New Hampshire Insurance: All Your Needs in One Place

Private health insurance is available in New Hampshire. However, a Federal and state-funded program, New Hampshire Medicaid, is also available for individuals who meet certain requirements. To qualify for New Hampshire Medicaid, applicants must be pregnant, responsible for a child 18 years old or younger, be blind, have a disability or a household family member with a disability, or be over the age of 65. You can find a plan that works for you by talking to a local independent insurance agent. 

Homeowners insurance in New Hampshire covers your personal belongings, your personal liability, your home's structure or dwelling, and additional living expenses if your home becomes temporarily uninhabitable. Your personal belongings and dwelling are protected against numerous threats like vandalism, theft, falling objects, fire, lightning, and more. If you get sued by a third party, your home insurance can reimburse for the legal costs, including attorney and court fees.

If you're looking for home insurance in New Hampshire, you can find a plan that fits your needs through an independent insurance agent.

New Hampshire has the fourth-least expensive car insurance rates in the nation. Though the national average rate for car insurance is currently $1,311 per year, car insurance in New Hampshire costs just $905 annually, on average. You can find coverage for your vehicle through an independent insurance agent in New Hampshire.

In one recent year, business insurance companies in New Hampshire paid out more than $1.2 billion in commercial insurance claims. Without the right New Hampshire business insurance, these companies would have had to absorb these costs out of their own pockets. Having business insurance can help a company recover financially after a lawsuit, data breach, employee theft, employee injury, and much more.

There are a lot of business insurance plans out there, but you can find the one that best fits your needs by talking to a local independent insurance agent.

All employers with employees must carry workers' compensation in New Hampshire, by state law. This coverage can help reimburse a business for costs of employee injury, illness, or even death caused by their job or workplace. In return, employees cannot sue the business for related incidents. 

Workers' compensation insurance is a big investment to make, so you should be sure to talk to an independent insurance agent in New Hampshire that can help you find a plan that fits your business' needs.

Restaurant insurance in New Hampshire includes several general business protections, including for commercial property, company vehicles, employees, data breaches, and more. New Hampshire restaurants need all the basic protections provided by regular business insurance, as well as coverage for spoiled food and other inventory in case of a power outage. Further, restaurants need equipment breakdown insurance to protect their large appliances, such as boilers, in case they get damaged or destroyed by a covered disaster like a fire. Talk to an independent insurance agent if you're in the market for restaurant insurance; they will be able to help you find the best plan for you.

Commercial vehicle insurance in New Hampshire is needed by businesses that use vehicles for work purposes, such as to make deliveries. But individuals who use their own vehicles regularly for business purposes also need commercial vehicle insurance, since this coverage is excluded by a personal auto policy. 

If you have a vehicle or a fleet and need to get it covered, talk to an independent insurance agent in New Hampshire.

Renters insurance in New Hampshire is often required by landlords before a tenant is allowed to sign a lease. Renters insurance includes liability coverage to protect tenants against third-party lawsuits for claims of bodily injury or personal property damage. This coverage comes standard in renters insurance policies in New Hampshire, as well as across the nation.

Whether you need renters insurance due to a requirement by your landlord or your own choice, you can find it through an independent insurance agent.

Life insurance in New Hampshire can help pay off outstanding debts after you pass away. It can be used to pay off a remaining mortgage or other debts or to pay a death benefit to a chosen beneficiary. Proceeds from a life insurance death benefit can be used to pay for children's education, a spouse's usual standard of living, or to make charitable contributions. Purchasing life insurance can be a big decision, and a local independent insurance agent is best equipped to find the right plan for you.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

An independent insurance agent in New Hampshire can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in New Hampshire to find you the right coverage at a great price.