Providing Coverage with Purpose and Care

From our home base in Westport, MA, F&T Insurance Agency provides trusted, affordable insurance solutions across Massachusetts, Rhode Island, Connecticut, and New York. As an independent insurance agency, we offer real support, clear coverage, and a commitment to doing what’s best for you.

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Your Local Insurance Experts

Built on Relationships

As a family-run insurance agency, we believe great coverage starts with great conversations. We’re here to guide you through home, auto, business, life, and specialty insurance—always with your long-term security in mind. With Diane Trott as President and Joe Trott as Vice President, our leadership brings heart, experience, and local insight to every decision.

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Personal Insurance

Home, auto, umbrella, flood, and more—coverage designed for daily life and peace of mind.

Commercial Insurance

Smart protection for small businesses, contractors, service professionals, and growing operations across industries.

Life & Disability

Life insurance, income protection, and long-term care options to support your future and the people you love.

Estate Planning

Through our Empire Wealth Group division, we provide strategies for legacy, tax efficiency, and long-term financial clarity.

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See What Our Clients Are Saying

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I changed insurance agents to F&T because my children have them and when we call they are there to help us. My last agent never was. I recommend F&T if looking for a friendly and helpful agent.

– Robin Gasper

I have been a client of F&T for over 10 years and they've always been professional and pleasant. While offering the best prices around! F&T carries my home, car and business needs.

– Tracy Pavao

Very professional, prompt service, and communicates very well. I have had auto insurance with them for the past 4 years, and was able to get quick quotes for pet and apartment insurance as well! Highly recommend!!

– Tyler Jacob

I was really upset with the service of my prior agent. Contacted F&T they got right back to me Kendra assisted me through a very easy process. I was so pleased I added renters' insurance. BEST SERVICE EASY TO deal with.

– Richard Dunphy

I always get the best service when I have any questions. Call Carla or Raina for a quote. F&T will never disappoint you.

– Fernando Perreira

The staff here is great and all of my questions are always answered above and beyond I am appreciative for the patience.

– Paul Buonavolonta

I changed insurance agents to F&T because my children have them and when we call they are there to help us. My last agent never was. I recommend F&T if looking for a friendly and helpful agent.

– Robin Gasper

I have been a client of F&T for over 10 years and they've always been professional and pleasant. While offering the best prices around! F&T carries my home, car and business needs.

– Tracy Pavao

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One-on-One

We walk every client through their coverage, step by step—from quotes to claims.

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Independent Expertise

We shop across carriers to find the best value in coverage, price, and long-term support.

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Service First

Our roots are local, our reach is regional, and our relationships last for life.

Customer Service Desk

Support When You Need It

Start with a fast, personalized quote from a real advisor—not a call center. We’ll walk you through every option.

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Make Changes to Your Policy Online

Need to add a driver, change your address, or update coverage? We’ve made it easy and hassle-free.

Request a Free Insurance Review

Let us take a second look. We’ll review your policies and make sure you’re covered, protected, and saving where you can.

Ready to Talk About Coverage?

At F&T Insurance Agency, you won’t get stuck in a call center or lost in a queue. When you reach out, you connect with real people who know your name, understand your needs, and are ready to help. Whether you’re comparing coverage, updating a policy, or filing a claim, we’re here with honest answers and personal support—every step of the way.

Get in Touch

Monday–Friday, 9 AM–5 PM

Walk-Ins Welcome: No appointment needed at our Westport office