The Andover Companies Insurance Review

The Andover Companies at a Glance

  • Founded in 1828
  • Coverage available in eight states
  • Offers a variety of insurance products
  • Offers coverage for individuals and businesses
  • “A+” (superior) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Network of independent insurance agents
  • Several discounts available
  • Good customer feedback
  • Online bill pay

The Andover Companies Pros: Approaching two centuries of experience in the insurance industry. High ratings through A.M. Best and the BBB. Offers several forms of coverage for individuals and businesses, including watercraft insurance, homeowners insurance, business owners insurance, personal umbrella insurance, and more. Offers several discounts. Offers match with an independent insurance agent through website.

The Andover Companies Cons: No online claims reporting. No official claims response time frame promise.

What Types of Insurance Does The Andover Companies Offer?

The Andover Companies offers a variety of coverage solutions for individuals and businesses. Their products include:

  • Business owners insurance
  • Condo owners insurance
  • Dwelling fire insurance
  • Equipment breakdown insurance
  • Homeowners insurance
  • Personal umbrella insurance
  • Watercraft insurance
  • Identity theft insurance
  • Inland marine insurance
  • Renters insurance

This list of insurance products available from The Andover Companies is not exhaustive. Your independent insurance agent can help you decide if The Andover Companies has the type of coverage to best meet your needs.

What to Know about The Andover Companies

The Andover Companies was founded in 1828, giving the carrier just under two centuries of experience in the insurance industry. The insurance company offers several forms of coverage for individuals and businesses, including homeowners insurance, business owners insurance, identity theft insurance, and more. The  company gets its name from its headquarters location in Andover, Massachusetts.

Currently, The Andover Companies offers coverage in eight states: Maine, New Hampshire, Massachusetts, Rhode Island, Connecticut, New York, New Jersey, and Illinois. Nearly 170 employees are found on the carrier’s LinkedIn network.

Thanks to its extensive history and variety of coverages offered, The Andover Companies has become known as a trustworthy insurance company with a strong outlook for the future. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives The Andover Companies an “A+” rating, indicating the carrier is a superior choice for insurance customers. The “A+” rating assures customers that The Andover Companies is capable of offering guaranteed, secure coverage from a reputable insurance carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t familiar with insurance companies’ reputations, A.M. Best’s rating system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound insurance company in the long term.

What Discounts Does The Andover Companies Offer?

The Andover Companies offers several competitive discounts on their coverages, including for watercraft and homeowners insurance. Their discounts include:

  • Safety features discount: Offered to watercraft insurance customers whose boats are equipped with safety features and equipment. 
  • Experienced watercraft user discount: Offered to watercraft insurance customers who have prior boating experience. 
  • Safety course discount: Offered to watercraft insurance customers who complete an approved safety course.
  • New construction discount: Offered to homeowners insurance customers who purchase a home that is newly constructed. 
  • Alarm systems discount: Offered to homeowners insurance customers who protect their homes with burglar alarms or other devices.

An independent insurance agent can help you find even more discounts and other ways to save with The Andover Companies can also provide you with quotes and help answer any other questions you may have.

The Andover Companies Customer Service

The Andover Companies encourages customers to contact their independent insurance agent for general customer service inquiries and claims reporting. The carrier also provides the following customer service options:

  • Phone contact option.
  • Online bill pay.
  • Snail mail contact option.
  • Customer service department has the following hour restrictions:


Hours (EST)


Monday-Friday8:15 am - 4:30 pm

The best way to handle your customer service needs is to work with an independent insurance agent, which is why The Andover Companies encourages it first and foremost. These agents help make customer service easier for you by handling claims and other concerns.

The Andover Companies FAQ

What is The Andover Companies' average claim response time frame?

The Andover Companies encourages customers to file claims through their independent insurance agent, but also allows phone claims reporting or snail mail claims reporting. However, the insurance company does not list a specific claims response time frame promise.

What is The Andover Companies' customer service availability?

The Andover Companies encourages customer service issues and claims to be handled through independent insurance agents, but does provide phone contact hours Monday-Friday. The carrier also has a social media presence on Facebook, Twitter, and LinkedIn, making them more accessible to customers.

What is The Andover Companies' claims process?

