New insurance

[RUGMAN]

Need to find a local insurance agent with our full time move to the lake. Melcher and Prescott has not been very responsive. Has anyone had any experience with the Insurance Outlet or Meredith Insurance agency? Do you have any other suggestions or recommendations? Thanks in advance for your thoughts.

[Woody38]

Take a look at AMICA. We have been with them for decades. AMICA even wrote a commercial policy for us when all others required us to give them all our other requirements, at the time they did not write commercial policies.

insurance.amica.com
Amica Mutual Insurance Company
5 Chenell Dr, Concord, NH 03301 · 25 mi
(877) 512-6422

_______________________________________

I am a retired workaholic and continuing aquaholic

[fatlazyless]

Their Allstate office is close to the Meredith roundabout, up on the second floor.

Basically, just stop in there, anytime, with a list of questions and you will like what they have to say.

I guarantee it! ......

[Sue Doe-Nym]

Allstate in Wolfeboro has our house and automobile insurance, and we have no complaints. Not long after we signed up with them, we had a huge claim…flood damage to our house, and they paid dearly for that one. Jon Clark is the agent.

[WinnisquamZ]

Yes. Home, cars, and motorcycles with Insurance Outlet. Going on year four. Very happy with them and the services provided


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[Winilyme]

Originally Posted by WinnisquamZ

Yes. Home, cars, and motorcycles with Insurance Outlet. Going on year four. Very happy with them and the services provided


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Ditto that. The Insurance Outlet reps are extremely responsive and helpful.

[tis]

Originally Posted by WinnisquamZ

Yes. Home, cars, and motorcycles with Insurance Outlet. Going on year four. Very happy with them and the services provided


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Is that an online company only? I've never heard of it.

[MeredithMan]

Originally Posted by RUGMAN

Need to find a local insurance agent with our full time move to the lake. Melcher and Prescott has not been very responsive. Has anyone had any experience with the Insurance Outlet or Meredith Insurance agency? Do you have any other suggestions or recommendations? Thanks in advance for your thoughts.

We've been a Cross customer for probably 10+ years now. Both homes, cars, and umbrella policy. Excellent service and there is always a local human to speak to if there is a question or need for a claim. Their local office is now in Laconia, (they moved there from Meredith a few yrs ago).

[Winilyme]

Originally Posted by tis

Is that an online company only? I've never heard of it.

They’re a local insurance broker. They’ll make it easy by shopping your need to various insurance companies. Great go-forward service too. Check them out online. We got our home and boat insurance through them.

[Woodsy]

Chris at the Insurance Outlet is awesome!


Woodsy

[phoenix]

I use Cross also for 20 years . Always helpful

[Jeanzb1]

Morin Insurance Company in Alton Bay has been wonderful!


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[jeffk]

Originally Posted by fatlazyless

Their Allstate office is close to the Meredith roundabout, up on the second floor.

Basically, just stop in there, anytime, with a list of questions and you will like what they have to say.

I guarantee it! ......

Another thumbs up for Jennifer Stevens Allstate office in Meredith. House, cars, boat, snowmobile, life, ... Discounts for multiple things covered (multi car, car & house, etc.) Safe driver discounts. Great claim response. Great service, friendly people.

[Descant]

I've used USAA for over 50 years., Get a dividend check in December, and several hundred dollars "Senior Bonus" in February. I also have several thousand $$ in a "Subscriber Savings Account) which I would get when I leave. That's how they handle reserves. Qualified people on the phone 24/7, so I don't have to wait 'til Monday am for the office to open. Had some water damage to a residential property a few years ago. I knew it wasn't covered, but they were happy to send out a local adjuster "just in case there is something that might be covered." I like that attitude.

[wentworthwhitbreadIII]

Rugman- please reach out to Randy Eifert at P&C President at Melcher & Prescott. This service issue is not typical and we’d like to resolve it ASAP for you


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[songkrai]

Originally Posted by RUGMAN

Need to find a local insurance agent .

I have a high credit score. No loans. No mortgages. No car loans.
No insurance claims. No criminal offenses. Nothing negative.
Newer home on level lot. On paved road.
AMICA would not insure me. No reason given.
Amica does have a good reputation though.

