Office hours 8:30 AM – 4:30 PM (508) 888-2766 Pay a bill · Report a claim

Sandwich, MA · Serving Cape Cod since 1987

Insurance that knows the Cape.

Auto, home, flood, boat, business, life and health coverage from an independent agency built on personal, responsive service.

Free quote & insurance review with Helena: (508) 888-2766

Personal14 coverages
Commercial10 coverages
Life & Health7 coverages
Policy Service6 online tools

Coverage

Protect what matters most.

As an independent insurance agency, we work with a carefully selected network of respected carriers for personal, business, life, health and coastal property coverage.

  • 01

    Auto Insurance

    Massachusetts and Cape Cod auto insurance. Saving your family money is more important than ever.

    Get a quote
  • 02

    Homeowners Insurance

    Protect your most valuable asset with affordable homeowners insurance.

    Get a quote
  • 03

    Condo Insurance

    Protect your investment with coverage for upgrades you’ve made to your unit–like remodeling a bathroom or kitchen.

    Get a quote
  • 04

    Renters Insurance

    When your belongings are damaged… When something is stolen from your car…

    Get a quote
  • 05

    Flood Insurance

    Did you know your home is more likely to be damaged by a flood than by fire?

    Get a quote
  • 06

    Boat / Marine Insurance

    Protect your boat and gain peace of mind. Get the most out of the things you own without the worry about the unexpected.

    Get a quote
  • 07

    Personal Watercraft

    Whether you crave relaxed and leisurely sailing or feel the need for a little more speed, you need to be ready for the unexpected.

    Get a quote
  • 08

    Investment / Rental Property

    Whether you have multiple properties or a first-time landlord renting out your home, get the protection you need.

    Get a quote
  • 09

    Mobile / Manufactured Home

    Fire, windstorms and vandalism can take a toll on your mobile home, your pocket–and your peace of mind.

    Get a quote
  • 10

    Motorcycle Insurance

    When the road is calling you, the last thing on your mind is insurance. Our agency makes it easy to get the protection you need.

    Get a quote
  • 11

    Motorhome / RV Insurance

    The freedom that comes with owning a motor home is worth protecting. Whether you use your RV as a home or on occasion.

    Get a quote
  • 12

    Valuable Items

    Are your treasures really protected? Get peace of mind by covering for the replacement cost of your items.

    Get a quote
  • 13

    Personal Umbrella

    Home and auto insurance coverage may not be enough. An umbrella policy can protect your assets and future earnings in the event of a lawsuit.

    Get a quote
  • 14

    Wedding & Event

    Keep special occasions special. Even the best-planned events are at the mercy of the unexpected.

    Get a quote
  • 01

    Commercial Auto

    A commercial auto insurance policy is required under most cases when the vehicle is used for business purposes.

    Get a quote
  • 02

    Business Owners Package (BOP)

    A BOP contains many of the insurance coverages needed by most small businesses: property for building and contents, plus liability protection.

    Get a quote
  • 03

    Workers’ Compensation

    Fast, free & easy quotes. Small to large business workers’ compensation experts.

    Get a quote
  • 04

    Contractors General Liability

    For residential and commercial builders, contractors, managers, design & build firms, specialty contractors, owners or public and private construction projects.

    Get a quote
  • 05

    General Liability

    Intended to guard operators and owners of companies from claims that may come from a broad spectrum of sources.

    Get a quote
  • 06

    Professional Liability (E&O)

    Protects you and your company if a client alleges a financial loss from an error or omission in the delivery of your professional services.

    Get a quote
  • 07

    Commercial Property

    Protects your business against the loss or loss of use of company property: lost income, buildings, computers, money and valuable papers.

    Get a quote
  • 08

    Special Events

    Corporate event, rock concert or local flower festival: be covered for unexpected occurrences that may spoil the big day.

    Get a quote
  • 09

    Hotel & Motel

    Focus on occupancy and let us worry about the coverage, with exceptional customer service and competitive rates.

    Get a quote
  • 10

    Restaurants

    With long-standing experience we understand how restaurants work and which coverages are needed.

    Get a quote
  • 01

    Individual Life

    Secure your family’s financial future. We have Term Life, Universal Life, and Whole Life plans.

