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Newmarket, NH 03857

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Flood insurance: How much should you buy?

When calculating your flood insurance coverage limits and premiums, you should heavily consider the value of the property as well as the severity of floods in your area. At Keslar Insurance Agency, we don’t just help you buy insurance but also guide you on how much coverage is adequate for you based on the information you provide. Just like any home insurance policy in Newmarket, NH, and the surrounding communities, flood insurance requires you to have enough coverage to rebuild your home in case of floods.

Concentrate on the main peril–flooding

For you to file a claim on flood insurance, your insurance provider must ascertain that it is indeed floods that caused the damage in your home. Flood insurance concentrates on two main areas:

  • The structure of your home
  • Your personal property inside the house

The structure of your home

In most cases, floods affect the contents of the home. If your home has an upper floor, chances of the upper floor being affected are close to zero; therefore, you can concentrate on the value of contents on the ground floor. If your home is a bungalow, where all the rooms are under one floor, then you may need to purchase flood insurance based on the whole value of the property. That means you pay more than another homeowner with a two-story building.

High risk or low risk

You also need to determine whether you live in a high risk or low-risk area. High-risk areas have a higher chance of flooding every year than low-risk regions. Assess the level of risk in your area from the NFIP before making a final decision. If your area is undetermined, you can still buy flood insurance based on the value of your personal belongings in the home.

To determine how much flood insurance is adequate for your home, it requires your personal input, but if you still need help, Keslar Insurance Agency in Newmarket, NH is here to help. Feel free to call or visit our website for more information.

5 Customer Conveniences in Keslar Insurance’s New Website

Keslar Insurance Agency announces the launch of a new enriched customer website. This new more robust site offers many new conveniences for our customers and prospects including:

  1. More comprehensive content within the website to help customers and prospects know the different types of insurance we provide and how/why they are important. It also clarifies that we are actively supporting clients in NH, ME, and MA.
  2. An easy to access to our self-service quote center which can provide ball-park quotes and help expedite the final quotation process.
  3. A convenient client center where customers can login 24/7 to access insurance documents including auto ID cards.
  4. An integrated Blog where we continue to add to our 100+ educational blog posts to help customers and prospects find relevant insurance information and answer questions.
  5. Easy access to carrier contact information and claim information for customer’s who prefer that direct access.

Check out all the great new features at www.keslarinsurance.com.

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire, Maine, and Massachusetts. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions, and business. Keslar Insurance’s agents focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include homeowners insurance, auto, life, umbrella, renters, landlord, boat, snowmobile, ATV, flood, commercial auto, business owner’s policies, general liability, worker’s compensation, motor home, camper, and more. For more information call 603-273-2953

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