What is the Difference Between Landlord and Homeowner's Insurance?

Written by April Weismann on 08/09/2018 01:56 PM in Homeowners Insurance,. Landlord Insurance.

When renting out a residence, it’s important to have the right insurance in place before a tenant move in. Though homeowner's insurance and landlord insurance may seem similar, there are some critical differences....

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Do I Have Coverage for My Home Business on my NH Homeowner's Insurance?

If you run a business out of your house, like a growing number of people in New Hampshire, you may think you don’t need a commercial policy.  After all, you have a NH homeowners policy and you work from the home, so you assume that should cover...

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How to Have a Safe & Profitable Yard Sale

Written by April Weismann on 05/30/2018 05:46 PM in Homeowners Insurance,. Safety Tips,. Personal Insurance.

A yard sale sounds like a great idea.  You can get rid of clutter, “go green” and make a little money.  But before you start hanging signs throughout the neighborhood, be prepared.  There are several issues that you should consider to ensure your...

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How Do NH Insurance Companies Use Credit Information?

Written by April Weismann on 05/18/2018 11:47 AM in Homeowners Insurance,. Car Insurance,. Personal Insurance.

It can come as a surprise to many consumers that credit is a factor used by insurance companies when rating home or auto insurance in New Hampshire.  Here is some information to understand how it is used, why and what rights you have regarding your...

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How Much Coverage Do I Need on My NH Homeowners Insurance?

Written by April Weismann on 03/14/2018 11:27 AM in Homeowners Insurance,. Personal Insurance.

As your home is most likely your largest asset, you want to be sure it is covered adequately, but what is that magic number?  Between the purchase price and replacement cost  - how much coverage should you have on your homeowner's insurance policy? ...

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How Does Occupancy and Vacancy Impact Insurance?

Written by April Weismann on 01/03/2018 11:55 AM in Homeowners Insurance,. commercial property insurance.

Life can bring changes, including the occupancy or vacancy of a property you own.  Though insurance may seem like a minor detail that will pay a claim because you paid the premium, it is essential to remember that insurance is a contract with set...

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Will My NH Homeowners Insurance Pay if a Tree Falls in My Yard?

Written by April Weismann on 04/06/2016 02:47 PM in Homeowners Insurance,. Personal Insurance,. Claim Information.

 

As winds whip throughout New Hampshire, it can take down large trees and branches causing quite a bit of damage to property.  At HPM Insurance we field lots of calls on this topic so felt it worthy of a blog.  Here are some of the more common...

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When Should You Consider a Bedford High Value Home Insurance Policy?

Why a High-Value Home Should be Insured on a High-Value Homeowner's Insurance Policy

Luxury homes have unique features such as hand-craft finishes and custom woodwork. In the event of storm damage, a fire, theft or even a personal lawsuit,...

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How Much Does NH Homeowners Insurance Cost?

Written by April Weismann on 03/19/2015 12:00 AM in Homeowners Insurance.

Insurance is something that we know we all need but how much should it cost?  It may seem like insurance companies throw a dart at a wall to figure a price, but there really is a lot that goes into calculating the premium.  Here is an inside look at...

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How Does a Dog Impact My NH Homeowners Insurance?

Written by April Weismann on 01/20/2015 12:03 PM in Homeowners Insurance.

Discussions about dogs are often very emotional given how we treat them as members of the family.  Most people, love their dogs and could never imagine them causing any harm.

Unfortunately, as insurance agents, we may have to tell a prospect or...

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