Alliance Financial & Insurance
423 W Main St, Lowell, MI 49331
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Lowell households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
423 W Main St, Lowell, MI 49331
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Lowell residents.
Lowell home insurance averages $1,160/year, but flood risk and triple-deckers affect rates. Learn coverage needs for historic homes and Merrimack River properties.
As of July 1, 2025, Massachusetts requires minimum auto insurance coverage of $25,000 per person and $50,000 per accident for bodily injury, $30,000 for property damage, $25,000/$50,000 for uninsured motorist coverage, and $8,000 for personal injury protection. These requirements apply to all drivers in Lowell and throughout the state.
It depends on your property's flood zone designation. Lowell is located in the Merrimack Valley, an area vulnerable to flooding, and if your property is in a high-risk flood zone and you have a mortgage, your lender will require flood insurance. Even if it's not required, consider purchasing it given the increasing precipitation patterns Massachusetts has experienced due to climate change.
Lowell drivers pay an average of $2,714 annually for full coverage car insurance, or approximately $100 per month for minimum coverage liability insurance. Your actual rate will vary based on factors like your driving record, age, vehicle type, and specific neighborhood within Lowell.
While Massachusetts doesn't require renters insurance by law, many Lowell landlords require it as a condition of your lease. Even if not required, renters insurance is highly recommended—it typically costs $15-30 per month and provides liability protection and coverage for your belongings.
It depends on their situation. Students living in dorms without vehicles may be covered under their parents' policies, though with limited coverage amounts. Students living off-campus or bringing vehicles to Lowell should verify coverage with their parents' insurer or get their own renters and auto policies to ensure adequate protection.
Get quotes from multiple sources including online carriers and Lowell's six local insurance agencies. Compare coverage details, not just price, and ask about discounts for bundling policies, good credit, continuous coverage, and safety features. Local agents can provide personalized recommendations based on your specific Lowell neighborhood and situation.
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