According to Trusted Choice:

On average, American homeowners pay $1,173 per year for their home insurance coverage. However, in New Hampshire, the average annual premium is lower at just $941 a year.

source: https://www.trustedchoice.com/l/new-hampshire/homeowners-insurance

There is no single answer to this question because what is “best” for you, may not be “best” for the budget and coverage needs of others.  That is why independent agents like us, are so great (if we do say so ourselves). We compare policies and rates from multiple companies to find you the coverage that is best at meeting your particular needs and budget. 

Some of our carriers are great with high-value home insurance in Concord, and know how to thoroughly protect really expensive assets. Other companies we work with offer cheap home insurance in New Hampshire which has less bells and whistles, but could be a better fit for your budget needs. We listen when you tell us what your budget and coverage needs are, and provide coverage options from the best carrier relative to what you need prioritized. 

To see a full list of our carriers, vist our carrier partner page: davistowle.com/about-us/our-carriers/

Here’s that annoying answer again: It depends.

Whether a mold damage claim will be covered or not usually comes down to the source or cause of the moisture that resulted in the mold damage. 

If there was an accidental covered peril (like a pipe bursting) that then caused mold damage, that may be covered. But if the cause of the mold is common “wear and tear”, or neglect over time the claim is more likely to be rejected. 

The only way to say for sure is to take a look at your policy. Reading through the terms of your water damage coverage will further define what your policy provides.

Wording can be unclear – we know. But that’s why we’re here; To explain the terms of your coverage and advocate on your behalf. Give us a call if you’d like some free help deciphering your NH home insurance policy : 603-225-661