Insurance Policy Recommendations

Hermit Cover · 12-31-2009, 03:08 PM

I am looking for a new fire / homeowner's policy and wonder what the Forum thinks. The home is a waterfront...Winnipesaukee...new home. Any strong Recommendations?? There could probably be multiple cars, boats, and umbrella policy tie-ins if economical.

trfour · 01-01-2010, 01:54 AM

Quote:

Originally Posted by Hermit Cover

I am looking for a new fire / homeowner's policy and wonder what the Forum thinks. The home is a waterfront...Winnipesaukee...new home. Any strong Recommendations?? There could probably be multiple cars, boats, and umbrella policy tie-ins if economical.

Allstate always treated me pretty good, get a quote!

Lucky2Bhere · 01-01-2010, 08:53 PM

Call Ellen at Melcher-Prescott Insurance in Meredith. She's the best agent we've ever had...anywhere. They handle everything for us with very personal service.

phoenix · 01-02-2010, 10:40 AM

we use Cross( use to be Horne) in Meredith for home, car and boat.

Little Bear · 01-02-2010, 10:51 AM

I have a product from Met Life called "Grand Protect". It combines my homes, cars, boats, snowmobile and Umbrella all into one policy. Aside from the fact that it made things simple, by combining these separate policies into this one "Grand Protect" policy, I saved a ton of money. I had a claim last year and Met was excellent to deal with. I think any Met agent can write this or you can probably go direct to Met.

Irish mist · 01-02-2010, 12:25 PM

Modern Woodman out of Gilford. David Pereria is a thoughtful, intelligent agent. Melcher-Prescott is solid.

T.H.E. Binz · 01-03-2010, 10:52 AM

I've had Cambridge Mutual (through Noyes in Plymouth/Meredith) for ten years. The one claim that I've had was handled quickly and to my satisfaction.

tis · 01-03-2010, 12:50 PM

Quote:

Originally Posted by Little Bear

I have a product from Met Life called "Grand Protect". It combines my homes, cars, boats, snowmobile and Umbrella all into one policy. Aside from the fact that it made things simple, by combining these separate policies into this one "Grand Protect" policy, I saved a ton of money. I had a claim last year and Met was excellent to deal with. I think any Met agent can write this or you can probably go direct to Met.

I absolutely love the idea of a policy like that. I have been thinking if I could get one life would be so much easier. Do you know if they have a limit on how many things they will cover? I wish I had known about that a couple of months ago. I just switched my homeowner's which was $4100. to Safeco which is a little more than half that. Much as you hate to do it, you really do have to check out your insurance every one in a while to see if it is competitive.

fpartri497 · 01-03-2010, 03:17 PM

Quote:

Originally Posted by tis

I absolutely love the idea of a policy like that. I have been thinking if I could get one life would be so much easier. Do you know if they have a limit on how many things they will cover? I wish I had known about that a couple of months ago. I just switched my homeowner's which was $4100. to Safeco which is a little more than half that. Much as you hate to do it, you really do have to check out your insurance every one in a while to see if it is competitive.

$4100.00 for homeowners Insurance?? Do you own a multiple Million dollar home?

BroadHopper · 01-03-2010, 05:04 PM

I had MetLife for years and they never told me about the 'Grand Protect'. I had a multivehicle discount, multipolicy discount as well as a corporate discount because I worked for Lockheed. They were very good with claims. Whenever I find a cheaper policy elsewhere, they would rewrite the policies to meet or exceed. I.E. they will not let you be aware of any new changes that may effect your premiums.

When I lost my job, I lost my discount and shop around. I switch to AARP/Hartford as they were the least expensive of all insurance companies I investigated. Metlife tried to do the match game, but decide to stay with Hartford because metLife have not been 'honest' about their pricing.

Little Bear · 01-04-2010, 11:40 AM

Quote:

Originally Posted by tis

I absolutely love the idea of a policy like that. I have been thinking if I could get one life would be so much easier. Do you know if they have a limit on how many things they will cover? I wish I had known about that a couple of months ago. I just switched my homeowner's which was $4100. to Safeco which is a little more than half that. Much as you hate to do it, you really do have to check out your insurance every one in a while to see if it is competitive.

I'm not sure if they limit how many things they'll cover. I'd refer you to the agent I used, but he had a falling out with Met a couple of years ago and no longer has the Met line. I deal directly with Met now.

acanthus · 01-05-2010, 04:27 PM

You can't go wrong insuring through Maine Mutual. Highly recommend finding an agent that offers Maine Mutual Ins. Presque Isle, Maine.
I have used this company since 1968, and have had to submit various claims since, (including a fire at rental property I owned) always satisfied with results.
In 40+ years, no company has been able to compete with the rates.
Spence & Matthews Ins. Co. in Rochester, and Berwick, Me. are agents that offer Maine Mutual.

bigdog · 01-06-2010, 08:08 AM

Can anyone give me feedback on 'Paige Insurance Agency' ?

I believe they're located in Pittsfield NH?

Thanks,
Bigdog

Hughie · 03-04-2010, 10:12 PM

Second Home Insurance coverage market is huge in the Lakes Region. I have never had a claim, but every two years the carrier wants to drop the policy. Is there a fault line running through the region? I was wondering what's up with insurance carriers and second home market in the lakes region.

bigdog · 03-04-2010, 10:23 PM

I just purchased Homeowner insurance from Allstate in Gilford.

The folks there treated me like I was a family, very professional, and provided only the insurance I needed at a very reasonale price. They didn't try to sell me additional coverage I really didn't need based upon my needs.

I shopped around, and they seemed to be the most competitive !

Very satisfied with the experience. Of course the true measure of any insurance policy is when you make that first claim !

BD

Belmont Resident · 03-11-2010, 07:25 PM

I used them for my business policy and had mega problems with the provider they hooked me up with and zero customer service support from them.
I'm now in the process of looking for a new provider.
My wife compares rates every year for all of our personal policies, home, auto, boat, atv, snowmobile and she has never gone with Melcher & Prescott because their rates are always significantly higher than anyone else.
Remember they are not a provider just a middle man. They make money by doing the leg work for you and hooking you up with the actual provider.
Bottom line if you have the time to shop around yourself you will do much better then having an agency do the work for you.

Water Camper · 03-13-2010, 12:43 PM

Quote:

Originally Posted by acanthus

You can't go wrong insuring through Maine Mutual. Highly recommend finding an agent that offers Maine Mutual Ins. Presque Isle, Maine.
I have used this company since 1968, and have had to submit various claims since, (including a fire at rental property I owned) always satisfied with results.
In 40+ years, no company has been able to compete with the rates.
Spence & Matthews Ins. Co. in Rochester, and Berwick, Me. are agents that offer Maine Mutual.

I'm also very Pleased with MMG Insurance. Have had it on our properties for over 10 years, justed added vehicles and an umbrella policy. Used Heather Anderson out of Weizorek Insurance, Manchester, NH.

Worth Checking,
Bill

12-31-2009, 03:08 PM	#1
Hermit Cover Senior Member Join Date: Oct 2002 Location: Hermit Cove Posts: 354 Thanks: 20 Thanked 68 Times in 40 Posts	Insurance Policy Recommendations I am looking for a new fire / homeowner's policy and wonder what the Forum thinks. The home is a waterfront...Winnipesaukee...new home. Any strong Recommendations?? There could probably be multiple cars, boats, and umbrella policy tie-ins if economical.

01-02-2010, 10:40 AM	#4
phoenix Senior Member Join Date: Apr 2004 Location: phoenix and moultonboro Posts: 1,551 Thanks: 60 Thanked 275 Times in 193 Posts	we use Cross( use to be Horne) in Meredith for home, car and boat. __________________ it's tough to make predictions specially about the future

01-03-2010, 10:52 AM	#7
T.H.E. Binz Senior Member Join Date: Apr 2004 Location: Meredith & Chadds Ford, PA Posts: 112 Thanks: 0 Thanked 11 Times in 8 Posts	Cambridge Mutual I've had Cambridge Mutual (through Noyes in Plymouth/Meredith) for ten years. The one claim that I've had was handled quickly and to my satisfaction.

01-03-2010, 05:04 PM	#10
BroadHopper Senior Member Join Date: Oct 2004 Location: Laconia NH Posts: 5,572 Thanks: 3,209 Thanked 1,101 Times in 793 Posts	Hartford Insurance I had MetLife for years and they never told me about the 'Grand Protect'. I had a multivehicle discount, multipolicy discount as well as a corporate discount because I worked for Lockheed. They were very good with claims. Whenever I find a cheaper policy elsewhere, they would rewrite the policies to meet or exceed. I.E. they will not let you be aware of any new changes that may effect your premiums. When I lost my job, I lost my discount and shop around. I switch to AARP/Hartford as they were the least expensive of all insurance companies I investigated. Metlife tried to do the match game, but decide to stay with Hartford because metLife have not been 'honest' about their pricing. __________________ Someday may never be an actual day.

