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When should I review my life insurance?

Life insurance is not something that is one and done. It should change and grow or, in some cases, decrease as your life changes. Everyone has different life insurance needs. Today, tomorrow, and into the future, you need to review your life insurance from time to time to make sure it reflects your needs. If you have a trusted independent insurance agent like those at Keslar Insurance Agency in Newmarket, NH, it makes it much easier and stress-free to make sure your life insurance is right for where you are in life. 

When you get your first full-time job, you will probably have a benefits package. Life insurance may be part of it. This is your chance to get off to a good start with your financial future. Look at that policy and think about what it should provide to your loved ones. Is it adequate to take care of any debt you have and your final expenses? Ask your HR department about the policy and whether it can be increased, or if you move on, can you continue to pay for it on your own? These are important questions.  

Buying a policy on your own at this point is not a bad idea. It will always be with you no matter what job you move to. As a young, healthy person, your life insurance will never be less expensive. 

Buying a home is another time to review your life insurance. Make sure you have enough to cover your mortgage. 

The biggest event in most people’s life is when you get and decide to start a family. The responsibility level rises to new heights, and your life insurance needs to rise with it. Providing for a spouse and children for years requires a considerable amount of life insurance. Your independent agent can help you come up with the right figure for you and your family. 

Contact Keslar Insurance Agency in Newmarket, NH for your life insurance needs. 

When carrying collision and comprehensive auto insurance makes good sense

New Hampshire is a great place to live and to drive. But like everywhere, accidents do happen. New Hampshire does require residents to purchase auto insurance. You have to meet the state Motor Vehicle Financial Responsibility Requirements if you have an “at-fault” accident. You may have your license suspended if you cannot do this. It is easier and smarter for most people to carry auto insurance. At Keslar Insurance Agency in Newmarket, NH, we work hard to create trust with all of our customers. 

Collision and comprehensive coverage are both types of auto insurance to protect your vehicle. When you have an accident where you are the responsible party or in an accident where someone is at fault, but they don’t have insurance or have inadequate insurance, your insurance will have to pay for the repair or replacement of your vehicle. This is where collision insurance comes in. It makes good sense if you would have a hard time coming up with the funds to make these repairs yourself.  It will pay for the necessary repairs or replacement after a deductible is met. It is up to you to make sure you approve of the collision coverage you have. It isn’t all the same. Your independent insurance agent can guide you to companies that meet your specifications, especially when it comes to replacement parts.

Comprehensive coverage also protects your vehicle but from hazards that are beyond your control. Not that all accidents are controllable, but comprehensive is different. It covers weather events like storms, flooding, and hail. These can cause lots of damage to your vehicle. It covers theft and vandalism and deer running into or in front of your vehicle. 

Contact Keslar Insurance Agency in Newmarket, NH for all your insurance needs.

5 Important Benefits Of Commercial Insurance

Based in Newmarket, NH, Keslar Insurance Agency helps the community protect their assets. We offer our clients policies that will protect them regardless of what life may bring their way. We have established relationships with many of the top insurance carriers in the country.

Benefits Of Commercial Insurance

As a Newmarket, NH business owner, it’s important that you protect your investment. Commercial insurance helps cover you from the risks associated with operating a business. Here is a look at some of the specific benefits of commercial insurance.

Protects Your Business During Potential Liability Disputes

Commercial insurance protects your business if one of your customers is injured while visiting your property or if they claim a faulty product made them sick. The policy gives you peace of mind as you handle these disputes. If you use vehicles to transport goods or perform services, liability coverage will protect you if you accidentally collide with another vehicle or object. Liability coverage also protects you against possible allegations of slander.

Allows You To Protect Your Employees

Workers’ compensation protects your business and your employees if someone is injured in the workforce. Workers’ compensation protects you against a potential dispute while also showing how much you value your employees’ contributions.

Covers Damage

Commercial insurance covers any damages to your property. You’re also covered if your inventory is stolen.

Provides A Safety Net During Emergencies

If you cannot operate your business due to a fire or natural disaster, you’ll be covered during this time period.

Enhances Your Reputation

Your business becomes more attractive to potential hires if you have a strong commercial insurance policy.

Keslar Insurance Agency Will Help You Protect Your Investment

Visit our website today to learn more information about commercial insurance in Maine and New Hampshire.

