HPM Insurance Blog

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 or switching insurers, 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.

Why Medium-Sized Businesses Need Business Interruption Insurance

april@hpminsurance.com (April Weismann) — Wed, 06 Aug 2025 17:09:11 GMT

Nearly all businesses in New Hampshire would encounter financial hardship if forced to halt operations unexpectedly, especially mid-sized companies, which carry substantial operating costs that remain due regardless of activity. Business interruption insurance offers vital support in such situations.

Does My NH Home Insurance Cover Damage from Heavy Rain?

april@hpminsurance.com (April Weismann) — Thu, 17 Jul 2025 17:55:06 GMT

It is interesting how many people often think of things, including myself. Everyone understands that a lot of water causes a flood, so when we think about a lot of water, our minds picture the ocean or perhaps a large lake. But what about drops of water? Can many drops of water be considered a flood?

Read on to understand the connection between water, flooding, and how home insurance can respond (or not).

How Does a Speeding Ticket Impact My Auto Insurance in New Hampshire?

april@hpminsurance.com (April Weismann) — Fri, 06 Jun 2025 14:19:45 GMT

I am not sure if it's because I am getting older, but it seems that drivers on NH highways are going faster than ever. 70 mph is the new 55, while not uncommon to see drivers fly by at over 90 mph. This excessive speed also has consequences, as you can't turn on the local news without hearing about a fatal accident, highway shutdown, or police chase caused by speeding drivers.

As I putter along the highway at a comfortable 65 - 70mph, I often think, "If people drive like this all the time, how do they even afford their insurance?" Here is some insight on how speeding can impact your NH car insurance.

How Will Tariffs Likely Impact Your NH Home & Auto Insurance Rates?

april@hpminsurance.com (April Weismann) — Wed, 23 Apr 2025 15:57:06 GMT

The new tariffs being implemented are affecting much of the economy. Whether you think that impact is good or bad, one thing is virtually certain about its impact on insurance. The new tariffs are likely to cause your home and auto insurance rates to increase.