College-age children are at a unique stage of life, as they’re still part of the family but starting to make their own way in the world. This stage affects many areas of life, including insurance. If you have a son or daughter attending college,...

When renting out a residence, it’s important to have the right insurance in place before a tenant move in. Though homeowner's insurance and landlord insurance may seem similar, there are some critical differences....

If you run a business out of your house, like a growing number of people in New Hampshire, you may think you don’t need a commercial policy.  After all, you have a NH homeowners policy and you work from the home, so you assume that should cover...

A yard sale sounds like a great idea. You can get rid of clutter, “go green” and make a little money. But before you start hanging signs throughout the neighborhood, be prepared. There are several issues that you should consider to ensure your sale...

It can come as a surprise to many consumers that credit is a factor used by insurance companies when rating home or auto insurance in New Hampshire. Here is some information to understand how it is used, why and what rights you have regarding your...

As your home is most likely your largest asset, you want to be sure it is covered adequately, but what is that magic number?  Between the purchase price and replacement cost  - how much coverage should you have on your homeowner's insurance policy?...

Life can bring changes, including the occupancy or vacancy of a property you own.  Though insurance may seem like a minor detail that will pay a claim because you paid the premium, it is essential to remember that insurance is a contract with set...

As winds whip throughout New Hampshire, it can take down large trees and branches causing quite a bit of damage to property. At HPM Insurance we field lots of calls on this topic so felt it worthy of a blog. Here are some of the more common...

Why a High-Value Home Should be Insured on a High-Value Homeowner's Insurance Policy

Luxury homes have unique features such as hand-craft finishes and custom woodwork. In the event of storm damage, a fire, theft or even a personal lawsuit,...

Insurance is something that we know we all need but how much should it cost? It may seem like insurance companies throw a dart at a wall to figure a price, but there really is a lot that goes into calculating the premium. Here is an inside look at...