Bedford, NH Home Insurance
When it comes to insuring your home, you have a lot of choices. You could respond to the constant advertising you are bombarded with and call a toll-free number to get a quote from a representative who lives half-way across the country, if not the world. Or, you could call HPM Insurance right here in Bedford, NH and speak to the same dedicated and experienced risk control specialist who understands the area and gets to know you and your account.
Why protect your largest asset with someone you don't know when you could do business locally, and save you money, on your Bedford Home Insurance? Here is how we can protect your home!
Help In Determining The Right Coverage
We work to ensure your home has the right coverage. As your home is typically your most valuable financial asset and largest purchase you will ever make, you want to make sure you have enough coverage to rebuild it completely should an unforeseen tragedy strikes. This is where our experienced agents can help. You know your home best so we take the time to review the specifics of your home with you to determine the home's replacement cost. The replacement cost is the amount of money it would take to rebuild your home from the foundation up. This is different from the purchase price or tax assessment data that some other insurance companies use to determine coverage.
Homeowner policies typically include an inflation guard which increases the amount of coverage on your home by a specific percentage each year to protect against inflation (usually around 4%). This is a great feature of most homeowner policies; however if you do not review your coverage periodically, this compounding effect can have your home over-insured. At HPM Insurance, we are always happy to gather specific information from you regarding your home and work with your carrier to ensure it is insured correctly, not too much coverage and not too little.
Help In Choosing The Right Homeowners Insurance Policy
Typically, Home Insurance will cover damage from events such as:
- Windstorms and weather damage
- Theft or vandalism
But insurance companies differ in the coverage enhancements that are offered. We take the time to discuss with you what matters to you. Are you a risk-averse person who is looking for a policy that covers events beyond what is typical or are you someone who prefers keeping coverage basic? There is no wrong answer, as long as you understand what you are purchasing. We take the time to explain the differences in coverage and find a policy that is a right fit for you.
In thinking about your Homeowners Insurance, you want to consider:
- Am I in an area that may flood? (No homeowner's policy covers flood as a separate policy must be purchased.)
Do I have any detached structures that may need additional coverage?
- Do I have any jewelry, guns or special collections that need to be specifically insured?
- Do I want to consider equipment breakdown coverage?
- Are you worried about earthquake?
No one wants to believe that a fire, theft, or other intolerable damage could occur to their home, but it does. For this reason Home Insurance is an essential purchase to protect the investment you have made. Make sure you take the time to work with someone who can best protect it.
Helping You Find The Right Company
At HPM Insurance, we represent more than 10 homeowner insurance companies. Why have your Homeowners Insurance with a company or agency that only represents one company? We work for you to find the best coverage at the best price. Many insurance companies like to give the impression that it costs more to work with an insurance agency. It does not! Working with so many companies allows us to shop for the best option for you, not just a single option.
Why HPM Insurance?
Our agency has been protecting the citizens of New Hampshire since 1860. We know Homeowners Insurance. We have the experience to understand the risks associated with being a homeowner in New England and what you need to protect your home. We have convenient offices in both Bedford and Amherst.
Enter Your Zip Code above and let our insurance professionals help you!