When should you review your home insurance

Home is where the heart is and where having great home insurance makes it easier to sleep at night. Home insurance is required when you have a mortgage and taken for granted unless you need to use it. When you renew your home insurance, you will get a declaration page that defines your coverage. At Keslar Insurance Agency in Newmarket, NH, we are independent agents who represent dozens of carriers. This means we can find great coverage for you at a fair price. 

Yearly

The ideal time to review your home insurance policy is when you get your renewal policy. Look at all the details on your declaration page. Is the replacement cost coverage on your home realistic in your neighborhood?  Are the liability limits enough to make you feel safe? Are there some endorsements you should be considering? Take a good look at your policy and read the exclusions, is there some additional coverage you might want to add. 

You have done a major renovation.

Your home is valued for replacement by your insurance company. If you have done something that has increased its value significantly, you must tell the insurance company. Things that add significant value are adding liveable square footage. This can be finishing an attic, a basement, or adding a room. Replacing an aging roof may lower your premium, so it is worth reporting. 

Added security

Adding a home security system makes your home less of a risk and needs to be reported. If you have added smoke detectors, this is also a change that makes a difference. 

Received an expensive gift

If you received an expensive gift, it might not be protected. Review your insurance for coverage limits and consider adding an endorsement if needed. 

If you are ready to review your home policy at Keslar Insurance Agency in Newmarket, NH, we are happy to do it with you and make suggestions and give you a no-obligation quote. 

 

Will Renters Insurance Provide Coverage for the Structure?

If you’re looking for a great place to live but not quite ready to buy a house yet, or you just like the freedom of not being tied to homeownership, renting can be a great choice. But you should make sure you have good renters insurance and also understand what that insurance covers. At Keslar Insurance Agency, we can help you find the renter’s policy that’s right for you. All our customers in the Newmarket, NH area get great service and dedication because we know how important having good insurance can protect your belongings and your future.

One common question we get is whether an insurance policy for a renter provides coverage for the home’s actual structure. The answer is no; it does not. This kind of insurance is designed to protect the renter’s belongings, not the structure that they’re renting. The landlord’s policy protects the building, which is not something the renter has any responsibility for. When renting a place to live or a commercial building, the only thing you need to be concerned about insuring is what you’ve brought into the space.

Reach out to us at Keslar Insurance Agency today if you’re renting in or near the Newmarket, NH area, and let us help you find the renter’s insurance policy that will be right for your needs. We know it can be confusing to find the best type of insurance, and we want to make sure you can get a quality policy that meets your needs and gives you peace of mind. Your belongings are important, and replacing them unexpectedly could be a burden. With a good insurance policy, you’ll know you’re covered if you find that you have to replace any of your belongings.

A Guide To Assist Residents As They Look For Motor Home Insurance

Keslar Insurance Agency proudly serves the Newmarket, NH community by offering residents multiple types of insurance policies. We strive to help our clients find policies that will allow them to protect their assets and live comfortably. As an independent insurance agency, we have established successful relationships with several regional and national insurance carriers. This allows us to offer our clients custom policies designed to meet their needs.

Motor Home Insurance Options

Motorhomes are recognized as a convenient way to travel and explore different parts of the country. Motorhome insurance allows you to protect your vehicle as you explore different parts of Newmarket, NH while also providing a layer of comfort to you.

While you research different policies, make sure that you are aware of the type of motorhome that you have. Larger motorhomes, such as coaches, need different coverage compared to smaller types of motorhomes. You can amend your policy to include coverage and accessories attached to your motorhomes, such as a trailer or camper. You also have to analyze whether you are using your motorhome to travel or if you are living in it on a full-time basis.

The policy will cover you in the event that you are involved in an accident with another vehicle or if you hit an object such as a tree or pole. You can amend your policy to include coverage while you are camping or vacationing somewhere. This will cover you in the event that your motorhome is vandalized or if someone breaks into your motorhome and steals your possessions. You can also add coverage that protects you in the event that your motorhome breaks down and you choose to have towed.

Consult With Keslar Insurance Agency

If you would like to learn more information about Motor home insurance policies, please visit our office.

What Type of Motorcycle Insurance Do You Need in New Hampshire?

