Top-Rated NH Homeowners Insurance
Looking for affordable NH renters insurance & home insurance? You’re in the right place!
There are better ways to spend your time. Shopping for insurance isn’t one of them.
We shop your personal insurance coverage among many carriers and use our unbiased insight to find the best pricing and coverage for your needs. That’s why people choose to work with an independent agent like us. Get a quote and see what we mean!
Get a free NH home insurance quote to compare your pricing & coverage options, today!
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You’ll save big when you bundle your home and auto insurance policies. Our locally owned agency is proud to offer some of the best bundle rates in all of New Hampshire. If there’s a way to keep your insurance rates low, our licensed agents will find it.
Just choose “bundle & save” when requesting your insurance quote, and we’ll get to work comparing your discount opportunities.
New Hampshire Homeowners Insurance Policy
The best time to learn about what’s included in a basic homeowners insurance policy is before you have a claim. We’ve gathered the answers to the most common “Am I covered if…” questions about your homeowners insurance policy to help you to minimize any coverage surprises.
What property and perils are excluded from my policy?
Typically, coverage does not apply to damage caused by flood, surface water, water that backs up through sewers or drains, earth movement, nuclear damage, war, etc. Personal liability and medical payments do not apply to the operation, ownership, use, etc., of any aircraft, automobile, RV, water craft powered by more than 50 horsepower motor; bodily injury or physical damage caused by an intentional act of the insured.
Is my boat covered?
Theft to watercraft, including furnishings, equipment and outboard motors, is typically excluded if the theft occurs outside your residential premises. To cover your boat and its accessories, you need a separate boatowners insurance policy.
What if I lose power and the food in my freezer spoils?
A basic policy typically does not cover this loss; however, coverage for electrical outages is available for a nominal additional premium.
How can I be sure I have the right coverage?
A complete review of your policy is the only way to determine what property is covered and what perils are insured against. We can help you identify your risks and explain what’s included in a homeowners insurance policy, including the standard limits of coverage on property insured such as money, watercraft, theft of jewelry, silverware and guns. Contact us today to learn how we can help you insure your home, auto and life.
What happens if I have a fire? How do I collect for my personal property?
Whether your policy pays for the replacement or just the actual cash value of your possessions, you will be paid for personal property that you can show you owned at the time of loss. It is a very good idea to keep an up to date inventory in a secure place. Also, to help you remember what you had, it is helpful to take pictures or video of each room.