Cape Cod’s Choice for Personal and Business Insurance

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Your Auto, Home, Flood and Business Insurance Experts

For more than 70 years, the homegrown and experienced team at Hart Insurance has used a highly-personalized approach to protect the financial well-being of fellow neighbors and business owners across Cape Cod and Southeastern Massachusetts. 

Cars going around the Cape Cod rotary

Auto Insurance

Drive confidently with proper protection from Hart Insurance. Our team of insurance professionals will take the time to get to know you first before placing your auto policy with one of the top insurance carriers.

House on Buzzards Bay

Home Insurance

The team at Hart will make sure that your home and everything that lives inside is adequately covered, allowing you to spend more time experiencing all the wonderful things Cape Cod has to offer its full-time residents.

Homes close to the water

Flood Insurance

A custom flood insurance policy means you can confidently plant your roots in a coastal town. We'll identify your exact needs and ensure that your property is financially covered from water damage, flooding, and more.

workers cutting downed tree

Business Liability Insurance

As a business owner on Cape Cod or around Southeastern, MA proper coverage for you, your company, and your reputation is non-negotiable. Safeguard everything you’ve worked so hard to build with a liability policy from Hart.

Commercial Trucks

Commercial Auto Insurance

Comprehensive commercial auto insurance is a must for small businesses and mid-sized organizations. So, whether you have one vehicle or an entire fleet, Hart will design an insurance policy that meets your exact needs.

Mezzaluna Restaurant, Bourne MA

Commercial Property Insurance

Commercial Property Insurance is an essential coverage for businesses of all sizes. Hart Insurance has the experience required to protect a single building, entire portfolio, or small at-home operation.

Chef Cutting Vegetables

Workers' Compensation Insurance

The knowledgeable team at Hart will not only help you find a competitive Workers’ Comp policy that protects your staff, but we will also make sure that you and your company’s financial well-being are looked after too.

Bourne Town Hall

Municipality Insurance

Local municipalities require an insurance program that addresses a variety of unique risks. With years of experience protecting towns, local government, and villages throughout the Cape, trust Hart to protect your community.

Bay Motel, Bourne MA

Hospitality Insurance

Make sure your hotel, motel, or inn is properly protected. Our dedicated team will guide you through the entire process to ensure that you, your property, your staff, and your guests are adequately covered in the event of a claim.

Where Tradition Meets Innovation

With almost a century of industry experience, Hart Insurance is the agency where long-established standards and modern advancements blend seamlessly. Since we first opened our doors to the public, nearly seven decades ago, our local family-owned agency has progressed quite a bit. However, despite modern improvements, our team remains grounded in our traditional core values - sincerity, transparency and loyalty, first and foremost. 

Why Hart Insurance?

Our team of knowledgeable professionals are committed to providing highly-personalized support to you and your family, plain and simple. From our comprehensive insurance solutions, to our in-house claims services, to complimentary registry runs, Hart has got you covered.

Custom Solutions For All

We don’t believe in a one size fits all approach, which is why we build personalized insurance plans that are tailored to meet your exact needs.

Clients Come First

Sincerity, dependability and loyalty are at the core of our agency’s identity. From anticipating your needs, to keeping you informed, to ensuring your coverages evolve as you do, at Hart, our clients are our number one priority.

Comprehensive Insurance Options

Proudly representing over 25 top-rated insurance carriers, our team is confident that we can protect you and everything you hold near. 

Conventional, Yet Progressive

We are a modern insurance agency whose foundation is rooted in traditional, old school values. 

Proudly Protecting Families & Businesses Since 1945