Protecting What Matters Most in Old Saybrook
Old Saybrook is one of Connecticut’s true shoreline gems — where the Connecticut River meets Long Island Sound. Life here is defined by coastal living, boating, family-owned businesses, and a strong sense of community. But with that shoreline lifestyle comes added risk: hurricanes, flooding, busy summer traffic, and the day-to-day challenges of running a home or business.
For over 80 years, our independent insurance agency in Old Saybrook, CT has been helping families and businesses safeguard what matters most. We’re not tied to one carrier. Instead, we work with multiple top-rated insurance companies to find solutions that fit your life here on the shoreline.
Why Choose an Independent Insurance Agency in Old Saybrook?
Insurance isn’t just about buying a policy — it’s about protecting your home, your business, and your peace of mind. As an independent agency, we:
Compare Options
Offer choice by comparing multiple carriers
Flexibility
Deliver personalized coverage rather than one-size-fits-all policies
Local Knowledge
Provide local insight into Old Saybrook’s shoreline risks
Trusted Guidance
Bring 80+ years of trusted experience serving Middlesex County
That combination of local expertise and national carrier access means you get the best of both worlds.
Personal Insurance in Old Saybrook, CT
Auto Insurance
Whether you’re commuting along I-95, driving local roads, or heading out on Route 154 by the shoreline, auto insurance is essential. We help with coverage for:
- Cars, SUVs, and trucks
- Motorcycles
- Collector and vintage vehicles
- Seasonal recreational vehicles
Homeowners Insurance in Chester
From historic houses in the center of town to waterfront homes along the Sound, every property in Old Saybrook has its own risks. We tailor coverage to protect against wind, water damage, and liability.
Flood Insurance
Old Saybrook is a coastal community — which means flood insurance is often necessary. Standard homeowners policies won’t cover flood damage. We’ll guide you through FEMA flood zone maps and connect you with the right coverage.
Renters Insurance
Apartments and rental homes are common along the shoreline, and renters need protection too. Renters insurance covers personal property and liability, offering affordable peace of mind.
Specialized Personal Coverage
- Boat and yacht insurance for residents docking in Old Saybrook marinas
- Umbrella liability insurance for added protection
- RV and travel trailer insurance for seasonal travelers
Business Insurance in Old Saybrook, CT
Old Saybrook’s economy blends small businesses, marinas, restaurants, and professional services. Each requires customized coverage.
Business Owners Policy (BOP)
A BOP combines property and liability insurance, protecting your building, equipment, and operations. Ideal for small and midsize businesses.
Workers’ Compensation Insurance
Required for most businesses with employees. Workers’ comp provides medical and wage benefits if an employee gets injured on the job.
Commercial Auto Insurance
For contractors, delivery drivers, and local service businesses, commercial auto keeps vehicles and drivers covered.
Marine & Marina Coverage
Old Saybrook’s shoreline location means unique insurance needs. We provide specialized coverage for marinas, boat dealers, and marine-related businesses.
Why Old Saybrook Residents Trust Us
Generations of experience
more than 80 years serving Middlesex County
Independent advice
with access to multiple insurance carriers
Local knowledge
of coastal risks, flood zones, and shoreline businesses
Personal attention
from a team that lives and works in the same communities
Frequently Asked Questions
Do all homeowners in Old Saybrook need flood insurance?
Not always, but many do. Homes near Long Island Sound and the Connecticut River are especially vulnerable. Even outside FEMA high-risk zones, flood insurance is worth considering.
Are auto insurance rates higher in Old Saybrook?
They’re in line with much of the shoreline region. Driving history, vehicle type, and coverage selections are usually bigger factors than zip code alone.
What’s the advantage of working with a local agency instead of a national brand?
A local agency understands Old Saybrook’s unique risks — from coastal storms to boating liability — and can recommend coverage with that knowledge in mind.
Serving Old Saybrook & Surrounding Areas
Serving Old Saybrook and Surrounding Towns
While our focus here is Old Saybrook, we also proudly serve neighboring shoreline communities such as Westbrook, Clinton, and Essex. Whether you’re a homeowner, renter, or business owner, we’re here to help you find the right protection.
Get Started With a Trusted Old Saybrook Insurance Agency
Your home, car, and business are too important to trust to cookie-cutter coverage. With 80+ years of experience and deep roots in Middlesex County, we’re the insurance agency Old Saybrook residents turn to when they want personalized protection and peace of mind.
Call us today or request a free quote online. Protect your future with a team that knows Old Saybrook.