Insurance Services

With insurance services from Howe / First Assurance Associates you can count on personal attention. Whether you need coverage for your home, auto, or business, we’ll find the best coverage for the best price for your situation.


Insurance services for commercial owners include:

  • Property
  • General Liability
  • Workers Compensation
  • Commercial Auto
  • Directors and Officers Liability
  • Employment Practices Liability
  • Cyber Liability
  • Errors and Omissions Liability
  • Flood

Did you know that the very materials used in construction of your property can affect the insurance rates? Let Howe / First Assurance Associates review and evaluate your insurance needs. We can make sure you have the coverage to keep you and your property safe. Our evaluation includes ideas on maximizing loss prevention opportunities available to you.

There are a number of different types of coverage available for your home:

  • Homeowners (HO3), Condominiums (HO6), Renters (HO4)
  • Replacements Cost Coverage for your dwelling and contents
  • Personal Liability
  • Umbrella Liability

Howe/First Assurance Associates can craft a policy to suit your needs, and your pocket book, from complete homeowners coverage (dwelling and contents), to coverage for specific exposures, i.e. jewelry, furs, silverware, or hard to cover dog breeds. Let our agents put your homeowner’s policy together.

From personal vehicles to commercial fleets Howe / First Assurance Associates can tailor your program with liability and physical damage coverage as needed:

  • Liability Coverage
  • Collision Insurance
  • Comprehensive Insurance including full glass
  • Uninsured Motorist Protection
  • Medical and Personal-Injury Protection
  • Rental Reimbursement
  • Towing & Labor/Roadside Assistance
  • Gap Insurance

Your account is not handled “by committee.” Our personal attention to your insurance needs assures you are getting the right coverage to meet your specific situation. At Howe / First Assurance Associates, we are proud to offer insurance services from these top rated insurance carriers:

The Hartford
Harleysville Logo
Utica First
Quincy Mutual
MSA Group
Uniton Mutual of VT