How To Find The Right Home Insurance For Your Home

When you live in Concord or Manchester, NH, it’s important to find a home insurance policy that you can rely on. This way, you can meet the requirements of your mortgage company while also having the protection that you need throughout the year. At Associated American Insurance, we’re here to help you with the custom policy that you need.

What’s Included in a Policy

Home insurance policies will cover a few things regardless of where you buy from:

  • The dwelling
  • The property inside of the dwelling
  • Loss of use
  • Liability coverage

While these things are included, the amounts in which they are covered can vary. Additionally, you will want to read the fine print to find out what isn’t included. That’s when you can add riders to include more coverage so that you are protected against anything that could happen to and around your home.

Customizing a Policy for Your Needs

Customizing a policy is of the utmost importance because you don’t want to be denied a claim in the event that something happens. You will want to make sure that all structures on your property are included, such as detached garages, pools, sheds, and more. Additionally, if you have high-value items in your home such as artwork or collectibles, you will want the riders to offer full coverage. Otherwise, a claim may not cover the full amount of what was damaged or stolen from your home.

An independent agent can work with you to make sure that your policy contains everything that is needed based on your home and what’s inside.

Get the home insurance quotes that you need to make sure that you’ve got an affordable policy that covers your home every step of the way. Contact one of our agents at Associated American Insurance today so that we can help you get covered in Concord or Manchester, NH.

 

How will boat insurance in New Hampshire protect me?

Living in the Manchester, NH area can be a great experience. One of the main benefits of living here is that you will be able to enjoy the lovely weather during the warm summer months. One of the best ways to do this is by getting a boat. If you are going to purchase a boat in the Manchester area, you should make sure that you have it adequately covered by boat insurance as it can protect you in several ways. 

Ensures Coverage for Liability

Even people that are outstanding operators of boats will run the risk that they could cause an accident. If you do create an accident, it could result in significant damage, repairs, and other expenses. When you get boat insurance, you will have coverage for all of your liability costs. This will prove to be very valuable if you are ever found to be at fault.

Protects Your Boat

Another advantage of having boat insurance is that it will protect your assets. If you are going to buy a boat, you should ensure that it is covered for as many loss-creating situations as possible. This should include theft, vandalism, and accident damage. A boat insurance policy will give you the coverage that you need. 

There are a lot of reasons why someone will want to get boat insurance when they are in the Manchester, NH area. When you want to get a new policy, it would be a good idea to contact the team at Associated American Insurance. The insurance professionals at Associated American Insurance can help you to understand all of your boat insurance needs and options better. This will make sure that you find a good policy that adequately protects you and your watercraft.

Motorcycle Insurance Requirements in New Hampshire

Have you recently purchased a motorcycle in New Hampshire, or moved to the state and need to know what you need for your motorcycle insurance? Read on to learn more, and also talk to an insurance agent at Associated American Insurance, serving the greater Manchester, NH area.

You may be surprised to learn that New Hampshire is one of just three states in the US that does not require every rider to have an insurance policy for a motorcycle. However, many circumstances might make this necessary. For instance, if a rider has been convicted of a DUI for drugs or alcohol, he or she may be required to have an insurance policy. This is also the case if the individual has multiple reckless operation citations.

Consider What’s Best for Your Situation

Though it’s less expensive to own a motorcycle without insurance, you’ll find it’s much the opposite if you get into an accident. For this reason, it’s a good idea to have insurance coverage. New Hampshire is an at-fault state, which means that if you don’t have appropriate coverage and you’re found to be at-fault for an accident in which you were involved, you will have to deal with penalties, fines, possible license suspension, and even possible jail time. That’s in addition to having to pay the property and medical bills for the accident.

Minimum Motorcycle Insurance Requirements in New Hampshire

If you do decide you’d like to get motorcycle insurance, be sure you understand the limits. They are as follows:

  • $1,000 for medical payments
  • $25,000 for destruction or damage of property
  • $25,000 for death or physical injury to one individual
  • $50,000 for death or physical injury to two or more individuals

These limits are in place for good reason. If you want more information and help to figure out your motorcycle insurance policy perimeters, you can discuss it with Associated American Insurance of the Manchester, NH area.

A guide to picking the right auto policy

There are various types of coverages available for auto insurance. It is essential to understand the differences in the policies available, so you can build a plan that makes the most sense for you. If you live in the Manchester or Concord, NH area and are unsure what options you have, please reach out to an agent at Associated American Insurance today. 

Liability insurance

Each state typically has a minimum amount of liability coverage drivers need to carry. Liability coverage is essential because it protects you when you cause an accident. It can help pay for the damage to the other persons’ car or property as well as their medical bills. Because liability claims under an auto policy can add up quickly, drivers should consider carrying limits higher than what is required by the state.

Collision coverage

Collision coverage will pay to have your car repaired in the event of an accident. If your vehicle is totaled, it would pay you the value of your vehicle. If you have an expensive car, this coverage is essential. This may also be required by a lender if you have a loan on your vehicle.

Comprehensive coverage 

Comprehensive coverage is insurance for when something happens that is not an accident. For example, if your car was in the garage, and it burns down, or your vehicle is stolen, comprehensive coverage would pay out the value of the car. 

