Personal Insurance
Our Products
Auto Insurance
As your trusted, local insurance professionals, we pride ourselves in the ability to secure you with the most dependable car insurance without the complications of your average insurance company.
Auto insurance protects you from loss in the event of an unfortunate accident. It is vital drivers enroll in a dependable auto coverage program. The team at Cantiani Insurance Agency uses its car insurance strategies to ensure your coverage is highly dependable. We rely on our comprehensive insurance products to custom build a policy that meets all of your car insurance needs.
Auto Insurance FAQs
Does auto insurance cover mechanical breakdowns?
Auto insurance generally does not cover normal mechanical breakdowns or wear and tear. Insurance policies in Massachusetts are designed for sudden and accidental damage rather than routine maintenance or mechanical failures.
Does auto insurance cover business use of a vehicle?
Personal auto insurance may provide limited coverage for business use, but it depends on how the vehicle is used. Drivers in Worcester who regularly use vehicles for work may need commercial auto insurance.
Does my insurance cover rental reimbursement after an accident?
If you have rental reimbursement coverage, it can help pay for a rental car while your vehicle is being repaired after a covered claim. Be sure to check your policy’s daily and total coverage limits.
What is uninsured motorist coverage?
Uninsured motorist coverage can help protect you if you’re hit by a driver who doesn’t have auto insurance. Depending on your policy in Massachusetts, it may help cover medical bills, lost wages, and other expenses after an accident.
Does auto insurance cover hitting a deer?
Yes. If you have comprehensive coverage, it will typically help pay for damage caused by hitting a deer or other animals.
What happens if I let my auto insurance lapse?
Allowing your auto insurance to lapse can lead to fines, registration issues, higher future rates, and gaps in protection. Drivers in Massachusetts should avoid coverage interruptions whenever possible to maintain continuous insurance history.
Can I get insurance for a financed vehicle?
Yes, financed vehicles can and should be insured. Lenders in Worcester, Massachusetts typically require drivers to carry full coverage auto insurance until the loan is fully paid off.
Is full coverage required on a financed vehicle?
Most lenders require full coverage auto insurance on financed vehicles. This usually includes liability, collision, and comprehensive coverage to help protect the lender’s financial interest in the vehicle.
Does working from home affect auto insurance?
Working from home can sometimes lower auto insurance costs if it reduces your daily commute and annual mileage. Drivers in Massachusetts should update their insurance company if their driving habits have changed significantly.
Why are auto insurance rates different between companies?
Homeowners Insurance
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Cantiani Insurance Agency helps you find the home insurance that will meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings.
Renters/Condo Insurance
Home is where you keep the things that matter to you. Renters Insurance can help you protect your valuables if something bad happens to it or your rental. The coverage is dependable and costs less than you might think—in some cases, it costs as much as your morning latte. Talk to an agent about a renters insurance quote now.
Flood Insurance
Floods can occur as a result of a storm, melting snow, hurricane, water backup due to inadequate or overloading drainage or a broken water main. FEMA estimates that 30% of flood claims are filed by homeowners living in low to moderate flood risk areas.
If you are not sure whether you need flood insurance, we can review with you the flood policies we offer and determine your insurance needs. Don’t wait until it is too late to find out you should have a flood insurance policy.
Umbrella Insurance
You already understand the importance of quality insurance coverage. Now you’re interested in extending coverage to ensure extra protection. It only takes one accident or event to stretch your policies to their limits.
Umbrella Insurance can fill those gaps in coverage. It pays the difference between a liability claim against you and what your insurance pays. This type of insurance really comes in to help when you may need it most.
Contact the Cantiani Insurance team today and let us provide an extra layer of security with a reliable Umbrella Insurance policy.
Motorcycle Insurance
Just like riding a motorcycle is different than riding in a car, motorcycle insurance is different than auto insurance. There are parts of a motorcycle insurance policy that are mandatory and then there a number of add-ons available. Deciding what should be included in your motorcycle insurance policy can become confusing. At Cantiani Insurance Agency, we are here to guide you through the different options available to you and help you decide which items fits your motorcycle insurance needs.
Recreational/Off Road Vehicle Insurance
A recreational vehicle shares the road with other automobiles so you may think an auto insurance policy is all you need to cover your home away from home. However, an auto insurance policy misses many of the items you will find in a specialized recreational vehicle insurance policy.
At Cantiani Insurance Agency, we provide you with the recreational vehicle or camper coverage that fits your individual situation.
We offer the following options for Recreational Vehicle Insurance:
- Total loss replacement
- Replacement cost of personal belongings
- Emergency expense coverage
- Comprehensive coverage
- Towing and roadside assistance
- Full-time liability
- Stationary coverage
- Medical insurance coverage
- Uninsured motorist coverage
- Suspend collision coverage when in storage
We understand that it is a common assumption a homeowners or auto insurance policy will cover any damages or liabilities caused while operating an off-road vehicle. Don’t wait until it’s too late to find out that assumption is incorrect. An accident that causes damage to your four-wheeler or snowmobile can be very costly without the right insurance coverage.
Our agents understand the importance of providing you with an off-road vehicle plan. We listen to you as you describe your off-road experiences and then decide which type of coverage fits your unique needs.
We offer the following options for Off-Road Insurance
- Bodily Injury Liability
- Property Damage Liability
- Collision Coverage
- Comprehensive Coverage
Let's Get in Touch
We would appreciate the opportunity to present our services.
The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.
Two locations to serve you
Cantiani Insurance Agency
(508) 791-2088
Fax (508) 799-0663
318 Plantation Street
Worcester, MA 01604
Summer Hours:
East Douglas Insurance
(508) 476-2101
Fax (508) 476-1296
P.O. Box 1370, 306 Main Street
Douglas, MA 01516
Summer Hours:
