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Homeowner’s insurance is extremely important to any homeowner in order to protect their investment in their home and all possessions within their property. While most general home insurance plans only cover damages from theft, fire, and windstorm damages; you can also purchase additional protection for neglect, flood, and earthquake from most home insurance companies. If you live in a high risk flood or earthquake area, it might be a good decision to consider these additional coverages.

It is a good idea to have enough coverage to completely replace your home and all of your important possessions in case of disaster. Most lending companies require some minimum level of homeowner’s protection in order to maintain a mortgage anyway. When shopping for homeowner’s insurance in the state of New Hampshire, there are a few different types of insurance you will encounter.

• 1. Broad Form (HO-2): This basic type of coverage only covers specific types of damages that are listed in the contract.
• 2. Special Form (HO-2): This is more comprehensive than HO-2 because it covers property and liability for all structures on your property from damages such as fire, wind, hail, falling objects, and lightning.
• 3. Comprehensive Form (HO-3/HO-5): This is the most comprehensive type because it covers all your property from all damages that are not specifically mentioned in the contract.
• 4. Tenants Form (HO-4): This is for property renters and it covers your personal property and liability for other’s property. This also covers additional living expenses that are needed.
• 5. Condominium Form (HO-6): Covers the condominium owner’s personal property.
• 6. Modified Coverage Form (HO-8): This covers older homes where the property value is way beyond market value.

You can receive discounts from your insurance company for things such as being a multiple-policy holder, non-smoker, and various other reasons. Also, installing and maintaining a security system in your home is a good way to earn a discount from your insurance company. Talk to a qualified homeowner’s insurance agent to gain a better understanding of all discounts available to you, as well as help choosing the right plan for your needs.

Our customers from Portland, Manchester, Nashua, Concord, Rochester, Dover, Derry, Portsmouth, and many other great cities throughout New Hampshire use our services to find the most affordable home insurance policies. You will find that our vast network of life insurance agents and brokers is a great resource for finding the right home insurance coverage for your needs.