    Get a quote
  • 02

    Individual Health

    For individuals and families who cannot obtain health insurance through an employer, from numerous health insurance companies.

    Get a quote
  • 03

    Individual Dental

    Available to individuals and families not covered on group dental insurance.

    Get a quote
  • 04

    Individual Disability

    Income protection that is a must for a business owner and highly recommended for executives.

    Get a quote
  • 05

    Long-Term Care (LTC)

    Care at home or in a facility when someone needs help with bathing, dressing and daily living due to an accident, illness or age.

    Get a quote
  • 06

    Mortgage Protection

    A specialized life insurance policy designed to pay off your mortgage in the event of your death.

    Get a quote
  • 07

    Annuities

    Accumulate tax-deferred earnings for retirement, with lifetime payments and a guaranteed death benefit for your beneficiaries.

    Get a quote
  • Not sure what you need?

    Helena offers a free quote and insurance review at (508) 888-2766.

    Call now
Sandy Neck Lighthouse across Barnstable Harbor on Cape Cod

Coastal property coverage

Your homeowners policy doesn’t cover flood.

Flood insurance must be obtained separately, and your home is more likely to be damaged by a flood than by fire. Ask us about flood, boat and marine, and personal watercraft coverage for life on the water.

Ask about flood coverage

Policy Service

Handle it online, any hour.

We want to assist our customers any way we can. Change policy information, report claims or make a payment through our Policy Service Center.

Report a claim 24/7

By reporting your loss directly to the insurance company as soon as it happens, they can begin to handle your claim while keeping us informed and as involved as you need us.

Online billing & payments

Select your insurance company below. Carriers have extended hours and may be available when we are not. You can always contact our office to resolve billing questions.

Our insurance carriers include

UPC Insurance logo
CNA logo
Travelers logo
Norfolk & Dedham Group logo
Foremost Insurance Group logo
Mass Property Insurance logo
The Hartford logo
Harleysville, a Nationwide company logo
American Collectors Insurance logo
Safety Insurance logo
Imperial PFS logo
+ more
carriers
Helena M. Amorim, Owner and President
2006Helena becomes owner

About us

Relationships matter.

For decades, The Insurance Agency of Cape Cod has provided trusted insurance guidance to individuals, families and businesses throughout Cape Cod and Massachusetts. Based in Sandwich, our agency is known for personalized service, professional expertise and a strong commitment to protecting what matters most to our clients.

We believe insurance should be personal, responsive and built on trust. Our team is dedicated to delivering attentive service and long-term support for clients throughout every stage of life and business ownership.

Helena M. Amorim

Owner & President

Helena purchased the agency in 2006 and has continued to grow it through a strong commitment to client relationships, professional excellence and community involvement. She has served as President of the Cape Cod Insurance Association for more than 10 years and is a Board Member of the Massachusetts Property Insurance Underwriting Association (MPIUA).

[email protected]

Perry T. Penguin, agency mascot

Mascot

Perry T. Penguin

Perry joined the agency in 2011. Perry likes cold fish and good insurance.

[email protected]

Now welcoming

Intern position

Interns run the agency’s social media and marketing and learn a lot about insurance. No prior knowledge needed. Interested? Speak with Helena.

Free quote & insurance review

Send us your current policy. We’ll do the rest.

The fastest way to a quick, competitive quote: send a photo or scan of your current policy to Helena, or give us a call.

Blog

From the agency.

  • National Insurance Awareness Day 2020

    June 28th has been designated as “National Insurance Awareness Day”, a yearly reminder to review your insurance policies, your needs and your cost for these important coverages.

  • Umbrellas aren’t just for a rainy day!

    Read more about personal umbrella coverage with the agency.

  • Do I need it? Disability Rant…

    Read more about individual disability income protection.

  • 1st post: WHO I am and WHY I do what I do…

    My first post!

  • Site Launch

    Our new website is finally up. Thanks for reading our blog.

Contact

Come see us in Sandwich.

We welcome any questions, comments or suggestions you might have regarding our services.

Address
28 Route 6A
Sandwich, MA 02563
Fax
(508) 833-0909
Office hours
8:30 AM – 4:30 PM

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