If you’re a motorcycle rider in Newmarket, NH, you understand that you’ll need special insurance. However, deciding on which specific insurance you need can be complicated. At Keslar Insurance Agency, we’re here to help you decide on the coverage that’s right for the way you ride. There are various types of insurance to consider, including the following: 

Collision Coverage

If you are still making payments on your bike, it’s likely that your lender will require that you carry collision coverage on the full value of the bike. This ensures that if you’re in an accident and the motorcycle is totaled, the lender will still receive their money. 

Liability Coverage

If you’re involved in an accident, it’s likely that there will be damage to another vehicle, property, or that others could be injured. Liability coverage helps to handle these expenses so that you are not personally responsible for them. This coverage will also help you if anyone sues you as a result of the accident. You can purchase various amounts of liability coverage, depending on what you can afford and what you think is necessary. 

Medical Coverage

Motorcycle accidents can result in severe injuries. Medical coverage helps to pay your medical expenses, either after your health insurance is capped out, or in coordination with your health insurance, depending on how your policies are set up. A skilled insurance agent from Keslar Insurance Agency can help you evaluate your existing coverage and decide if you need more. 

When you need motorcycle insurance in Newmarket, NH, reach out to our friendly professionals. We’ll help you to determine the best insurance for you so that you’re covered while you ride. 

Boat insurance: Do I need it?

Boat Insurance: Do I need it?

While boat insurance is not a requirement in Newmarket, NH, it doesn’t mean you are safe without it. Boat insurance is a critical financial tool that protects you from lawsuits that could quickly leave you broke. Even if you only use your boat once in a while, it is essential to think about insurance, especially with regard to liability. At Keslar Insurance Agency, we recommend buying adequate insurance to cover you and your passengers.

It could be a requirement.

If you bought your boat through a bank loan, the chances are that your bank will require you to purchase boat insurance to help protect the watercraft while it is in your hands. The bank is the lienholder on that policy and will be the co-payee in case of loss or damage. Marinas also require a form of coverage before accepting a contract for mooring or slip. 

It offers a wide range of coverages.

Most boat insurance policies offer almost similar coverages, like auto insurance. You and your boat are protected from a wide array of perils that may result while you are in the water. If you spend most of your time in the water, you may want to have enough liability coverage. Find an option that can provide you with some additional coverages like emergency services, fishing equipment protection, and other premium services. 

Litigation and investment protection

How much would it cost you to replace your boat if it was stolen or damaged? Would you be able to replace it immediately? Probably not. That is why you need boat insurance to protect it. Without adequate protection, you risk losing your investment to various accidents or any other event that could lead to damage or loss of your watercraft. Lawsuits are also common in Newmarket, NH. You can get sued anytime for just about anything. Boat insurance helps you stay protected.

For more information, queries, quotes, or new policy discussions, feel free to speak to any of our Keslar Insurance Agency today!

How Umbrella Insurance Works

Umbrella insurance is also known as catastrophic insurance. Liability claims and damages can easily exceed the limits of your primary policy, which can truly create a financial catastrophe. At Keslar Insurance Agency in Newmarket, NH, we offer umbrella policies to provide the coverage you need if the worst happens.

What Is Umbrella Insurance? 

Umbrella insurance functions as a secondary personal liability policy. All insurance policies have coverage limits. The limits of your primary policy are designed to cover most claims. If your financial liability exceeds the coverage limits, you are left to pay the difference. This can put your assets and your financial future at risk. An umbrella policy provides coverage when your primary policy limit is exceeded and covers the difference up to its coverage limit. 

Coverage Limits

Umbrella insurance requires you to have certain coverage limits on your primary policies, but that still may not be enough in certain circumstances. A multi-car pileup or an accident where someone is permanently injured can easily exceed coverage limits. This is when umbrella insurance kicks in. Most umbrella policies are sold in increments of a million dollars, beginning at one million and going up to five million. 

What Umbrella Insurance Covers

Most umbrella policies will cover you and the members of your household. It will cover claims that exceed your auto, home, and watercraft or recreational vehicle policies up to its coverage limit. Umbrella coverage may cover things not included in your primary policies as well. 

In most cases, umbrella insurance won’t cover damage to your property or your medical bills. It doesn’t cover damage inflicted intentionally, or claims related to a business you own. However, it does provide you with excess liability protection, usually worldwide. 

At Keslar Insurance Agency, we know the risks residents of Newmarket, NH face. Accidents can be very costly, and you can quickly lose everything you’ve worked for. If you want the extra peace of mind that comes with an umbrella policy, contact us today to get started. 

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.

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