The Andover Companies allows customers to file claims via phone or through their independent insurance agent, or via snail mail. The carrier breaks down the claims process into three simple steps for its customers:

“1. REPORT

Report the loss to your insurance agent. Your local agent will initiate the claims process once you provide the details of your claim. Need contact information for your agent? You can search by using the Find an Agent tab at the top of this page.

2. RECORD

Keep a record of all temporary repair expenses. Prepare an inventory of all personal property that may have been damaged, destroyed or stolen.

3. RETAIN

Retain all damaged property for inspection.”

Customers can check the status of their claims through the website or by checking with their independent insurance agent.

Does The Andover Companies create a user-friendly experience for customers?

The Andover Companies’ official website is well laid out and easy to navigate. For the most part, pages are fleshed out enough to provide satisfactory details for customers. However, the website would further benefit from the addition of a specific claims response time frame promise. The Andover Companies allows customers to file claims through their independent insurance agent, over the phone, or through snail mail. The carrier could also benefit from adding an online claims reporting option. The official website also offers a service to match customers to a local independent insurance agent. The Andover Companies is present on social media, and overall provides a fairly user-friendly experience for its customers.

Does The Andover Companies have good watercraft insurance?

The Andover Companies provides a good selection of coverages for individuals and businesses, including watercraft insurance. The carrier’s watercraft policies come with the following coverages:

  • Liability coverage for all boat passengers
  • Coverage for watercraft damage or loss
  • Towing and other emergency services reimbursement coverage
  • Anchors, oars, and life preservers equipment coverage

Your independent insurance agent can help you find even more information about The Andover Companies’ watercraft insurance, as well as their many other coverages.

Is The Andover Companies a good insurance company?

The Andover Companies has been around for nearly two centuries now. The company has received high ratings through A.M. Best and the BBB. The Andover Companies also provides a large catalogue of coverage options for individuals and businesses. There are plenty of glowing customer reviews spotted for the carrier on the web, too. Overall, The Andover Companies can indeed be considered a good insurance company.

The Andover Companies Customer Reviews

Clearsurance
“Merrimack Mutual has come through for me more than once. I have an umbrella policy including fire insurance. I had a pool (electronic panel) fire two years ago and was able to contain the fire myself, but that is the only work I had to do for this issue. Merrimack sent a person right out to explain the process to me and they followed through with every aspect and allowed me to use my electrician and plumber. The work went seamlessly and the guys were paid quickly. More recently, I had a water issue and again, my policy covered all the work and also recommended preventive measures for the future. My policies are expensive, but when you actually have to use insurance, Merrimack makes it effortless. I've had them for 10 years and I'll have them 30 more!”
Clearsurance
“I have insured my beach property with Cambridge Mutual for over 10 years. Although I have never filed a claim, I have been very happy with their services.”
Clearsurance
“Merrimack Mutual Fire Insurance Company has been easy to work with. I have used the web applications to access information and to figure out how to make policy payments. The policy statements are  clear and easy to understand. The policy pricing seems to be competitive and I am a satisfied customer thus far.”
Clearsurance
“I am a current policyholder and had a recent claim. A pipe leak caused significant damage to my kitchen and finished basement. The adjuster was at my home the next day and was very attentive and responsive throughout the claims process. I was extremely satisfied with the service I received in a difficult and stressful time in our lives. I highly recommend The Andover Companies.”
Better Business Bureau
“I had Andover and had a fire. They paid the claim and for me to rent another house. I had no problem with them.”

TrustedChoice.com's Final Review

We award The Andover Companies a final rating of 4.25 out of 5 stars. For starters, The Andover Companies has been around for just under two centuries now, giving the carrier ample time to perfect its coverage and customer service practices. The Andover Companies is highly rated by A.M. Best and the BBB and has demonstrated solid financial strength. The carrier provides many insurance selections for individuals and businesses in the New England and Midwest areas. Further, the official website includes a service to match customers with a local independent insurance agent. We’re huge fans of the fact that The Andover Companies works with independent insurance agents, which offer customers the most personalized and complete experience when shopping for coverage, and throughout the life of their coverage. The Andover Companies also offers competitive discounts on many of its insurance products. So, our final verdict is that if you’re in need of any of their products, don’t hesitate to look into The Andover Companies to be your next trusted carrier.

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