Understanding the challenges associated with selecting insurance, we offer a service designed to simplify the process. Our concierge model allows you to bypass complex systems and rely on us to handle your requests directly. Whether you need documentation or assistance, we ensure timely and accurate delivery.
We also serve as advisors, helping you evaluate quotes and make informed decisions about your coverage. Our recommendations focus on maximizing value while minimizing unnecessary expenses. Clients trust our expertise because we manage their policies thoroughly and professionally. As an independent broker with over 25 years of experience, we provide competitive options through multiple carriers across Massachusetts and surrounding areas.
We also serve as advisors, helping you evaluate quotes and make informed decisions about your coverage. Our recommendations focus on maximizing value while minimizing unnecessary expenses. Clients trust our expertise because we manage their policies thoroughly and professionally. As an independent broker with over 25 years of experience, we provide competitive options through multiple carriers across Massachusetts and surrounding areas.
Served areas
- Greater Boston, Massachusetts, New Hampshire, Rhode Island, Connecticut, New England
Details
- Year established: 2000
- Employees: 20
- Licensed
- Insured
Highlights and features
- Independent agency offering personalized insurance solutions with broad carrier access
- Over twenty years experience serving Greater Boston clients reliably
- Customized coverage programs designed to fit individual and business needs
- Competitive rates achieved through multiple trusted insurance carrier partnerships
- Fast same-day response time with exceptional client service support
- Clear explanations of coverage ensuring clients fully understand protection options
Payment methods
- Cash, Checks, Debit cards, Credit cards, Bank transfers, Financing available
Services
Massachusetts auto insurance is made simple and reliable with Kovalev Insurance. Our experienced agents provide clear guidance on selecting coverage that meets both legal requirements and personal needs. We work closely with clients to design policies that protect vehicles, drivers, and passengers while maximizing savings and coverage efficiency.
At Kovalev Insurance, we understand the challenges Massachusetts homeowners face and provide insurance policies designed to meet those needs. Our coverage protects homes from weather damage, fire, theft, and liability claims, while optional enhancements can address additional risks. We ensure each client receives a policy tailored to their property and financial goals, offering both security and flexibility.
Kovalev Insurance provides Massachusetts business owners with comprehensive commercial property insurance designed to safeguard assets, property, and income against unforeseen events. Our experienced team tailors each policy to meet specific business needs while delivering attentive, personalized service. We ensure coverage addresses risks such as fire, theft, storm damage, and business interruptions efficiently and effectively.
Massachusetts contractors and builders trust Kovalev Insurance for construction insurance that meets their unique requirements. We provide coverage against job site accidents, equipment loss, property damage, and liability claims. Our policies are designed for business continuity, affordability, and regulatory compliance, supported by expert advice and a streamlined claims process that keeps projects on schedule.
Artisan Contractors Insurance at Kovalev Insurance offers contractors a shield against unpredictable risks. Accidents and property damage can jeopardize your business, yet our tailored commercial insurance policies ensure continuous protection. We evaluate your specific needs based on the type of contracting work, workforce, and project complexity, providing a comprehensive program that secures your operations and peace of mind.
Reviews (30)
Alexander Shulman
Mar 26, 2026
Report
I live in two unit condo and needed to choose correct balance between coverage of main policy condo insurance and my individual unit insurance.
It was not an easy task for an amateur. Jenny Karavaeva has helped me a lot. She has explained different topics of the coverage in details.
As a result I have chosen appropriate coverage and saved money.
Great service!
Last and this year Michael helped me a lot with main policy condo insurance.
This year Sonia Carneiro helped me a lot with car and umbrella policies.
Kovalev Insurance provides great service year after year!
It was not an easy task for an amateur. Jenny Karavaeva has helped me a lot. She has explained different topics of the coverage in details.
As a result I have chosen appropriate coverage and saved money.
Great service!
Last and this year Michael helped me a lot with main policy condo insurance.
This year Sonia Carneiro helped me a lot with car and umbrella policies.
Kovalev Insurance provides great service year after year!
Heckjive
Mar 18, 2026
Report
Dan Kruss
Mar 15, 2026
Report
I have used Kovalev Insurance for years they have delivered a consistently excellent service.
They truly manage my insurance for me, reminding me of upcoming renewals, doing background research and presenting the best and lowest cost options for me to proceed with, etc.
Similarly I would give them top marks for all those intangibles which I appreciate. They are very easy to work with, responsive, and present options it concise, easily digestible manner.
I would strongly recommend looking into them to partner with on managing your insurance requirements.
They truly manage my insurance for me, reminding me of upcoming renewals, doing background research and presenting the best and lowest cost options for me to proceed with, etc.
Similarly I would give them top marks for all those intangibles which I appreciate. They are very easy to work with, responsive, and present options it concise, easily digestible manner.
I would strongly recommend looking into them to partner with on managing your insurance requirements.
Alex Cabral
Mar 02, 2026
Report
Josh Perkins
Feb 19, 2026
Report
I had an outstanding experience working with David ‘DOC’ O’Connell at Kovalev Insurance Agency, Inc. As a first-time home buyer, DOC made the process of securing both our auto and home insurance clear and easy to understand. He took the time to explain our options thoroughly, answered all of our questions, and ensured we had the right coverage.