01-05-2010, 04:27 PM	#12
acanthus Junior Member Join Date: Jul 2009 Posts: 14 Thanks: 42 Thanked 6 Times in 2 Posts	Ins. You can't go wrong insuring through Maine Mutual. Highly recommend finding an agent that offers Maine Mutual Ins. Presque Isle, Maine. I have used this company since 1968, and have had to submit various claims since, (including a fire at rental property I owned) always satisfied with results. In 40+ years, no company has been able to compete with the rates. Spence & Matthews Ins. Co. in Rochester, and Berwick, Me. are agents that offer Maine Mutual.

01-01-2010, 08:53 PM	#3
Lucky2Bhere Senior Member Join Date: Oct 2006 Location: Moultonboro & SE Florida Posts: 94 Thanks: 3 Thanked 3 Times in 3 Posts	Call Ellen at Melcher-Prescott Insurance in Meredith. She's the best agent we've ever had...anywhere. They handle everything for us with very personal service.

01-02-2010, 10:51 AM	#5
Little Bear Senior Member Join Date: Jul 2006 Posts: 579 Thanks: 125 Thanked 247 Times in 133 Posts	I have a product from Met Life called "Grand Protect". It combines my homes, cars, boats, snowmobile and Umbrella all into one policy. Aside from the fact that it made things simple, by combining these separate policies into this one "Grand Protect" policy, I saved a ton of money. I had a claim last year and Met was excellent to deal with. I think any Met agent can write this or you can probably go direct to Met.

01-02-2010, 12:25 PM	#6
Irish mist Senior Member Join Date: Dec 2006 Posts: 683 Thanks: 127 Thanked 85 Times in 49 Posts	Modern Woodman out of Gilford. David Pereria is a thoughtful, intelligent agent. Melcher-Prescott is solid.

01-06-2010, 08:08 AM	#13
bigdog Senior Member Join Date: Apr 2006 Location: Central MA-Gilford Posts: 1,446 Thanks: 340 Thanked 119 Times in 96 Posts	Insurance Policy Recommendations ? Can anyone give me feedback on 'Paige Insurance Agency' ? I believe they're located in Pittsfield NH? Thanks, Bigdog

03-04-2010, 10:12 PM	#14
Hughie Junior Member Join Date: Dec 2009 Posts: 12 Thanks: 11 Thanked 3 Times in 2 Posts	Second Home Insurance Coverage Second Home Insurance coverage market is huge in the Lakes Region. I have never had a claim, but every two years the carrier wants to drop the policy. Is there a fault line running through the region? I was wondering what's up with insurance carriers and second home market in the lakes region.

03-04-2010, 10:23 PM	#15
bigdog Senior Member Join Date: Apr 2006 Location: Central MA-Gilford Posts: 1,446 Thanks: 340 Thanked 119 Times in 96 Posts	Insurance Policy Recommendations I just purchased Homeowner insurance from Allstate in Gilford. The folks there treated me like I was a family, very professional, and provided only the insurance I needed at a very reasonale price. They didn't try to sell me additional coverage I really didn't need based upon my needs. I shopped around, and they seemed to be the most competitive ! Very satisfied with the experience. Of course the true measure of any insurance policy is when you make that first claim ! BD

03-11-2010, 07:25 PM	#16
Belmont Resident Senior Member Join Date: Apr 2004 Location: Belmont NH but prefer Jackman Maine Posts: 1,857 Thanks: 491 Thanked 410 Times in 251 Posts	I had problems with Melcher & Prescott I used them for my business policy and had mega problems with the provider they hooked me up with and zero customer service support from them. I'm now in the process of looking for a new provider. My wife compares rates every year for all of our personal policies, home, auto, boat, atv, snowmobile and she has never gone with Melcher & Prescott because their rates are always significantly higher than anyone else. Remember they are not a provider just a middle man. They make money by doing the leg work for you and hooking you up with the actual provider. Bottom line if you have the time to shop around yourself you will do much better then having an agency do the work for you.