The Place to Go For Homeowners Insurance in Concord NH

Providing affordable homeowners insurance throughout New Hampshire, since 1954

We make it easy to get the quality and affordable New Hampshire homeowners insurance policy that you deserve.

Contact us for straightforward insurance insight, or a homeowners insurance quote in Concord, Manchester, Hooksett, Loudon, Bedford and New Hampshire.

Our clients are our neighbors, and finding you the best home insurance rates in NH has always been our top priority.

We’ve been providing quality, affordable homeowners insurance in Concord NH since 1954.

So we understand the strategic combination of coverage & cost that you need, and the service you want along the way. Keeping your budget in mind, we compare homeowners insurance quotes to find the best policy for your life and home.

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With access to these top insurance carriers (and many more) under one roof, we make it easy to compare quotes and save money on personal and business insurance in New Hampshire!

What Does Homeowners Insurance in Concord New Hampshire, Cover?

Most home insurance policies in New Hampshire will provide the following types of protection:

Protection for Your Home

Property coverage pays to repair or rebuild your home if it’s damaged or destroyed by an insured event. If you are a tenant and don’t need protection for the structure you live in, a renters policy might make more sense for you.

Protection for You and Other People

Personal Liability coverage applies if someone is injured or their property is damaged and you are allegedly to blame. This Protection aims to protect you against third party claims that arise, or allegedly arise, as a result of your actions.

Protection for Your Belongings

Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.

Scheduled Personal Property Coverage

Adding scheduled personal property coverage to your homeowner’s policy increases the protection limits for specific high-value, specialty, or unique items. It provides broader coverage for specific items.

Common Questions: Home Insurance in New Hamsphire

Common questions regarding NH home insurance in Concord, Manchester, Hooksett and Throughout New Hampshire
How Much Does Homeowners Insurance in NH Cost?

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

What is the best insurance company in New Hampshire?

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/

Does Home Insurance Cover Mold?

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