DOC was always available, responsive, and genuinely committed to helping us make informed decisions. Thanks to his guidance, we not only felt confident in our choices but also saved money. I highly recommend DOC and Kovalev Insurance Agency to anyone looking for a knowledgeable, trustworthy, and client-focused insurance professional.
DOC was always available, responsive, and genuinely committed to helping us make informed decisions. Thanks to his guidance, we not only felt confident in our choices but also saved money. I highly recommend DOC and Kovalev Insurance Agency to anyone looking for a knowledgeable, trustworthy, and client-focused insurance professional.
Gennadiy Bukhmatov
Jan 31, 2026
Report
Cynthia Paris
Jan 31, 2026
Report
I had an excellent experience working with David ‘DOC’ O’Connell at Kovalev Insurance Agency, Inc.. David made the entire process of bundling my rental properties, car, and home insurance completely seamless. He was incredibly knowledgeable, responsive, and easy to work with—and most importantly, he helped me save money while ensuring I had the right coverage.
David took the time to explain my options clearly, answered all of my questions, and handled everything efficiently from start to finish. If you’re looking for an insurance agent who is thorough, trustworthy, and truly client-focused, I highly recommend working with David and the Kovalev Insurance Agency.
David took the time to explain my options clearly, answered all of my questions, and handled everything efficiently from start to finish. If you’re looking for an insurance agent who is thorough, trustworthy, and truly client-focused, I highly recommend working with David and the Kovalev Insurance Agency.
Sergey Borisov
Nov 18, 2025
Report
Very good experience and very positive feedback working with Kovalev Insurance Agency. I was very impressed with how fast Kovalev insurance managed my case with the highest level of professionalism, understanding customer needs and prompt support. Few people assisted me as a single team, and they are definitely responsive, knowledgeable and really detailed oriented without generating any "white noise" (that often happens in the modern world). As a result, I saved significant $-amount and time
Thank you very much, I really recommend Kovalev Insurance Agency!
Thank you very much, I really recommend Kovalev Insurance Agency!
Jessi Lindie
Aug 16, 2025
Report
Daniel T.
Aug 12, 2025
Report
This is my second review for Kovalev Insurance:
I had a fantastic experience with Kovalev Insurance Agency, particularly with Karina. I was seeking assistance with commercial insurance, and Karina went above and beyond to ensure that my needs were met. Her expertise and professionalism were evident from the start, as she guided me through the process with clarity and patience. Not only did she address my concerns promptly, but she also provided valuable insights to help me make informed decisions. Thanks to Karina's dedication and personalized attention, I was able to resolve my insurance issue efficiently and effectively.
I highly recommend Kovalev Insurance.
2022 Review:
Great and professional service. Michael and team helped us to find a great insurance option for our business. Highly recommend them.
I had a fantastic experience with Kovalev Insurance Agency, particularly with Karina. I was seeking assistance with commercial insurance, and Karina went above and beyond to ensure that my needs were met. Her expertise and professionalism were evident from the start, as she guided me through the process with clarity and patience. Not only did she address my concerns promptly, but she also provided valuable insights to help me make informed decisions. Thanks to Karina's dedication and personalized attention, I was able to resolve my insurance issue efficiently and effectively.
I highly recommend Kovalev Insurance.
2022 Review:
Great and professional service. Michael and team helped us to find a great insurance option for our business. Highly recommend them.
Jennifer Farnsworth
Jul 27, 2025
Report
There are not enough words to express how grateful I am to Chris Schneider at Kovalev Insurance Agency! I found myself in a position where many carriers did not want to even offer me a business policy due to a prior pending claim, and any policies that were offered were astronomical. Chris stuck with me and through the process. He was very responsive throughout the process, found a carrier that asked a lot of questions and would listen to the circumstances. Chris secured a policy at a better rate than I could have hoped for and the best part is it isn't even a surplus policy. Chris is a pure miracle worker! He has my business and my recommendation; THANK YOU!
Vadim Gouralnik
Jun 21, 2025
Report
J. G.
Jun 17, 2025
Report
Honestly, I so dreaded working with an insurance broker to find a home insurance policy. Kovalev seriously exceeded all my expectations. David and Tanya are hyper responsive, knowledgeable, detail oriented and result driven. They are able to get feedback and quotes far faster than anyone else we spoke to. When the underwriting hits a roadblock, they won't take no for an answer without a fight. Seriously, you should call or at least email them and see what they can do for you. Five star!!
June Kingsbury
May 29, 2025
Report
European Doors
Apr 18, 2025
Report
I was very impressed with how fast Leo and this insurance company handled everything for me. Leo and Michael set up car insurance, auto insurance, and coverage for my vehicle trailer and business all in just one day—super smooth and professional. Not only did I get a great rate on cheap car insurance, but they also provided full liability insurance and workmen’s compensation coverage that perfectly fit my needs as a business owner.
