About Us

Our History

The Howe Insurance Agency was established as The Howe Agency by Douglas N. Howe, Sr., in 1955 as a full-service insurance and real estate firm on Main Street in Andover, Massachusetts. A life-long Andover native, Mr. Howe was able to grow the business through his many positive relationships with local families and businesses. In 1970 he was joined in the business by his two oldest sons, Douglas N. Howe, Jr. and Clifford J. Howe. Doug Jr. focused his efforts on the real estate side of the company while Cliff assumed responsibility for much of the insurance work.

As the client portfolio steadily grew, so too did the space needs of the Agency’s growing staff. In 1980 the business purchased and moved to the former Andover Home for Aged People home at 4 Punchard Avenue in Andover.

Again in 1996, strong growth required more change at the Howe Agency. That year, Doug Jr. merged the real estate portion of the business with Doherty Real Estate, another well-respected local business, and became a franchise of the Prudential Company (Prudential Howe & Doherty Realty).

In 1997, the third generation joined the businesses when Stephen Gruenberg and David Louis, Cliff’s sons-in-law came onboard. Today, Stephen and David are leading the business into its second 50 years of service to individuals and businesses in the Merrimack Valley. They are committed to maintaining the traditions of assisting their clients while protecting their assets, providing quality customer service, and continuing the philanthropic endeavors begun by the six generations before them.

In 2008 Cliff’s two daughters and sons in-law, Stephen & Elizabeth Gruenberg and David Louis & Lori Howe, became the third generation owners of the insurance agency.

Our People

Stephen Gruenberg, President

Stephen was born and raised in Chicago, IL. where he grew up an avid Cubs fan. After graduating from Proviso East High School (Doc Rivers’ alma mater) he joined the United States Marine Corp Reserves where he served for eight years. In 1992 he obtained his B.S. from Illinois State University and moved to Boston.
In 1998 Stephen began his insurance career at Howe Insurance. He has attended Commercial Union’s insurance school and obtained his CIC designation. As President of Howe Insurance, Stephen is responsible for setting the vision, goals and direction of the agency. He is the Past- President and current member of The Service Club of Andover; is a ten year member of the Lawrence Rotary Club; served on the Board of Directors for Andover Youth Foundation and Andover Little League; and has coached many seasons of youth baseball and basketball.

Stephen resides in Andover, MA along with his wife Beth and three boys. In his spare time, he enjoys playing golf and trying to convert his boys to Chicago Cubs, Bears and Bulls fans; all of his Bostonian friends, especially his wife, wish him well in the fruitless endeavor!

David Louis, Vice President/Chief Operating Officer

David is a native of Erie, PA. He bleeds Penn State Blue and White due to his accumulation of class credits and fortunate graduation in 1989. David began his career with a national insurance carrier in 1997 after spending several years practicing for retirement in Sun Valley, Idaho.

David started with Howe Insurance in 1999. He has earned the CIC designation and as COO he is responsible for operations, customer relationships and agency growth. David is active in the community as a board member of the Merrimack Valley YMCA, Past-President of the Kiwanis Club of Greater Lawrence, a youth sports coach, and has been a youth mentor at Family Service, Inc.

David lives in North Andover with his wife, Lori Howe, their two sons, Simon and Duncan and their dog Patch. Besides family time, David enjoys trail running, cycling, skiing, live music and being outdoors.

Thomas M. Hajj, Vice President, Sales
A native of Andover, Tom and his wife Valerie live in Methuen where they raised their three sons Tommy, Jeff and Sam. Tom is a graduate of the Andover Public Schools and received his Bachelor’s Degree from Salem State College.

After five years with a national insurance company, Tom came to the Howe Insurance Agency in 1986. He has spent much of these years coaching youth sports, and serving as a Board Member of the Merrimack Valley YMCA. A sports trivia enthusiast, Tom is a two time champion of the ESPN Club on the Boardwalks’ trivia contest.

Amy Jose
Amy grew up in Derry, NH, attended Pinkerton Academy and obtained her A.A. in Business Administration, graduating with high honors from Hesser University.

Amy has over ten years of experience in the insurance industry – spending her first 4 years at Sullivan Insurance Agency in Tewksbury, MA and the last 6 years at Howe Insurance Agency.

Currently living in Salem, NH with her daughter Abby and dog Willie, Amy enjoys yoga and the outdoors with a love for hiking and running.

Gina Raynes, Office Staff
Gina has worked for Howe for 8 years as an Office Assistant. She is part of a mother-daugther team with her Mom Laurie. Gina is an expectant first time mom, Living in Haverhill with her boyfriend and cat. They reside with mom and dad her two brothers.
Kathleen Hoye, BookKeeper
Kathleen was hired by Cliff Howe in 1984. After a brief absence, Kathleen rejoined Howe in 2003.

Born and raised in Lawrence, Kathleen lives in Methuen with her husband Tom. She and Tom love spending time with their 3 sons and daughter-in-laws and 9 grandchildren.

Kathleen and her family enjoy Summer Living at Seabrook Beach.

Tina Grange-Gilhooly
Tina grew up in Andover and moved to Methuen in 1982 where she raised her four children. Tina began working in the insurance industry in 1974, as a part time job while in high school and has worked in insurance ever since.

Tina joined Howe Insurance in 1980, took a leave to raise her children, and has been back full time since 1993.

Tina spends some of her spare time supporting Central Catholic girls soccer and basketball, which her daughter coaches. Along with her four grown children she has two grandsons and enjoys spending as much time as she can with them. Tina and her husband Jack enjoy traveling whenever possible.

Kim Caron
Kim grew up in Pelham New Hampshire where she attended Pelham NH Public Schools followed by UMass Lowell. Still residing in Pelham NH, Kim has been married for twenty years and has two high school age children, Ava & Jacob.

Kim’s hobbies are camping, going for walks, reading books, attending her children’s sports events and going to the beach.

Kim has been in the insurance industry for nineteen years and is a licensed producer.

Laurie Victor, Personal Lines Account Coordinator
Laurie came to Howe Insurance in 1999 as a Personal Lines Account Coordinator with 33 years of experience in the insurance industry. Born in Lawrence, MA, she attended Lawrence Public Schools and Northern Essex Community College.

Laurie now resides in Haverhill with her husband Alan and three of her four children, Gina, Bradley & Tyler, 2 dogs, Molly & Khloe & 1 cat named Jenna . Laurie is also a grandmother of 2, Inge age 4 & her daughter Gina has one on the way.

Laurie is an outdoor person who enjoys camping , fishing & gardening and doing anything that involves power tools. Laurie loves doing her own home renovation projects.

Beth Gruenberg
Beth grew up in Andover and worked at the Howe Insurance Agency alongside her father and grandfather part time while attending Doherty Junior High, Andover High School, Ithaca College, and Wheelock College Graduate School. After a career working with young children and starting her own family she returned to the Agency in 2013 working part time.

Beth lives in Andover with her husband Stephen, their 3 teenage boys, Joshua, Brendan, and Jack, and her loyal companion Wrigley the rescue dog. In her spare time she enjoys running, spinning, hiking, skiing, and playing hockey. Most of all, she loves attending her son’s sports events, especially baseball.


What Our Clients Say

"I recommend all my clients to Howe Insurance for their property and casualty insurance coverages. They’ve earned their excellent reputation"

James E.

Contact Us

Direct (978) 475-0400
Fax 1-978-475-2171
(888) 469-3467

Email us

Hours of Operation

Mondays - Fridays
8:30am to 5:00pm


Our Location