Insurance Coverage for New Hampshire Residents Who Own Property
The best homeowners insurance policy in New Hampshire is a package policy designed to do three things: first, provide financial protection if your home is damaged; second, provide replacement or repair of the possessions in your home in the event that they are damaged or stolen; and finally, protect you against legal liability from accidents that happen in your home or on your property.
A typical home owners insurance policy usually has some coverage exceptions. The most significant exceptions are damage caused by floods, earthquakes, and poor maintenance. If you want to be covered for flood or earthquake damage you must buy two separate policies for flood and earthquake coverage. Damage caused by maintenance-related problems are the homeowners' financial responsibility.
A homeowners policy provides protection for probably your biggest investment, your home. It’s important to fully understand your homeowners insurance policy—its coverage, its conditions and its exclusions. Some common questions people that people ask us about their homeowners insurance is:
- How do I determine the value of my home?
- What’s the best way to create an inventory of my belongings?
- What is excluded from my homeowners coverage?
- Will my homeowners insurance cover water damage to my home?