Carlos Quiñones
Independent Agent
— Home insurance guide
A smarter way
to shop for
home insurance.
A clearer path to coverage that fits — and pricing that makes sense. I shop 20+ carriers on your behalf and bring back options in plain English.
@insurancewithcarlos
— Why this exists
Insurance has an
education problem.
not a you problem.
If you've ever felt in the dark about your policy, that's not on you — that's on an industry that hasn't done a great job of explaining itself.
old way
— What I cover
Three lines.
built around you.
I focus on what I do best so I can do it well. No life. No health. Just the coverage that protects your home, your car, and your business.
Home
Homeowners, condos, landlord, renters. Coverage that holds up when something actually happens.
Dwelling & rebuild cost
What it takes to make you whole after a fire or storm
Personal liability
Protection if someone gets hurt on your property
Flood + Umbrella
Standard policies don't cover flood — worth knowing.
Auto
Daily driver, new buyer, multi-car family. Right coverage, right deductibles, no upsells you don't need.
Liability
Required in MA — but the state minimum is rarely enough
Collision & comprehensive
Repair or replace your car after an accident or theft
Roadside & rental
Small premium, large quality-of-life bump.
Commercial
GL, BOP, property, workers comp, commercial auto. Coverage for the way your business actually runs.
General liability
Slips, falls, property damage you cause to others
Property
Your building, inventory, equipment
Workers comp & auto
Required when you have employees or business vehicles.
Mortgage Lender
Streamlined home insurance quotes for lenders submitting on behalf of borrowers.
Quick submission
Fast-track quotes for closing timelines
Borrower details
Submit loan and property information upfront
Priority processing
Expedited review for lender requests
— How it works
Four steps.
no fire drills.
Here's what working together actually looks like.
01
Tell me about you
Address, year built, a few details — about 5 minutes through the quote form or a call.
02
I shop 20+ carriers
Independent means I work for you, not one company. I bring back options that actually fit.
03
We talk it through
Plain English. What's covered, what's not, what each line item is doing.
04
You pick. I handle the rest
Bind the policy, cancel the old one, coordinate with your lender. Calm and clean.
— The numbers
Small operation.
serious coverage.
20+
carriers
Shopped on your behalf, every time
24–48
hr
Quotes returned during business hours
100%
Massachusetts
Licensed, local, and accountable
— What clients say
Words from
real homeowners.
"Asset Insurance has been great to work with! I reached out to Carlos Quiñones to setup a home insurance policy and he was on top of everything right from the start. He processed all the paper work very quickly so I could get it submitted on time, explained the coverage and options available to me, and made sure to get me the best price and coverage. He also went out of his way to double check my auto insurance as well to see if there were better options available! He was very responsive, extremely welcoming, and made sure I understood everything that was in my policy and answered all of the questions I had. Cannot recommend him or Asset Insurance more!"
Daniel Caruso
"Carlos kept me abreast of his search for insurance for my renovation. When a roadblock was encountered, he found a way around. He found us a well-priced insurance policy with proper coverage. Would use again."
Daniel Greenstein
"I was referred to Asset Insurance by a friend. When I called I spoke with Carlos Quiñones. He researched different companies and came up with one that would save me $250. with the same coverage I have with my current company. He was immediately impressed with his quick response to my questions. He explained each item on the coverage page and went over both car and homeowners policies with me. He took the time to meet in the office with me even though emails and electronic signatures were available. Carlos is easy to communicate with. He goes above and beyond. He is honest and trust worthy. I also met Elizabeth the office manager. I was impressed that she introduced herself to me even though I was there to meet Carlos. Needless to say I am very happy I called Asset Ins. and I will tell my friends and family about the great experience I had."
Donna Snyder
"We worked with Carlos Quiñones who was the absolute best in explaining our home insurance options quickly and clearly. He was very patient with us and walked us through the quote and signing process. We were able to choose from a variety of insurances and Carlos ensured us that we had the most affordable option. Our insurance was approved in 30 minutes and we saved almost half of what we previously paid! Thank you Carlos and Asset Insurance Agency!"
Shamia Hicks
"Carlos was my insurance agent he was very helpful answered all my questions and kept me up to date with everything. I definitely recommend him for anyone looking for insurance he helped me get the best rate as a new driver!!!"
Mariah Glenn
"Carlos was incredibly helpful and efficient with helping me look into policies for my home. I appreciate him taking the time to explain every option available to me at different points of my policy, his attentive customer service when I have questions, and finding me the best solution possible. Would definitely recommend working with him!"
Miriam Vaquerano
"Great experience with Carlos from Asset Insurance! He was extremely helpful in finding me a great policy at the best price. I appreciate all of the time he took out of his weekend to get my policy set up for me. He made the process clear, efficient, and easy. Would absolutely recommend!"
Christina Bibinski
"Carlos Quiñones Jr. is the man. He has always been a pleasure to work with. He's super responsive, professional, and honest. This is my second time working with Carlos and I am still impressed with what he has done for me with his quotes. Mind you I have to get full coverage because I'm financing and he still gets me really good rates. This is coming from someone with multiple speeding tickets. You will not regret working with Carlos. Carlos will always have my business."
Maycon Rebelo
"Carlos was a pleasure to work with! He was efficient and very professional! He worked in a timely manner! I highly recommend everyone to go to him. The easiest and least stressful experience I had with putting auto/rental insurance. Thank you so much Carlos!"
Stephanie Fernandes
"Carlos was especially helpful. Within a 2 business days time frame I was able to get a quote much cheaper than when I was shopping around and successfully registered the car by the second day. It was very quick and easy with minimal work on my part. Will be going through this agency for any future vehicles!"
Katie
"I recently had the pleasure of working with an outstanding insurance agent who surpassed all my expectations and provided an exceptional level of service. From the moment I engaged with their services, it was evident that they possessed an extraordinary knowledge of the insurance industry, a remarkable attention to detail, and an unwavering commitment to meeting my specific needs. I am delighted to share my experience and give my highest recommendation to Carlos Quiñones Jr."
Oscar Reyes
"Overall great experience, got the chance to work with Carlos Quiñones Jr. who was nothing but professional. Helped me get a great plan quickly, and was able to walk me through all of the information in a very easy and understanding way. Would highly recommend reaching out and working with him!"
Antonio Sacchiero
"I want to say that I had a great experience with Carlos Quiñones from Asset Insurance. He was very knowledgeable. He answered all and any questions I had. He explained everything to me in detail. I highly recommend Carlos."
darlyn ortiz
"Great company go me situated super fast and super caring genuinely want to make sure you are all set and properly taken care off I loved the experience they make you feel like part of the family! Got me a great rate as well! Thanks Carlos you were amazing!"
carmen valerio