HPM Insurance Blog

Condex Insurance in New Hampshire: What Every Owner Should Know

april@hpminsurance.com (April Weismann) — Mon, 14 Sep 2026 13:29:43 GMT

If you own or are considering purchasing a condex in New Hampshire, understanding how to insure it properly is essential. While a condex may look like a duplex, it is legally structured as a condominium association, creating unique insurance and ownership considerations that buyers, lenders, and even insurance professionals often misunderstand.

Getting the insurance setup wrong may not seem like a major issue until there's a claim. At that point, coverage gaps and ownership questions can become expensive problems. Because HPM Insurance works with many condex owners throughout New Hampshire, we've put together this guide to help you understand how condex insurance works.

Why Chasing the Lowest Home Insurance Price Can Cost You More Than You Save

april@hpminsurance.com (April Weismann) — Thu, 27 Aug 2026 18:31:50 GMT

Nothing seems to be getting less expensive, and home insurance is no exception. It can be frustrating to pay your premiums year after year, never file a claim, and still watch your costs increase.

When premiums rise, it's natural to look for ways to save money. Many homeowners call their insurance agent and ask a simple question: "Can you find me a lower price?"

As insurance agents, we understand. We buy insurance too. But we've also seen situations where a homeowner saves a few hundred dollars on premium only to face thousands of dollars in unexpected expenses after switching policies.

Before shopping solely based on price, it's important to understand what can happen when you move your coverage to a new insurance company.

Protecting Your Amherst Home: A Guide to High‑Value Home Insurance

april@hpminsurance.com (April Weismann) — Tue, 21 Apr 2026 20:40:54 GMT

Amherst, New Hampshire, is a town shaped by thoughtful planning, quality construction, and long‑term stewardship. Whether walking through the Village Green, admiring well‑preserved older homes, or passing newer custom builds in quieter parts of town, there’s a shared appreciation for homes that are built to last. In Amherst, a home is often a significant personal and financial investment—one that deserves careful consideration when it comes to insurance protection.

How Do I Insure An Investment Property?

april@hpminsurance.com (April Weismann) — Wed, 18 Mar 2026 16:38:32 GMT

New Hampshire continues to see strong residential and commercial property investment, from rental homes and apartment buildings to office, industrial, and mixed-use properties. For owners and investors, investment property insurance in New Hampshire is an important part of protecting both the building and the income it generates.

If you own or are buying investment property in New Hampshire, the right insurance can help safeguard your assets from costly losses. Coverage may protect the building, respond to liability claims, and help replace rental income if a covered loss disrupts operations.

Your Home Insurance Inspection: What to Expect and How to Prepare

april@hpminsurance.com (April Weismann) — Thu, 26 Feb 2026 17:10:08 GMT

When you learn that your home is to be inspected by your insurance company, whether because you are buying a new home, switching insurers, or your current carrier randomly ordered it, it's normal to feel anxious or caught off guard. However, inspections are quite common and part of a company's effort to reduce the likelihood of preventable claims.

At HPM Insurance, we want our clients to feel empowered, not worried. A home insurance inspection isn’t a "test" you pass or fail; it’s simply a tool used to make sure your home is properly valued and safe for years to come.

HPM and ISC Join Forces to Strengthen Service Across NH &New England

april@hpminsurance.com (April Weismann) — Tue, 27 Jan 2026 21:19:53 GMT

We’re excited to share big news: HPM Insurance and Insurance Solutions Corporation (ISC) have officially merged, uniting two trusted New Hampshire agencies with deep roots in client service, community commitment, and professional expertise.

Lyle Fulkerson of HPMInsurance

Keith Maglia of Insurance Solutions Corp

Leigh Pappalardo of Insurance Solutions Corp

Do You Need Rental Car Insurance in New Hampshire? Here’s What to Know

april@hpminsurance.com (April Weismann) — Wed, 14 Jan 2026 16:40:25 GMT

If your vehicle ends up in the repair shop after an accident, the last thing you want is to be left without transportation. Whether you rely on your car for your daily commute, errands, or family responsibilities, being without a vehicle can quickly turn life upside down. That’s where rental reimbursement coverage, commonly known as rental coverage or substitute transportation, becomes an essential part of your auto insurance protection.

The Basics of Collision & Comprehensive Coverage for New Hampshire Drivers

april@hpminsurance.com (April Weismann) — Wed, 19 Nov 2025 21:31:52 GMT

Choosing the right auto insurance coverage can feel overwhelming, especially when you’re trying to understand which coverages are needed to protect your vehicle. Two of the most important—but sometimes confusing—types of protection are Collision Coverage and Comprehensive Coverage, often referred to together as “full coverage.”

For New Hampshire drivers—who face everything from icy roads to wildlife crossings and crazy drivers on the highways—understanding the differences between these coverages is essential. This Q&A guide breaks down what Collision and Comprehensive cover, how it works, and why most drivers choose to include both.

Auto Insurance in New Hampshire: Liability Coverage and What it Means

april@hpminsurance.com (April Weismann) — Mon, 27 Oct 2025 20:36:24 GMT

No one likes spending more money than necessary, especially on insurance. Still, when told that you need to consider higher liability limits on your New Hampshire car insurance policy, you may wonder why.

What Do I Do If My NH Home Insurance Gets Non-Renewed?

april@hpminsurance.com (April Weismann) — Wed, 17 Sep 2025 14:59:06 GMT

Home insurance policies typically renew automatically, year after year, with few exceptions (like not paying the bill). If you receive a notice of non-renewal, this means that the insurance company is no longer willing to continue insuring your home as of the policy's expiration date.

Here is an explanation as to why you may have received a non-renewal notice for your NH homeowners' insurance policy and what steps to take if you do.