Personal injury protection  

It is important to remember that the medical coverage under the liability portion of the policy only covers the third person injured as a result of the crash. PIP covers your medical bills and the bills of the passengers in your car. 

Uninsured /Underinsured Motorist Protection

Although all states require liability coverage; some drivers do not follow the rules. If you are in an accident with an uninsured driver, you may not be able to collect any money from them for medical bills or damage to your car. It will also cover you if the driver does not have enough coverage to fully reimburse the damages.

If you live in the Manchester or Concord, NH area and would like to discuss your auto policy, please reach out to an agent at Associated American Insurance today. We can help you get a quote and answer your questions.

Does Home Insurance Cover Water Damage?

Water damage in Manchester, NH can be tricky when it comes to home insurance. Whether or not it’s covered will be dependent on it if it is considered sudden internal damage. It will not cover any damage that is due to neglect or lack of maintenance, and it will not cover any damage that is due to a flood.

You will be covered by your policy if the water damage is the result of a snow or rain storm, plumbing issues like faulty plumbing or a burst pipe, water damage from extinguishing a fire, a leak in the roof, an overflow of an appliance accidently, or vandalism. Home insurance will not cover water damage if it’s not the result of an accident. It won’t cover any flooding, water or sewer pipe backups, ground seepage, or poorly maintained pipes that cause leaks. If you want coverage for flood damages, you have to get a separate flood insurance policy.

Mold is commonly found after water damage in a home and it’s not always covered by homeowners insurance. Mold can be destructive, but it can also be dangerous to your health. Depending on what caused the mold in the first place, it could be covered. Mold will be covered if it is a result of water damage that is related to a covered peril. For example, if a pipe bursts and allows mold to grow, then homeowners insurance will cover some of the mold removal costs because the mold would be considered an extension of water damage. Many policies will cover $5,000, but some cover more or less. Mold due to a lack of maintenance or neglect isn’t covered. Mold that grows in a humid environment, such as a basement or bathroom, will also not be covered. Any mold that grows because of a flood would be covered under flood insurance and not your homeowners policy. Check with your agent at Associated American Insurance to see if mold will be covered under your policy.

Contact Associated American Insurance, serving Manchester, NH, to get a quote on home insurance. 

What Kind of Condo Insurance Do You Really Need?

Condo insurance is a must to protect your unit and belongings. Your association’s master policy protects the outside of your building and common grounds, not your individual unit. If a fire-ravaged your condo’s kitchen and destroyed cabinets and kitchen appliances, condo insurance from Associated American Insurance in Manchester, NH would help pay for repairs. What kind of condo insurance do you need?

Interior Structure Protection  

Condo insurance can protect the interior of your unit to include walls, ceilings, floors, light fixtures and built-in shelving against damage from fire, inclement weather, vandalism, smoke, and other disasters. There’s no telling when a catastrophe will strike. With insurance protection, you can be prepared to face any eventuality.  

Liability Protection

If family or friends visit your condo regularly, you’ll need liability coverage to protect you against accidents that may occur on your property. Liability insurance helps pay a visitor’s medical expenses if they’re injured while visiting your condo. The limits of your liability coverage should be enough to protect your assets in case you’re sued for damages.

Contents Protection  

In addition to structure and liability protection, you’ll want to protect your belongings. This includes furniture, appliances, electronics, clothes, jewelry and any other goods you own. Content insurance will pay for the repair or replacement of your goods if they’re stolen or destroyed in a disaster.

Creating an inventory of your goods and their value will make it easier to file a claim. Keep in mind that high-end goods may need extra insurance coverage to fully cover their value. You should also consider replacement cost coverage as it covers the cost of replacing your goods if they’re totally destroyed in a disaster.

For more information about condo insurance coverage and costs, contact Manchester, NH based Associated American Insurance.

5 Homeowners Insurance Benefits That You May Not Know About

While most homeowners understand the basic protections offered by a homeowners’ insurance policy, there are many benefits offered under these policies that the average American is unaware of. If you are in the Manchester, NH area and would like to review the coverage under your current policy reach out to an agent at  Associated American Insurance today.

  • One coverage that all dog owners should be aware of is coverage for the possibility that your pet bites someone. Liability claims arising from pet bites can quickly add up, so it is imperative that dog owners check with their insurance agent to confirm this coverage is included.
  • Another benefit one might be aware of is coverage that will help bring your house up to code after a loss. For example, if a burst pipe causes your outdated electrical panel to be damaged or ruined, the insurance company will help replace it with an electrical panel that meets current code requirements.
  • If you have ever suffered through a long term power outage, one knows how expensive it can be to replace the spoiled food in the refrigerator. Most homeowner’s policies provide coverage for a restocking fee after you have been affected during a power outage.
  • Most parents know that they can keep their children who go off to college on their medical plans until age 26; however, most parents do not know that a portion of their homeowners’ policy can also protect their kids while they are a full-time student. Homeowners policies will cover the students’ personal property up to a certain limit.
  • Any gardener will tell you that a well-landscaped garden can be expensive to replace. A homeowner’s policy will provide coverage in the event that your lawn, shrubs, and outdoor plants are damaged by a covered event.

If you are interested in purchasing a new homeowners policy or want to discuss your current coverage, please reach out to an agent at Associated American Insurance. We proudly serve the Manchester, NH area.