Leader Insurance

Most importantly, homeowner's insurance protects your home by making sure you're covered should something unexpected happen. Without coverage, you risk having to pay in full for replacements or repairs if something happens to your home or personal belongings (like a fire or break in). Your mortgage lender also likely requires that you have homeowner's insurance to be approved for a mortgage loan.

Usually, you'll need to purchase homeowner's insurance before your loan closes. It's important to make sure your homeowner's insurance meets your lenders requirements before closing. When your policy comes up on an annual basis is also a good time to revisit your policy to make sure it still meets your needs and potentially shop around to make sure you have the right coverage at the best price.

Leader Insurance offers several bundle discounts (depending on the insurance company) for auto insurance:

1. Multi-Car Insurance Discounts

   There is a discount for drivers who insure more than one private passenger vehicle with the same insurance company.

2. Low-Mileage Car Insurance Discounts

   The insurance companies Leader Insurance works with currently offer a discount for people who don't put a lot of miles on their automobile each year. To take advantage of this discount you'll simply need to fill out a form each year detailing your odometer reading and have it checked by a representative of the insurance company to verify the reading.

3. Anti-Theft Car Insurance Discounts

   Currently, the companies Leader Insurance partner with represent a discount to those who protect their automobile with an anti-theft device. The discount ranges from 5-35%, depending on the device.

4. Auto and Homeowners Combination Insurance Discounts

   Leader Insurance's partners currently offer an added discount to those who carry their automobile insurance as well as their homeowners insurance, condo insurance, or renters insurance with the same insurance company. The average discount for bundling these is about 20% off each policy.

5. Passive Restraint System

   Factory-installed airbags and automatic seatbelts in your car will make you eligible for a discount on your car insurance.

6. Drivers Training

   The completion of Driver's Education Training can make you eligible for a credit on your policy.

7. Good Student Discount

   If you, or a rated operator on your policy are in high school or college you may be eligible for a discount based on one of the following criteria:

   1. Maintaining a “B” average or equivalent in your prior semester
   2. Being named to the Dean’s List or Honor Roll in your prior semester
   3. GPA of, at least, 3.0 on a scale of 4.0

8. Hybrid Vehicle Discount

   You may be eligible for an additional discount if you insure a hybrid private passenger vehicle.

9. Years Licensed Discount

   The longer you've had your driver's license, the more your insurance premium can be reduced due to your experience behind the wheel.

10. Pay in Full Discount

    Some companies offer a discount if you pay the premium in full on the first day of the policy term.

We'll take care of everything for you, including cancellation of your current policy. We'll update your information with the Registry of Motor vehicles, contact your prior carrier, and update your existing mortgagee if needed. We pride ourselves on making this a totally seamless transition for our clients. You can also electronically sign your new insurance documents so you don't have to leave the comfort of your home. We also offer many different payment plans.

You can either pay directly through your carrier or one of our licensed agents can make a payment on your behalf.

You can fax our team at (781) 896-1950.