Business Details
47 Years
experience
Your Trusted Insurance Partner in Bellingham, MA
Founded in 1979 by Dick Ostrander, our agency has built a legacy of personalized insurance solutions rooted in local expertise. We began operations in Franklin, MA, and expanded to Bellingham in 1984, establishing a permanent home in 1989 after strategic growth. Our team has consistently prioritized client relationships, reflected in over 25 years of dedicated service from key staff members like Lorraine Long. Recognized annually since 2012 as Bellingham's Best Insurance Agency by Readers Choice Awards, we combine decades of experience with a commitment to evolving client needs. We specialize in auto, home, and business insurance while offering unique services like free notary support and insurance replacement cost analysis.Our 2013 facility expansion consolidated operations into a modern, accessible space designed to enhance client convenience. We maintain transparency in coverage options, from basic liability to comprehensive policies tailored to individual and commercial needs. Our approach balances financial protection with practical advice, such as deductible optimization and umbrella policy considerations. We serve both personal and business clients, addressing specialized risks from antique vehicles to commercial trucking. With over 40 years of community-focused service, we remain dedicated to helping clients navigate insurance decisions with confidence.
Services
Auto Insurance
Homeowners Insurance
Business Insurance
Personal Umbrella Insurance
Free Insurance Quotes
Commercial Property Coverage
Renters Insurance
Condo Unit Policies
Vehicle Replacement Analysis
Notary Services
Details
- Year established: 1979
Highlights and features
- We offer 40+ years of local insurance expertise since 1979
- Our team provides personalized coverage analysis for unique needs
- We include free notary services and replacement cost analysis
- Recognized annually as Bellingham's Best Insurance Agency since 2012
- We maintain transparent pricing with deductible optimization guidance
Services
Auto Insurance
We provide comprehensive auto insurance solutions meeting Massachusetts requirements while offering customizable coverage options. Our policies include liability protection, collision/comprehensive coverage, and specialized plans for antique vehicles. Clients benefit from deductible optimization guidance and expert advice on coverage limits tailored to their financial situation and vehicle value.
Homeowners Insurance
Our homeowners insurance offers coverage for primary residences, including replacement cost analysis and endorsements for valuables. We specialize in condo unit policies and provide risk-specific recommendations for properties in diverse locations like Cape Cod and ski country.
Business Insurance
We deliver tailored business insurance packages covering commercial auto, property, and liability needs. Our offerings include workers compensation compliance, errors and omissions protection, and specialized policies for restaurants, contractors, and transportation businesses.
Personal Umbrella Insurance
Our umbrella policies provide additional liability protection beyond primary insurance limits. We help clients assess eligibility based on risk factors and ensure proper coordination with underlying policies for comprehensive coverage.
Free Insurance Quotes
We offer complimentary insurance quotes and policy reviews to help clients compare coverage options. This service includes replacement cost analysis for homes and personalized recommendations for optimizing existing insurance portfolios.
People
Dick Ostrander
Founder
Founded Ostrander Insurance in 1979 after graduating from Holy Cross College, establishing Bellingham's premier insurance agency through decades of community-focused service.
Lorraine Long
Former Office Manager
Managed Bellingham operations for over 25 years after joining in 1984, recognized for exceptional client service until her retirement from the agency.
Questions
What types of insurance do you specialize in?
We specialize in auto, homeowners, business, and personal umbrella insurance with specialized coverage for boats, motorcycles, and commercial vehicles.
Do you offer free insurance consultations?
Yes, we provide free insurance quotes and policy reviews to help clients make informed coverage decisions.
Are umbrella policies worth the investment?
Umbrella policies provide excess liability coverage after primary policy limits are exhausted, offering critical protection for high-risk scenarios.
How do deductibles affect my auto insurance?
Higher deductibles reduce premiums but require greater out-of-pocket costs during claims, with options ranging from $300 to $2,000.
Do you serve commercial clients?
Yes, we offer business insurance packages including workers compensation, commercial property, and liability coverage for various industries.