Few years ago. My homeowners went up in cost. Asked a few friends. ALL had recommendations.

One was Allstate.
This ftormf switched to Allstate and saved couple hundred dollars in premiums. He switched to Allstate.
Happy. Happy. Happy.
But, Allstate sent out a home inspector and found $3,850 in upgrades and repairs needed for Allstate insurance to continue.
So how much did this fellow save in homeowners insurance.

Yes. Some companies send out an inspector. Some now are using drones to view condition of roof.

[Mr. V]

To the OP:

Wny do you need a "local" insurance agent?

I discovered The Hartford when we joined AARP; their prices seem unbeatable.

The key is to do what Flo says and "bundle."

[WinnisquamZ]

Correct. Went through the same this year. 30% increases no claims. Fortunately we did the roof in 18. With that said, I have no issue with insurance companies looking over and asking questions


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[RUGMAN]

Thanks for all the good information and replies. I went with Insurance Outlet, they were competitive and more importantly were very responsive to my questions and needs.

[The Real BigGuy]

I have Liberty Mutual on our island property. They are outstanding. I filed my first claim ever last year although I only had LM for 3 years. (My wife found them on the internet and set everything up on line or over the phone). I was girded for battle but it turned out to be the easiest process imaginable. Just filed my first claim for water damage at home. Looks like it is heading the same way. LM may have a customer for life.


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[TiltonBB]

I had Hanover Insurance for the Gilford house and the cars for years. I did some price checking and I got a lower quote on my cars from Progressive. I told my insurance agent that and he switched the homeowners and the vehicles to Progressive. There was a significant savings.

Last week Progressive sent out an inspector to view the property from the exterior and file a report. I have a boathouse and now know that Progressive will not insure any property over water. They cancelled my insurance.

Oh well, I enjoyed the savings for two months and now my insurance agent is rate shopping again.

[thinkxingu]

We've had State Farm for 17 years.

I'm not sure how the costs compare because it doesn't matter if the service isn't excellent, and our local office—Dan Bantham in Merrimack—always exceeds my expectations. They just make things so easy.

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[TheProfessor]

Originally Posted by RUGMAN

Thanks for all the good information and replies. I went with Insurance Outlet,

What is the name of the actual insurance company that provides the coverage?

[RUGMAN]

Safeco Insurance, Progressive for Boat

[bigdog]

Originally Posted by Woodsy

Chris at the Insurance Outlet is awesome!
Woodsy

I second 'Insurance Outlet' in Laconia.
They are 'Independent insurance Brokers, and shop many brands for the best price and coverage.

They have provided excellent service to me for home & auto insurance for more than a decade !

[fatlazyless]

Plymouth, NH is home to some excellent, excellent independent insurance agencies ..... www.noyesins.com on Main St and www.insurance24.com on Tenney Mtn Hgwy and Allstate-Sharon Thorne on Main St.

All three different insurance agencies are run by woman, who seem to do a hell of a good job, and a lot better than a man who probably would get incredibly bored sitting around there, all day long?

Basically, you just go there with your list of insurance questions, and you will like what you hear ....... I guarantee it!

[VitaBene]

Jennifer Stevens with Allstate. I use Hagerty for antique vehicles- they know old stuff and do agreed value policies.

[rick35]

Originally Posted by RUGMAN

Safeco Insurance, Progressive for Boat

Same here but we use Davis & Towle in Concord.

[The Real BigGuy]

Originally Posted by The Real BigGuy

I have Liberty Mutual on our island property. They are outstanding. I filed my first claim ever last year although I only had LM for 3 years. (My wife found them on the internet and set everything up on line or over the phone). I was girded for battle but it turned out to be the easiest process imaginable. Just filed my first claim for water damage at home. Looks like it is heading the same way. LM may have a customer for life.


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Well, after my great experience with Liberty Mutual I just got my bill for the coming year. My premium went up $300/month. Time to start looking for a new carrier!


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[The Real BigGuy]

Originally Posted by The Real BigGuy

Well, after my great experience with Liberty Mutual I just got my bill for the coming year. My premium went up $300/month. Time to start looking for a new carrier!


