Business Details
Trusted Property & Casualty Insurance Since 1833
The Barnstable has been dedicated to providing reliable, comprehensive, and sustainable property and casualty insurance since 1833. As a mutual insurance company, we prioritize the protection of homes, families, and communities, with a deep understanding of the unique needs of Cape Cod, Martha's Vineyard, and the SouthCoast. Our commitment to sound underwriting principles and financial strength has been recognized by AM Best's A rating, reflecting our long-standing reputation for stability and customer care. We operate through a network of carefully vetted independent agents, ensuring personalized service and local expertise. Our board of directors, elected by policyholders, upholds values established nearly two centuries ago while guiding strategic growth.We offer flexible payment plans, including automated withdrawals and traditional billing, to accommodate diverse customer preferences. Our leadership team brings decades of industry experience, combining tradition with modern risk management practices. Through all our services, we maintain a focus on transparency, community investment, and operational excellence. With nearly 200 years of history, we continue to adapt to changing needs while preserving our founding mission of safeguarding regional livelihoods. Our financial statements demonstrate consistent performance, ensuring we remain prepared to meet future challenges while maintaining our core commitments.
Services
Homeowners Insurance
Renters Insurance
Umbrella Liability Insurance
Payment Plans
Claims Processing
Highlights and features
- Mutual company structure prioritizing policyholder interests since 1833
- Specialized understanding of regional risks in coastal communities
- AM Best A-rated financial strength and stability
- Local independent agent network for personalized service
- Flexible payment options including automated and traditional billing
Associations and certifications
- AM Best A Rating
Services
Homeowners Insurance
We provide comprehensive homeowners insurance protecting against property damage, liability claims, and additional living expenses. Our policies address regional risks like coastal weather patterns while maintaining affordability. Policyholders benefit from personalized risk assessments and claims support tailored to Cape Cod's unique environment.
Renters Insurance
Our renters insurance offers personal property coverage, liability protection, and loss-of-use benefits for tenants. Designed for Martha's Vineyard and SouthCoast residents, policies include specialized protections for seasonal occupancy and coastal conditions while maintaining competitive pricing.
Umbrella Liability Insurance
We offer personal umbrella liability policies providing additional protection beyond standard homeowners or auto insurance. These policies help safeguard assets against major claims or lawsuits, with coverage limits tailored to individual risk profiles in high-value coastal communities.
Payment Plans
Flexible payment solutions include 11/12-month automated withdrawals and 5-installment paper billing. Policyholders receive detailed payment schedules in advance with automatic renewal options, supporting both modern digital payments and traditional check-based transactions.
Claims Processing
We handle property and casualty claims through independent agents, with dedicated support for coastal-specific incidents. The process includes digital submission options, detailed status updates, and timely resolution prioritizing policyholder needs during recovery periods.
People
John L. DeMello
President & CEO
With over 25 years in insurance leadership, John directs strategic growth while maintaining our founding principles of community protection and financial responsibility since joining in 2015.
Christine M. Murphy
Executive Vice President & CFO
Christine oversees financial operations with 20+ years of experience in insurance finance, ensuring capital adequacy and sustainable growth through her leadership since 2010.
Deborah A. Sutton
Vice President of Risk Management
Deborah leads risk assessment initiatives with expertise in coastal property risks, implementing strategies to maintain our A rating while protecting policyholders from regional hazards.
Michael McNamara
Deputy CFO & Treasurer
Michael manages treasury operations and investment strategies, bringing 18 years of experience in insurance financial management to maintain our strong capital position.
Ryan Sullivan
Vice President of Technology
Ryan drives digital transformation initiatives, implementing modern systems to enhance policyholder services while maintaining security and compliance with industry regulations.
Questions
What areas does The Barnstable insure?
We serve Cape Cod, Martha's Vineyard, and the SouthCoast regions, with policies specifically designed for coastal environments and seasonal occupancy patterns.
How do I file a claim?
Claims can be submitted through your independent agent or via our website, with 24/7 access to policyholder portals for digital documentation and status tracking.
What payment options are available?
We offer automated withdrawals (11/12-month plans), 5-installment paper billing, and online payments via credit/debit card or direct bank transfer.
Is The Barnstable financially stable?
Yes, we maintain AM Best's A rating, demonstrating strong financial health through consistent underwriting performance and capital management since 1833.
How are policyholders involved in governance?
As a mutual company, policyholders elect our board of directors who work with management to ensure decisions align with member interests and long-term sustainability.
What makes The Barnstable different from other insurers?
Our mutual structure, regional specialization, and nearly two centuries of local experience create unique advantages in understanding and addressing coastal property risks.
