community since 1974, continuing the family tradition of personalized insurance service. As third-generation insurance professional, he maintains active involvement in client relationships while overseeing agency operations. His extensive experience spans both personal and commercial insurance sectors.
Emily Howard Pappas
Insurance Professional
Emily Howard Pappas represents the third generation of family leadership at Howard Insurance since joining in 2015. She combines traditional insurance values with modern service approaches to meet evolving client needs. Her expertise focuses on both personal insurance solutions and business coverage options.
Dino Pappas
Insurance Specialist
Dino Pappas has been assisting clients with insurance needs since 2011, providing expertise for both personal and business coverage. His client-focused approach emphasizes clear communication and thorough understanding of policy options. He works closely with clients to develop comprehensive protection strategies.
Questions
What types of insurance do you offer?
We provide home, vehicle, business insurance, bonding services, and specialty coverage options including flood insurance, umbrella policies, and pet insurance.
How can I get an insurance quote?
Contact us during business hours for a personalized quote. Our team will assess your specific needs and provide tailored coverage options.
Are you licensed in multiple states?
Yes, we are licensed in Massachusetts, Rhode Island, and New Hampshire for both personal and commercial insurance lines.
What are your business hours?
We're open Monday-Thursday 8:30 AM-4:30 PM, Friday 8:30 AM-4:00 PM. Appointments available outside these hours.
Do you offer complimentary insurance reviews?
Yes, we provide free insurance policy analysis and replacement cost assessments to help evaluate your current coverage effectiveness.
