Concord Group
- Far fewer consumer complaints than expected.
- Lots of discounts available.
- Offers a “green” endorsement to help you rebuild in an eco-friendly way.
- No online quotes or claim filing.
- Serves only a handful of states.
About Concord Group home insurance
The Concord Group sells homeowners insurance through independent agents across New England. It earned a NerdWallet rating of 4.4 stars out of 5, ranking highly for its financial strength and discounts. You may want to consider Concord Group home insurance if you live in New England and prefer to work with an independent agent to get the coverage you need.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Where The Concord Group home insurance stands out
Consumer satisfaction. The Concord Group draws far fewer customer complaints to state regulators than expected for a company of its size, suggesting that most of its policyholders are satisfied with their coverage.
Discounts. The Concord Group offers plenty of ways to save money on your policy.
Eco-friendly coverage option. You can add a “green” endorsement to your policy if you want to use eco-friendly materials to make repairs after a claim.
Where The Concord Group home insurance falls short
Online services. You’ll have to pick up the phone to get a quote or file a claim, which isn’t ideal for people who prefer to transact online.
Availability. The Concord Group doesn’t sell policies outside of a few New England states.
What Concord Group home insurance covers
These types of home insurance coverage generally come standard:
- Dwelling
Dwelling coverage pays to repair or rebuild the structure of your home after a covered event. It also covers attached structures, such as porches.
Typical amount: Enough to rebuild your home.
- Other structures
Other structures coverage pays to repair or rebuild stand-alone structures on your property, such as a fence or shed.
Typical amount: 10% of dwelling coverage.
- Personal property
Personal property coverage pays to repair or replace stolen or damaged belongings. Personal property coverage comes in one of two options: actual cash value or replacement cost.
Typical amount: 50-70% of dwelling coverage.
- Loss of use
Loss of use coverage, sometimes known as additional living expenses coverage, helps pay temporary living expenses while your home is being repaired. This can cover hotel stays, home rentals and meals.
Typical amount: 20% of dwelling coverage.
- Personal liability
Personal liability coverage pays if you injure someone or cause property damage unintentionally or through neglect.
Typical amount: $100,000 to $500,000.
- Medical payments
Medical payments coverage pays to treat someone injured on your property, regardless of who’s at fault. It also pays if you, a family member or a pet injures someone away from your home.
Typical amount: $1,000 to $5,000.
For more details, see What Does Homeowners Insurance Cover?
Optional Concord Group home insurance coverage
Aside from the basics, The Concord Group offers a variety of optional coverage types that you can add to your policy. These may include:
Guaranteed replacement cost coverage for your home, in case it costs more than expected to rebuild after a fire or other disaster.
Water backup coverage for damage from stopped-up sewers and drains.
Ordinance or law coverage to bring your home up to current building codes after a covered claim.
Special personal property coverage, which insures your belongings for a wider variety of problems such as a lost phone or stained couch.
Equipment breakdown coverage in case a major appliance or home system fails.
Service line coverage for damage to underground utility lines connected to your home.
Identity theft insurance to help with recovery expenses.
Green endorsement, which pays to use eco-friendly materials when repairing your home after a claim.
What’s not covered
Concord Group homeowners policies may not cover damage from:
Neglect or lack of maintenance.
Landslides, mudslides or mudflow.
Most flood insurance in the U.S. is provided by the federally funded National Flood Insurance Program. However, private flood insurance may also be available to you. Learn how to find the best flood insurance.
Where Concord Group home insurance is available
Policies from Concord Group Insurance are available through independent agents in Maine, Massachusetts, New Hampshire and Vermont.
- Find the best home insurance in your state
Concord Group home insurance rates
Concord Group homeowners insurance tends to be cheaper than average, according to NerdWallet’s rate analysis.
State | State average | Concord rate |
|---|---|---|
$1,180 | $885 | |
$1,085 | $1,170 | |
$950 | $700 | |
No data was available for the cost of Concord Group home insurance in Massachusetts. | ||
Our sample rates are for 40-year-old homeowners with good credit, a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Discounts
Discounts may be available for:
Bundling home and auto insurance.
Having smoke detectors, alarm systems or other protective devices.
Going for a certain amount of time without filing any claims.
Having an automatic backup generator.
Signing up for electronic document delivery.
Not having a mortgage or line of credit on your home.
Getting a homeowners quote in advance of when you need the policy to start.
Owning a home that's less than 15 years old.
Paying your premium in full each year.
Having a system that automatically shuts off your home’s water if it detects a leak.
» MORE: The cheapest home insurance
Consumer complaints
One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. The Concord Group scores highly on this measure, drawing a very low proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
How to file a claim with The Concord Group
To file a claim, you’ll need to contact your independent agent or call The Concord Group directly. Each state has its own claim support number, which you can find here.
Here are some key things to remember when filing a home insurance claim:
Document the damage. Take photos and create an inventory of damaged items. Provide details like labels and model numbers if possible, especially for more expensive items. Once you've documented the damage, you can make temporary repairs if it's safe to do so.
File your claim as soon as possible. This is especially important if the damage was caused by a storm, as it likely means other homes in the area were also affected.
Save your receipts. You may end up spending money on temporary repairs or living expenses before getting a payment from your insurance company. Keep all receipts so you can submit them for reimbursement later.
For more information, see how to file a home insurance claim.
How to contact Concord Group customer service
Phone: If you need help with your policy, your primary point of contact will likely be your local agent. However, you can also call The Concord Group at 800-852-3380.
Email: You can send an email through the company’s contact page.
Online tools
Website: The Concord Group’s website offers a customer portal where you can pay bills, see policy details and sign up for electronic documents. However, you can’t get quotes or file claims on the site.
Mobile app: The Concord Group’s mobile app has similar features, including access to policy documents and bill payments. You can also set up autopay. However, the app’s poor ratings suggest that it may be difficult or impossible to use for some policyholders.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
- See all NerdWallet home insurance reviews
How we rate homeowners insurance
NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.
In our research, we analyzed:
More than 270 million homeowners insurance rates.
More than 100 insurance companies.
Nearly 200 homeowner profiles.
View our complete homeowners insurance rating methodology.
Frequently asked questions
Is The Concord Group a good insurance company?
Is The Concord Group a good insurance company?
NerdWallet awarded The Concord Group 4.4 stars out of 5, thanks to its financial strength, low number of consumer complaints and many discounts.
Who owns Concord Group Insurance?
Who owns Concord Group Insurance?
Concord Group Insurance has been affiliated with Auto-Owners since 2017.
What other types of insurance does The Concord Group sell?
What other types of insurance does The Concord Group sell?
In addition to homeowners insurance, The Concord Group also offers auto, boat, condo, umbrella and business insurance, among other policies. It sells pet insurance through a partnership with Figo.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverage, discounts, claims process and website functionality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
