Lowell, Massachusetts Insurance

Local Lowell, Massachusetts insurance coverage that fits your family & business needs, with a team that knows your name.

Home, auto, and landlord insurance in Lowell, Massachusetts

Lowell sits on the Merrimack River, birthplace of the American industrial revolution, with historic mill buildings, Lowell National Historical Park, and UMass Lowell.

Older homes and multi-families

We shop homeowners and landlord coverage for older homes and multi-families, and explain options in English or Spanish.

River flooding

The Merrimack and Concord Rivers flooded parts of the area in 2006 and 2007. We quote flood insurance separately.

Students and autos

We write renters insurance for UMass Lowell students and auto insurance for drivers on Route 3 and I-495.

Your insurance team for Lowell, Massachusetts

We work with Lowell households and business owners, and also serve nearby Chelmsford, Dracut, Tewksbury, and Billerica, along with communities across Massachusetts.

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Vehicle Insurance

Auto Insurance

Classic Car Insurance

Motorcycle Insurance

Boat Insurance

RV & Trailer Insurance

Golf Cart Insurance

Power Sports Insurance

ATV/UTV Insurance

Property Insurance

High Value Properties

Home Insurance

Condo Insurance

Landlord Insurance

Flood Insurance

Earthquake Insurance

Course of Construction

Renters Insurance

Personal Insurance

Life Insurance

Umbrella Insurance

Jewelry & Valuables

Pet Insurance

Insurance coverage for your business.

No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages.

General Liability

Provides coverage for third-party claims related to bodily injury, property damage, and advertising injuries. General Liability covers injuries occurring on your business premises or business activities that cause damage to someone else’s property.

Commercial Auto

If your business owns vehicles used for business purposes, such as delivery trucks or service vehicles, commercial auto insurance provides coverage for those vehicles. This includes liability for accidents and physical damage coverage for the vehicles.

Business Owners Policy

Combines general liability and property insurance into one package tailored for small to medium-sized businesses. It covers property damage, bodily injury, and business interruption, offering protection against accidents on your premises and damage to your business property.

Commercial Property

Covers damage to your business’s physical assets such as buildings, equipment, inventory, and furniture. It protects against losses due to fire, theft, vandalism, and natural disasters, ensuring your business can recover and continue operations after an unexpected event.

Builders Risk

Covers buildings and structures under construction, providing protection against damage from fire, theft, vandalism, and certain weather events. It includes coverage for materials, equipment, and supplies on-site, in transit, or stored off-site, ensuring your construction project is safeguarded until completion.

Garage Keepers

Protects businesses against damage or theft of customers’ vehicles while in their care, custody, or control. This includes coverage for vehicles during service, repair, storage, or parking. It offers protection against fire, vandalism, collision, and theft, ensuring financial security for automotive businesses such as repair shops, body shops, and parking services.

Commercial Trucking & Fleets

We understand the risks business owners face, especially in trucking and transportation. Elye Insurance builds coverage designed for real-world operations.

Commercial trucking and fleet insurance
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Our Agency

We go beyond writing policies.

Established by Michael Urbano in 2010, Elye Insurance has belonged to the Mission Viejo community for more than two decades, guiding families, homeowners, and local businesses to the right protection for every stage of life.

We do more than sell policies; we build relationships. Our team takes time to learn your needs, your goals, and your story, so we can design insurance solutions that give you true peace of mind.

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Founder's Message
Michael Urbano, founder of Elye Insurance in Mission Viejo California

"Elye Insurance exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals."

Since 2010, we’ve committed ourselves to protecting families & businesses with tailored insurance solutions grounded in honesty, education, and care.

Michael Urbano
Founder, Elye Insurance

Elye Insurance

Guarding what matters most for families & businesses since 2010.
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At A Glance
3,956+
Clients Helped
16+
Years Serving
99%
Client Satisfaction
100+
Insurance Carriers
Happy family living in Lowell, Massachusetts with proper insurance coverage

Your trusted insurance advisor in Lowell, Massachusetts providing insurance solutions for every stage of life.

Insurance services offered by Elye Insurance in Lowell, Massachusetts.

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It takes roughly 5 minutes, with no obligation.

Founded by Michael Urbano