Offering Outstanding Service

When it comes to protecting what matters most, having the right insurance coverage isn’t just important—it’s essential. At Cloutier Insurance Agency, we understand that no two clients are the same, which is why we offer personalized insurance solutions designed to meet your unique needs. Based in Dracut, MA, and proudly serving clients throughout Massachusetts and New Hampshire, we’ve built our reputation on honesty, reliability, and exceptional customer care.

Our team is passionate about helping individuals, families, and businesses find the right insurance coverage to safeguard their assets and plan for the future.

With decades of experience, Cloutier Insurance Agency has become a trusted name in the region, offering a full spectrum of insurance products to meet a wide variety of needs. From everyday necessities like car insurance and home insurance to specialized options like flood insurance and commercial insurance, our goal is to simplify the insurance process and make sure our clients are fully protected. Whether you’re a first-time homeowner, a small business owner, or simply looking to review your existing policies, we’re here to guide you every step of the way. Our licensed insurance agents take the time to listen, evaluate your situation, and recommend coverage that fits your lifestyle and budget.

Why Choose Cloutier Insurance Agency?

Choosing an insurance agency can feel overwhelming, but Cloutier Insurance Agency stands out thanks to our commitment to personalized service. We believe that insurance is more than just a policy—it’s about building relationships and being there when our clients need us most. When you work with us, you’re not just another number. You’ll get a real person—an experienced insurance agent—who’s ready to answer your questions, explain your options, and help you make informed decisions.

Our agency represents a wide range of top-rated insurance carriers, allowing us to compare multiple plans and find coverage that truly fits your needs. We don’t push one-size-fits-all solutions. Instead, we take a consultative approach, making recommendations based on your goals, lifestyle, and financial situation. Whether you’re renewing an old policy or purchasing new coverage, our mission is to make sure you feel confident, informed, and protected.

Comprehensive Insurance Services Tailored to You

At Cloutier Insurance Agency, we’re proud to offer a broad selection of insurance products. Our services are designed to protect every aspect of your life and business, giving you peace of mind no matter what the future holds. Below are some of the core offerings we provide:

1. Car Insurance: Accidents, theft, weather damage—there are countless ways your vehicle could be affected. That’s why car insurance is a must for every driver. We work with a variety of insurance providers to find affordable, comprehensive auto policies that protect you, your passengers, and your vehicle.

Whether you’re looking for basic liability coverage or full collision and comprehensive protection, we’ll help you find a plan that suits your needs and budget.

We also offer guidance on optional coverages such as uninsured motorist protection, roadside assistance, and rental reimbursement. Our goal is to help you understand your options and ensure that you’re fully protected on the road.

2. Home Insurance: Your home is one of your most valuable assets, and protecting it should be a top priority. Our home insurance policies provide protection against a variety of risks, including fire, theft, storm damage, and liability. We take the time to understand your property’s unique features and recommend coverage that fits your specific situation.

Whether you’re a first-time homebuyer, a long-time homeowner, or own a vacation or rental property, we can help. Our experienced insurance agents will walk you through every step of the process and help you secure a policy that gives you confidence and security.

3. Commercial Insurance: Running a business comes with its fair share of risks—but the right commercial insurance can give you the protection and flexibility to grow with confidence. At Cloutier Insurance Agency, we help businesses of all sizes find tailored insurance solutions to protect their operations, employees, and assets.

Our commercial offerings include general liability, commercial property, workers’ compensation, commercial auto insurance, and more. Whether you own a small retail shop, a growing service company, or a multi-location enterprise, we’ll work with you to assess risks and recommend policies that fit your industry and budget.

4. Life Insurance: Nobody likes to think about the end of life, but planning ahead with life insurance is one of the most thoughtful and responsible things you can do for your loved ones. At Cloutier Insurance Agency, we offer a range of life insurance options to provide financial security for your family if the unexpected happens.

From term life insurance for affordable short-term protection to permanent life insurance options like whole or universal life, we’ll help you evaluate your needs and choose a policy that aligns with your long-term goals. Whether you’re looking to replace income, cover final expenses, or leave a legacy, we’ll make sure you have the information you need to make the right choice.

5. Flood Insurance: Standard home insurance policies often don’t cover flood damage—which can be devastating in the event of severe weather. If you live in a flood-prone area or just want added protection, we strongly recommend exploring flood insurance options.

We help homeowners and business owners understand their flood risks and obtain policies that meet federal and lender requirements. Our insurance agents are well-versed in FEMA flood zone designations and can walk you through your coverage options in clear, simple terms.

Additional Insurance Options

In addition to the core offerings above, our insurance agency also provides coverage for:

• Mobile homes
• Boats and recreational vehicles
• Jewelry and fine art
• Rental properties
• Umbrella insurance (to extend liability limits)

If you have unique insurance needs, we’re happy to help. Our team is experienced in designing custom insurance solutions that address niche or complex risks.

Personalized Service You Can Count On

One of the key advantages of working with an independent insurance agency like Cloutier Insurance is the level of personalized care you receive. Unlike big-name corporations, we’re part of your community—we live and work in the same neighborhoods, and we understand the challenges you face. Our office is always just a phone call away, and we take pride in being responsive, approachable, and proactive in managing your insurance needs.

We don’t just help you buy insurance—we help you understand it. From explaining policy terms to assisting with claims, we’re your ongoing partner in protection. If your situation changes—whether you move, buy a new vehicle, start a business, or welcome a new family member—we’ll be there to adjust your coverage accordingly.

Work with a Dedicated Insurance Agent Today

At Cloutier Insurance Agency, we go beyond just selling policies—we build relationships that last. Our experienced insurance agents take the time to understand your specific needs, answer your questions, and guide you through the decision-making process with care and transparency. Whether you’re in the market for car insurance, home insurance, commercial insurance, life insurance, or flood insurance, we’re here to help you find the right policy at the right price.

Insurance doesn’t have to be confusing or impersonal. When you work with our insurance agency, you’re choosing a team that values integrity, service, and your peace of mind. Contact Cloutier Insurance Agency today to schedule a consultation and discover how we can help protect what matters most—now and for the future.