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Got wrong info or misunderstood info from accountant. Insurance went up about 250. About what I’d expect for a 25k payout. Still a solid LM customer.


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[Fishinfergy]

My 2 cents below.

I have worked on all sides of property claims. Restoration vendor for 2 years. Liberty Mutual staff adjuster for 1 year (7 managers) and now a public (private) adjuster that is hired by the home owner to handle the claim on their behalf for over 11 years

With that being said get a local agent. A local agent will connect you with a local company such as Andover, Arbella, Concord Group, Norfolk & Dedham, Union Mutual etc. these are all far better companies than any company you see on TV. Yes rates have gone up, so have home values and everything else. This is one area you do not want to cut a corner, god forbid the worst happens.

Your agent will be able to place you with the best company for your property. Some homes on the lake should be with private cliental groups such as AIG, Chubb, Pure etc.

Feel free to reach out of you have any questions. Hopefully no one ever needs to call their company!

[Cal-to-NH]

Hey Rugman

As much as I hate contradicting the president of an insurance company, I guess non-responsiveness is pretty much the rule there. I contacted them using the "contact us" website link to possibly join their "1862 private client". I contacted them the week before the Columbus weekend.

Nothing but crickets.....

Sounds like the Insurance Outlet is the way to go....

[ApS]

Originally Posted by thinkxingu

We've had State Farm for 17 years.

I'm not sure how the costs compare because it doesn't matter if the service isn't excellent, and our local office—Dan Bantham in Merrimack—always exceeds my expectations. They just make things so easy.

I've had State Farm auto insurance for over 40 years. While they're high in premiums, their payouts have stayed at the max (and once, even beyond max)!

Now I'm thinking that, to save a bundle, I should suspend my State Farm car insurance during the six months I'm residing in NH:

1) because it's not required
2) my vehicle won't bring much if totalled, and
3) I drive very few miles when around here.

Anyone having experience with this idea?

[TomC]

I assume you intend to keep liability coverage? exposing your net worth to a lawsuit would not be prudent...

but if you mean coverage on the vehicles themselves - i indeed dropped coverage on all of mine (3) for the reasons you mention.

[tis]

Originally Posted by ApS

I've had State Farm auto insurance for over 40 years. While they're high in premiums, their payouts have stayed at the max (and once, even beyond max)!

Now I'm thinking that, to save a bundle, I should suspend my State Farm car insurance during the six months I'm residing in NH:

1) because it's not required
2) my vehicle won't bring much if totalled, and
3) I drive very few miles when around here.

Anyone having experience with this idea?

You drive back and forth right? You are not talking about a parked vehicle in one state while you are in another? If your vehicle isn't worth much you might want to drop the comprehensive. But you should keep the liability in case you hurt somebody else. Liability isn't cheap though. But call them and ask for a price if you drop the comprehensive.

[fatlazyless]

Car insurance comprehensive coverage; $500 deductible verses zero deductible ..... what's the difference in price?

Needing to replace the front windshield due to a crack caused by "vibrations", a stress crack is something that happens when you drive a rough N.H. road on a regular basis like Route 175 in Holderness and Ashland before it got repaved with new smooth asphalt.

So, what's difference in price between a $500-deductible, a $250-deductible, and a zero deductible for comprehensive coverage for a 2017 Subaru Crosstrek?

[The Real BigGuy]

If your car is registered out of state it may not be possible to drop your coverage and keep your car registered. Brings us back to who can register a vehicle in NH.


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[upthesaukee]

Originally Posted by tis

You drive back and forth right? You are not talking about a parked vehicle in one state while you are in another? If your vehicle isn't worth much you might want to drop the comprehensive. But you should keep the liability in case you hurt somebody else. Liability isn't cheap though. But call them and ask for a price if you drop the comprehensive.

Actually, if you leave a car here in NH and besides liability coverage you also have at least Comprehensive Coverage (also known as OTC - Other than collision), when you leave, contact your agent and have them suspend all auto coverage on that vehicle except OTC. Your vehicle will then have just coverage for the Comprehensive Coverage (OTC). When you get ready to return to NH, contact your agent and have them reinstate those deleted coverages. You will save a lot of money.

Dave