Business Details
50+ Years
experience
Your Trusted Insurance Partner on Cape Cod
Horgan Insurance Agency has been a trusted independent insurance provider on Cape Cod since 1945. Founded by Frank L. Horgan Sr., our agency has grown through strategic acquisitions while maintaining a family-owned ethos. We specialize in customizing personal and commercial insurance solutions, leveraging relationships with top-tier carriers to deliver comprehensive coverage. Our team of licensed professionals prioritizes personalized service, ensuring clients receive tailored protection for homes, vehicles, businesses, and unique assets.With over 75 years of local expertise, we combine deep community knowledge with industry-leading products to safeguard what matters most to our clients. Our commitment to accessibility and integrity has fostered multi-generational client relationships, reflected in testimonials from families and businesses insured with us for decades. We remain dedicated to evolving with client needs while upholding the standards of service established at our founding.
Services
Auto Insurance
Homeowners Insurance
Commercial Insurance
Umbrella Policies
Marine Insurance
Flood Insurance
Valuable Articles Coverage
Business Owners Policy
Workers Compensation
Life Insurance
Details
- Year established: 1945
Highlights and features
- We offer over 75 years of local insurance expertise on Cape Cod
- Our team provides personalized policy customization for unique needs
- We maintain relationships with top-tier insurance carriers for competitive rates
- Our staff handles claims with prompt, hands-on support
- We specialize in protecting high-value waterfront properties and specialty assets
What people say
Highest level of personal service
Treated like family
Prompt claims support
Seamless policy adjustments
Exceeded expectations
Services
Auto Insurance
We provide comprehensive auto insurance solutions for standard vehicles, collector cars, and motorcycles. Our policies protect against liability, collision, and uninsured motorists while offering competitive rates through multiple carriers. Specialized coverage options include antique auto protection and commercial fleet policies for businesses.
Homeowners Insurance
Our homeowners insurance covers primary residences, vacation homes, and high-value waterfront properties. Policies include structural protection, personal liability, and additional living expenses coverage. We specialize in hard-to-place risks and offer flood insurance as supplemental protection not included in standard policies.
Commercial Insurance
We design comprehensive commercial insurance programs for Cape Cod businesses, including liability protection, workers compensation, and business interruption coverage. Specialized options include software development liability, employment practices liability, and inland marine coverage for equipment. Policies are tailored to specific industries like restaurants and retail.
Umbrella Policies
Our umbrella insurance provides additional liability protection beyond standard auto and homeowners policies. This critical coverage safeguards against catastrophic claims, offering peace of mind for families and businesses facing potential lawsuits. Policies integrate seamlessly with existing coverage for comprehensive protection.
Marine Insurance
We offer specialized marine insurance for Cape Cod's unique boating environment, covering everything from small pleasure crafts to mega yachts. Our policies protect against collisions, weather damage, and liability claims while providing tailored solutions for seasonal use and high-value vessels.
Questions
What types of insurance do you specialize in?
We specialize in personal insurance (auto, home, marine) and commercial coverage for Cape Cod businesses, including unique risks like waterfront properties and seasonal operations.
How do you handle insurance claims?
Our team provides hands-on claims support, maintaining direct communication with clients throughout the process to ensure prompt resolution and minimal disruption.
Can you insure high-value properties?
Yes, we specialize in high-value waterfront homes and unique assets, offering tailored coverage solutions that standard policies typically cannot accommodate.
Do you offer business insurance for local companies?
We provide comprehensive commercial insurance for Cape Cod businesses, including liability protection, workers compensation, and industry-specific coverage for restaurants and retailers.
How do you help with policy customization?
Our agents work closely with clients to understand specific needs, combining multiple carrier options with specialized endorsements to create truly customized insurance solutions.
What makes you different from other agencies?
Our 75+ years of local expertise, multi-generational client relationships, and deep understanding of Cape Cod's unique insurance challenges set us apart from larger national providers.
