S&S Personal Insurance Lines

Your Personal Insurance needs are not the same as your friends and neighbors. Your homes are different. Your possessions are different. Your Homeowners and Personal Automobile exposure to risk is just not the same as others. You have individual requirements that need to be treated as such.

personal insuranceAt Starkweather & Shepley, we:

  • Design Homeowners, Personal Automobile, and Yacht policies to fit your individual requirements by undergoing a risk analysis
  • Evaluate your Personal Insurance exposures to be sure that we are properly protecting your Personal assets from loss & liability
  • Represent premier Personal Insurance carriers including Chubb, Chartis, P.U.R.E., and others.
Commerce InsuranceNew London County InsuranceAIGNarragansett Bay Insurancepure insurance logo
Pure InsuranceChartis InsuranceLloyds of LondonChubb Insuranceselective insurance group logo


personal automobile insuranceBuying automobile insurance can be confusing and time consuming. At Starkweather & Shepley, we take the time to explain your coverage, the options available and why you need what you purchase. We try to dispel the mysteries of auto insurance.

  • Liability
  • Collision
  • Comprehensive

Other coverage available includes:

  • Medical payments for you and your passengers
  • Uninsured Motorists – protects you and your passengers if injured in an accident with a driver with no coverage
  • Towing and Labor
  • Rental Reimbursement


Homeowners InsuranceYour home is probably your most valuable asset. At Starkweather & Shepley our utmost concern is helping you determine the proper replacement value of your residence and then providing you with the broadest coverage for the best price.

Take the guess work out of establishing how much to insure your home. Contact us for assistance in developing an estimated replacement cost for your home. This can be done at no cost to you. We will review your existing coverages, ask the important questions and analyze your needs in order to design an insurance program that’s just right for you and your family.

Personal Estate Planning

Personal Estate Planning, Individual Life, Disability & Long Term Care

personal estate insuranceIf you have dependents, it is important to map out your financial plan with an agent you can trust. Starkweather & Shepley will work with you to find the most suitable plan to fulfill promises and obligations to the people you care about most. Find out how to protect yourself and your family in the event of an accident or long-term health issues.

Starkweather & Shepley’s service offerings include:

  • Mortgage Protection
  • College Education
  • Salary Continuation
  • Estate Planning
  • Key Person
  • Buy/Sell Programs
  • Deferred Compensation
  • Split Dollar Programs


personal umbrella insuranceYou collide with the car in front of you due to reduced visibility resulting in severe bodily injury to your passengers. Medical bills and damages amount to $475,000 but your auto policy pays the limit of $300,000. If found liable, how would you pay off the $175,000 balance?

Enormous liability claims and astronomical judgments are no longer the worry of only the super rich. Anyone can be sued for many reasons regardless of your income level. Insufficient coverage can result in financial disaster. Your current assets, earnings and even future earnings can be jeopardized. Contact Starkweather & Shepley to see how an umbrella liability policy can protect you where standard policies do not.


boat insuranceFor over a century, boat owners have depended on Starkweather & Shepley’s marine expertise. Whether you are insuring a 25 foot boat or a 150 foot yacht, count on us to advise you of changing boat insurance markets.


I have been a client of Starkweather & Shepley for the past 5 years, and the service has been incredible. The staff is great and always deliver what I need in a timely manner.

Rob T.

You are awesome. Thanks!!

Tom D.

Thank you so much! I now have my teenage son on our policy and you were very helpful with the process!

Maria S.

You are awesome!! That is serious customer service.

Gary G.

Thanks so much for all that you do, you know how to go above and beyond!

Phil S.

Now that’s what I call service. You’re the best Sheryl. I didn’t expect you to send them tonight, at best I thought I would receive them while I was at the DMV tomorrow.

I really appreciate you taking your personal time to do this.

Thank you.

Thomas C.Grafton MA

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