The Hingham Group Insurance Company Review

Everything you need to know about the Hingham Group

The Hingham Group Insurance Company at a Glance

  • Hingham Mutual Fire Insurance Company and Danbury Insurance Company offer insurance products through nearly 400 professional independent insurance agents in New England under the name the Hingham Group
  • The Hingham Group has been providing property and casualty protection for over 185 years
  • In 2010, New London County Mutual Insurance Company entered into an affiliation agreement with the Hingham Group
  • The new company, NLC Insurance Companies, comprises four companies: New London County Mutual, Thames Insurance, Hingham Mutual, and Danbury Insurance
  • NLC Insurance Companies and its affiliates are rated A- (Excellent) by AM Best

Hingham pros: The Hingham Group has been providing property and casualty insurance policies in New England for over 185 years. Under the NLC Insurance Companies umbrella, Hingham is part of a group of companies that offers business insurance, home insurance, auto insurance, and more to New England homeowner and businesses. NLC Insurance Companies and its affiliates are rated A- (Excellent) by AM Best. The company also receives an A+ rating and no complaints from the Better Business Bureau (BBB). It markets its products through a network of independent insurance agents. The small number of customer satisfaction reviews that were found are mostly positive.

Hingham cons: The Hingham Group is not a BBB accredited business. Hingham as an entity does not have much of an identity since its affiliation with NLC. Few customer satisfaction reviews.

What Type of Insurance Does the Hingham Group Offer?

The Hingham Group offers the following types of insurance policies.

  • Business insurance
  • Car insurance
  • Homeowners insurance
  • Personal umbrella insurance
  • Renters insurance

This is not an exhaustive list of the policies offered by the Hingham Group. For more information, talk to a Hingham agent or representative. 

If you want to learn more about Hingham and NLC Insurance Companies, contact a Hingham representative. You can also learn about other insurance companies in New England by using our national insurance company directory. The directory can help you find the best insurance company to meet your needs.

What to Know about the Hingham Group

New London County Mutual Fire Insurance Company was formed in Norwich, Connecticut, in 1840 by a group of local businessmen. Their primary purpose was to insure homes, farms, and public buildings.

In 2010, NLC entered into an affiliation agreement with the Hingham Group, which was headquartered in Hingham, Massachusetts. This affiliation brought together four property-casualty companies under a single management structure. The Hingham Mutual Insurance Company was originally founded in 1826, adding to NLC’s long standing tradition of writing business in New England.

The four companies, New London County Mutual, Thames Insurance, Hingham Mutual, and Danbury Insurance gave NLC Insurance Companies representation in all six New England states, and raised the written premium collectively to over $100,000,000.

NLC continues to write in most New England states with written premiums of about $85,000,000, and employs approximately 90 people. Homeowners insurance accounts for about 50% of the company’s business. Other products offered include personal automobile, dwelling fire, commercial package policies, and personal and commercial umbrella policies.

NLC currently does business with over 300 independent agencies throughout New England. NLC is a member of the National Association of Mutual Insurance Companies, the Property Casualty Insurance Association of America, American Association of Insurance Services and other important property casualty organizations.

The company and its affiliates are rated A- (Excellent) by AM Best.

What Discounts Does the Hingham Group Offer?

The Hingham Group does not make available information about its specific discounts or reward programs.

The Hingham Group Customer Service

Customer service for the Hingham Group falls under the NLC Insurance Companies umbrella. All information about the Hingham Group can be found on the NLC Insurance Companies official website. Here’s what you need to know about Hingham/NLC customer service.

  • NLC Insurance Companies encourages its customers to obtain service from their insurance agent
  • If the insurance agent can’t be reached, customers can contact Hingham/NLC by phone
  • Customer service department has the following hours restrictions


Hours (EST)


Monday-Friday 8:15 am - 4:15 pm

The Hingham Group FAQ

What is Hingham’s average claim response time frame?

Hingham/NLC does not publish an average claim response time.

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What is Hingham’s customer service availability?

