Homeowners’ Insurance

Springtime can bring rising waters from melting snowpack and excess rainfall.  This means flooding is possible throughout New Hampshire. Homeowners are not immune to the damage caused by flood waters even if you don’t live in a flood zone. Here are some facts about floods to put it in perspective. Since 2005, New Hampshire has

Personal Umbrella Coverage Let’s say you have a policy for your home and your family’s cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner’s policy even has a special, added protection for the business that your spouse runs out

Common reasons why your insurance rates have increased. 1.  A rate increase by your insurance company. 2. Multiple small claims 3.  One or more large claims 4.  A change in your household such as: A new driver in your household A home addition or remodel Addition of a swimming pool or trampoline A new family dog

Your home is your most valuable asset, so you want to be certain your homeowners’ insurance provides you with adequate coverage in an emergency. With so many things that can go wrong with your prized possession, you don’t want to scrimp on your insurance, but you also want to ensure that you get the best

What Is An Attractive Nuisance? This is a term originated by a judge to describe a property that attracts youngsters and, because of its dangerous nature, creates a special obligation to property owners. Examples are: swimming pools trampolines empty buildings appliances kept outside excavations construction materials zip lines All of these can lure children onto

Insuring High-Value Items High-Value Items Insurance provides coverage for expensive, high-value items you own. People who possess high-value items such as expensive jewelry, furs, antiques, or firearms, may need additional coverage. While your Homeowners Policy provides the first level of protection for lost, stolen or damaged property, it has limitations to the amount and type of

Insurance and Dog Bites Dogs make great companions, playmates, and protectors; they also continue to be a problem for insurers. Nearly two million people are bitten by dogs each year with around 800,000 persons requiring professional medical treatment for their wounds. Each of these incidents is a potential lawsuit. Have Teeth, Will Bite Nearly 40%

The homeowners’ insurance claims process often comes along with extra stress and uncertainty. Filing a claim with your insurance company means you’ve suffered an unexpected loss or damage to your home and getting your life back to normal is your number one priority and our priority too. To take away some of the hassle and

A person who owns his or her home would have a different policy from someone who rents. Policies also differ on the amount of insurance coverage provided. The different types of homeowners policies are fairly standard throughout the country. However, individual states and companies may offer policies that are slightly different or go by other

A standard homeowners insurance policy includes four essential types of coverage. They include: 1. Coverage for the structure of your home. This part of your policy pays to repair or rebuild your home if it is damaged or destroyed by fire, hurricane, hail, lightning or other disaster listed in your policy. It will not pay