Request an Insurance Quote for Martha’s Vineyard
Sterling Insurance Group helps homeowners, seasonal residents, landlords, and businesses explore insurance options for properties and vehicles across Martha’s Vineyard, Cape Cod, Nantucket, Boston, and coastal Massachusetts. Whether you are looking for coverage for a primary residence, a seasonal home, a rental property, a condominium, new construction, or personal auto, our team can help you start the quote process and review options based on your property type, occupancy, and insurance needs.
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Insurance Quote Proposal Options
Choose the quote type that best matches your property or insurance need. If you are insuring a waterfront home, high-value residence, seasonal property, or another complex coastal risk, start with the closest fit and our team can help guide the review.
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Primary Home
Your primary home is the place you are registered to vote and spend a majority of your time.
Request a quote for a full-time residence on Martha’s Vineyard, Cape Cod, or Nantucket. This is the best starting point for owner-occupied homes, including higher-value homes where rebuilding costs, coastal exposure, and liability limits may need a closer review.
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Secondary or Seasonal Home
A home you stay in for periods of time and your primary home is elsewhere. Sometimes we also rent the home.
Use this form for a second home, vacation home, or other part-time residence. Seasonal and secondary properties often raise different questions around occupancy, winterization, liability, storm exposure, and coordination with other personal insurance policies.
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Full-Time Rental Home
This home is rented a majority of the year and your primary residence is elsewhere.
Use this form if the property is tenant-occupied on a full-time basis. Rental properties often require a different coverage structure than owner-occupied homes, especially when considering building coverage, liability, loss of rents, and property condition.
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New Construction
You are either building a new home or doing a major renovation on more than 50% of an existing home.
Use this quote request for a home under construction, major renovation, or project nearing completion. This helps us review builder’s risk, construction-phase exposures, and the transition to permanent homeowners coverage once the home is complete.
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Condominium
For Condo Units where you own the unit but share portions of the building through an association of fellow unit owners.
Use this form for condominium units and similar ownership structures. Condo insurance often depends on how the unit-owner policy coordinates with the association’s master policy, building responsibilities, and personal property needs.
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Tenant
Renters insurance for the primary place you live in but do not own.
Use this form if you rent your home or apartment and need renters insurance. Tenant coverage can help protect personal belongings, liability exposure, and certain additional living expenses, subject to the policy selected and carrier terms.
Select Quote Request Below
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Auto Quote
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Real Estate Bond
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Life
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Special Event
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Boat
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Motorcycle
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Commercial
Why clients start their quote with Sterling
Sterling Insurance Group works with homeowners, seasonal residents, landlords, and families across Martha’s Vineyard, Cape Cod, and coastal Massachusetts who want a more thoughtful starting point for their insurance quote. Because coastal properties, second homes, rental homes, and higher-value residences often raise different insurance questions, our team begins by understanding how the property is used, where it is located, and which options may be worth reviewing.
Independent agency access to a range of insurance options.
Experience with primary homes, seasonal properties, rental homes, and coastal residences.
Local familiarity with island property ownership and coastal insurance considerations.
Help evaluating options for more complex personal insurance and higher-value home situations.