Hingham/NLC Insurance Companies asks that you first contact your insurance agent for help with your policy needs, including the following.

  • Updating your mailing address or policy address
  • Adding/deleting a vehicle or drivers on your auto policy
  • Changing your deductible or policy limits
  • Setting a billing date and frequency, or enrolling in automatic payments
  • Canceling your policy
  • Looking into why your rate/bill has increased
  • Ordering ID cards and/or policy documents
  • Tracking a claim

If you can’t reach your agent, you can contact NLC by phone. The company also offers online bill pay and an online find an agent tool.

The company’s regular business hours are 8:15 am to 4:15 pm, Monday through Friday. You can phone in claims after business hours as well.

What is Hingham’s claims process?

To report a claim to Hingham/NLC, select from the following options.

  1. Call the claims department toll-free
  2. Fax the claims department
  3. Use the online Claim Submission form provided on the company’s website

The company also provides an after-hours emergency claims phone line.

Does Hingham create a user-friendly experience for customers?

Hingham’s web presence is entirely via the NLC website, and aside from describing the alliance between the companies, the site does not offer information about which of its companies offers what products in what states. All of the information falls under the NLC Insurance Companies umbrella.

The website is somewhat difficult to navigate, and a little confusing. It does offer a good summary of each of NLC’s product offerings, but no details about coverage, rates, or discounts.

Customer service is available from 8:15 am to 4:15 pm EST, Monday through Friday. Customers are encouraged to seek service first from their insurance agent, and if the agent is not available, NLC is available by phone, fax, or mail.

Does Hingham have good homeowners insurance?

NLC offers homeowners insurance residents of Connecticut, Rhode Island, and Massachusetts. All of NLC’s Homeowner policies include the following types of coverage.

  • Dwelling coverage
  • Other structures coverage
  • Personal property coverage
  • Loss of use coverage
  • Personal liability coverage

The company offers replacement cost contents coverage and guaranteed replacement cost coverage for the dwelling. Customers may be able to purchase coverage for certain businesses that are operated out of a home, and can also add identity theft coverage to their homeowners insurance policy.

This is mostly fairly standard coverage for most homeowners insurance companies. It is difficult to evaluate if the company offers additional options, or if its rates are similar to other companies. But overall, with its long history of protecting homes in New England, Hingham provides good homeowners insurance.

Is Hingham a good insurance company?

Hingham was founded in 1826, and its parent company NLC Insurance Companies was founded in 1840. Together with their other affiliates, they have extensive experience offering property and casualty insurance to individuals and businesses in New England. The company’s product offerings appear to be simple, reliable, and easy to understand. All in all, Hingham can be considered to be a good insurance company.

The Hingham Group Customer Reviews

Clearsurance
“I’ve had the Hingham Group for homeowners insurance for about four years now. I am content with the quality of service, and have no complaints about them. Good people over the phone.”


Clearsurance
“Had ice dam damage last year that amounted to over $16,000.00 in claims. The adjuster was on site 3 days after I called the company and I had the appraisal in about 2 weeks. A check followed 4 days later. When the walls were opened, there was unseen damage to the insulation that also had to be replaced. An additional check was in hand 2 weeks later. Quick and fair response.”


TrustedChoice.com's Final Review

We award the Hingham Group a final rating of 2.75 out of 5 stars. To begin with, Hingham and its parent company NLC Insurance Companies have a long history in the property and casualty industry in New England. Its high ratings from AM Best and the BBB speak to its financial strength, one of the most important factors in choosing an insurance company.

The carrier provides a variety property and casualty insurance options (car insurance, home insurance, business insurance, etc.) for individuals and businesses. The company website does not offer a lot of details about its coverage options, but its policy offerings seem fairly standard, reliable, and easy to understand.

Hingham’s identity is mostly eliminated by its affiliation with NLC Insurance Companies. Anyone specifically looking to purchase coverage from Hingham will have a hard time. We found a few customer satisfaction reviews, and most were very positive. Hingham has a good reputation in New England.

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