I’ve worked with companies like Progressive Insurance, Farmers Insurance, and AAA Insurance in the past, but this experience really stood out. The customer service was the best, and the speed was unmatched. If you’re looking for insurance quotes that cover everything from renters insurance to full business liability, I highly recommend checking them out. Especially if you’re after fast, reliable, and affordable service. Big thank you guys for the prompt responses and process! I will recommend you to everyone!
I’ve worked with companies like Progressive Insurance, Farmers Insurance, and AAA Insurance in the past, but this experience really stood out. The customer service was the best, and the speed was unmatched. If you’re looking for insurance quotes that cover everything from renters insurance to full business liability, I highly recommend checking them out. Especially if you’re after fast, reliable, and affordable service. Big thank you guys for the prompt responses and process! I will recommend you to everyone!
Maria Silva
Apr 12, 2025
Report
Dina Shulman
Jan 09, 2025
Report
Xiaxia Meng Xiaxia
Dec 01, 2024
Report
Ramsey
Nov 27, 2024
Report
Jiawei Sun
Oct 20, 2024
Report
I had a great experience working with David “DOC” O’Connell at Kovalev Insurance Agency. I submitted an online request on Tuesday, and he responded within two hours. By Wednesday, he had gathered all the necessary details, and by Thursday, he presented me with auto, home, and umbrella quotes at competitive rates. By Friday, everything was finalized. If you’re looking for a knowledgeable and efficient insurance broker, I highly recommend DOC!
Laura Schulz
Oct 01, 2024
Report
I had the pleasure of working with Michael Kovalev regarding the master insurance on a building in Boston. This gentlemen found us a very reasonable insurance and in record time. He is professional and courteous. We have had a wonderful experience and can only recommend his firm. He will continue to have our business in the years to come!
Nicole Kachmarck
Feb 21, 2024
Report
I worked with Leo and Sonia at Kovalev Insurance. I cannot recommend them more. I had a new house that I was having trouble getting homeowners quotes for. Unlike the previous broker I was dealing with, the team was fast in getting me quotes and super responsive. When there was an issue with payment on closing, Leo, Sonia and team made sure to work with our lawyers and mortgage company to get it rectified. I knew I was in good hands with Kovalev and am planning to use them for the new car I am buying as well.
Alexander Shrabstein
Oct 22, 2023
Report
Steven Wong
Sep 18, 2023
Report
Sonia was exceptional at her job! She saved me significantly on my policy compared to my previous. She was very thorough explaining every detail included. My prior policy wasn’t adequate for coverage on my camper. She managed to get more coverage for a much cheaper expense! Highly recommend Kovalev for your insurance needs!
Yan Fisher
Sep 12, 2023
Report
I’ve throughly enjoyed how Kovalev Insurance team handled our requests. We had a commercial condo policy and umbrella renewal and they found us the best deal.
I specifically enjoyed expedient and professional communications..
I hope we would not need their services for any claims, but in case we do, I’m looking forward to working with them.
I specifically enjoyed expedient and professional communications..
I hope we would not need their services for any claims, but in case we do, I’m looking forward to working with them.
K. S.
Aug 11, 2023
Report
We have been using Kovalev Ins Agency for over 20 years. We were always getting the best options for auto and home insurances. The agents who work there are immediately available to answer any questions and help with the claims or changes to the policies. Last few years our agent was Matt Bouffard who is knowledgeable, easy communicate with and proactive when it comes to renewals. Would recommend the agency and Matt for anyone who is looking for auto/home coverage.
Tailin Xue
Dec 31, 2021
Report
Our auto and home have been insured with Kovalev Insurance for more than 15 years. They have been doing very great work. I knew the owner Michael very well. Over the years, I had also worked with a number of the staffs in his office. All of them were amazing people. Most recently, Sonia handled my home owner insurance. She was very responsive and friendly. She was very knowledgeable and supportive. Their work are truly good quality, truly good value, truly professional and truly trustable. Thank you everyone at Kovalev Insurance. Thank you Sonia for your recent dedicated work.
Sabina Rosenfeld
Jul 28, 2021
Report
I’ve been with Kovalev Insurance Agency since they opened in the early 90s. They have never disappointed me. Always responsive and supportive. Always looking for the best value for me. I dealt with several employees of the agency over the years and all of them were extremely professional, polite and friendly. I have never had to wait for more than an hour to receive an email response or a call back. If my agent was unavailable, their colleagues would eagerly help. I even asked my current agent, Sonia Carneiro, to advise my son who lives in a different state on his insurance. She called him herself and answered all of his questions.
Great agency, perfect service.
Great agency, perfect service.
Melissa Waterhouse
Nov 25, 2020
Report
Barbara A.
Oct 02, 2020
Report
My husband and I were looking to replace our auto insurance with another company's. I looked for insurance agencies online and Kovalev was by far superior to the other two I contacted. Kovalev's agent, Katya, was so responsive, helpful, and interested in what I needed. She offered several quotes for auto insurance from different companies, explaining their different features. She was very clear and knowledgeable about all my questions. She followed up in a timely way and we have the new policy now. Katya responded to me in a way that let me know she was really working for me and interested in my business. I can't say that about the other agencies.