Bailey Howes Insurance

Bailey Howes Insurance Enjoy peace of mind knowing your family, business and assets are protected. Our team members are her *Coverage cannot be bound via social media.

To make changes to your policy, you must talk to an agent. *

Howes Insurance Group's consultative process and on-demand interactions protects and preserves the financial wealth of our client family, giving them one less thing to worry about.

If you own a business, you've probably noticed something over the years.Your business doesn't stay neatly inside the off...
08/25/2026

If you own a business, you've probably noticed something over the years.

Your business doesn't stay neatly inside the office walls. It often affects your personal life, too.

It pays for family vacations. It helps maintain your home. It travels with you wherever you go.

That's why we don't think of business insurance as something separate from the rest of your insurance program.

When we work with business owners, we start by understanding the whole picture: your business, your family, your goals, and everything in between. From there, we can help ensure your business coverage works alongside your home, auto, umbrella, and the rest of your insurance strategy.

For many clients, a Business Owner's Policy is the right solution. But the conversation is never about one policy. It's about protecting everything you've worked hard to build.

The start of a new school year usually brings more changes than we realize.A teenager starts driving more. A college stu...
08/20/2026

The start of a new school year usually brings more changes than we realize.

A teenager starts driving more. A college student moves into an apartment. Laptops, bikes, and other valuables are constantly on the move. Family routines shift, and sometimes your insurance needs do, too.

That doesn't automatically mean you need to make changes. But it's a good time to review how your coverage works together and whether it still fits your family's life today.

Here are five questions worth asking before the school year begins.

Most of us assume the other driver's insurance will take care of everything after an accident.Unfortunately, that's not ...
08/19/2026

Most of us assume the other driver's insurance will take care of everything after an accident.

Unfortunately, that's not always the case.

If the driver who caused the accident has little or no insurance, your own policy may become an important source of financial protection. That's where Uninsured and Underinsured Motorist Coverage comes in. It can help protect you if you're injured by an uninsured or underinsured driver, whether you're behind the wheel, walking as a pedestrian, or riding a bicycle.

It's one of the more misunderstood parts of an auto insurance policy, which is why we encourage clients to review it from time to time. The goal isn't simply to have coverage—it's to understand how it works before you ever need it.

If it's been a while since you've reviewed your policy, we'd be happy to have that conversation.

08/18/2026

Bailey & Howes is happy to once again support the CCHS Patriots Football team!

We’re proud to be part of a community that shows up for its students, athletes, and local programs. Wishing the Patriots a great season ahead! 🏈

For many professionals, insurance decisions haven't changed much since their first apartment or first car.But life chang...
08/13/2026

For many professionals, insurance decisions haven't changed much since their first apartment or first car.

But life changes.

A new condo. A luxury vehicle. Growing savings and investments. More time spent hosting, traveling, and building toward the future.

As your financial life becomes more complex, your insurance strategy should evolve with it.

The goal isn't simply to insure what you own today. It's to help protect what you're building for tomorrow.

08/11/2026

A second home often comes with different considerations than a primary residence.

Seasonal occupancy, rental activity, waterfront exposures, and property management arrangements can all influence coverage needs.

The details matter, especially when a property serves multiple purposes throughout the year.

Most coverage gaps are not created by claims.They're created by life changes.A home renovation.A new vehicle.More time s...
08/06/2026

Most coverage gaps are not created by claims.

They're created by life changes.

A home renovation.

A new vehicle.

More time spent traveling.

A growing family.

The rising cost to rebuild a home.

The challenge is that these changes rarely happen all at once. They happen gradually, often over years, while insurance coverage stays exactly the same.
That's why regular conversations matter.

At Bailey Howes, we take a holistic approach to understanding what's changed, what you've built, and whether your coverage still reflects your life today.

Because life's biggest changes don't always come with a reminder to update your coverage.

 

Here's something we see fairly often:Someone reviews their insurance for the first time in years and realizes their life...
08/04/2026

Here's something we see fairly often:

Someone reviews their insurance for the first time in years and realizes their life has changed a lot more than their coverage has.

That's not unusual. It happens gradually.

Your home appreciates. Your investments grow. Your children start driving. You purchase a second home. Before you know it, you have more to protect than you did when your liability limits were first selected.

That doesn't automatically mean you need more coverage. It does mean it's worth making sure your insurance has kept pace with your life.

We recently put together an article that walks through the questions we encourage clients to consider when reviewing their liability coverage.

Read it here: https://bit.ly/4yPLu2z.

07/30/2026

For many property owners, a rental home represents more than real estate.

It's an investment. A source of income. Part of a long-term wealth strategy.

As that investment grows in value, so do the responsibilities that come with it.

From property damage and liability concerns to tenant-related exposures, rental properties often require a different level of planning than a primary residence.

At Bailey Howes, we work with property owners to help ensure their coverage strategy reflects the role these assets play in their broader financial picture.

Success often brings new responsibilities.From household staff to evolving family needs, certain life changes can introd...
07/28/2026

Success often brings new responsibilities.

From household staff to evolving family needs, certain life changes can introduce exposures that standard insurance conversations don't always address.

Our latest article explores one area many families overlook: https://bit.ly/4wqpVUD.

Address

2250 Main Street Suite 100
Concord, MA
01742

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+19783690677

Website

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