Click to Call
Keslar Insurance Agency

114 Main Street
Newmarket, NH 03857

Get Directions
Keslar Insurance Agency Blog

Insurance Blog

How to Prepare Your Home for Winter

Preparing your home for winter in Newmarket, NH is vital for staying warm and protecting it. By being proactive, you can lower energy bills and increase the lifespan and efficiency of the home’s components.

  • Check Your Heating System: Take the time to change your filters and have it looked at by a reputable HVAC contractor.
  • Seal Exterior Wood: The wood trim on the exterior of the house should be protected from the elements. Replacing trim can be expensive, so it’s best to make sure it doesn’t rot, to begin with.
  • Check Drainage: Make sure soil around the foundation hasn’t settled because this can create areas for water to pool. Be sure the water is going to move away from the home.
  • Clean Gutters: Once the leaves are off the trees, then you need to clean the gutters. When the gutters back up, it can overflow into the home.
  • Clean the Chimney: Have the fireplace inspected before you start to build fires for the winter. Now is the time to get new firewood and make sure that the firewood isn’t rotten.
  • Test Carbon Monoxide and Smoke Detectors: Winter is a typical time for house fires. Carbon monoxide can also be a big issue because the house is closed up. Check the detectors or consider getting some if your home is not equipped.
  • Shut Down the Sprinkler System: Your sprinkler system should be shut down, and many systems require the lines to be blown out. The outside water faucet is not protected from the elements so it can freeze during winter. Take the time to do a necessary drain of the line.
  • Check the Trees: Make sure trees are healthy, so they don’t fall on your home or your neighbor’s home during a winter storm.
  • Be Sure Your Home Insurance Is Up to Date: Now is as good a time as any to check to make sure your home insurance in Newmarket, NH will cover any winter storms. An agent at Keslar Insurance Agency can help update your policy if needed.

Contact Keslar Insurance Agency to get a quote on home insurance and have your questions answered.

Ethan Keslar Interns at Keslar Insurance

ethan 2Newmarket, NH, December 27, 2018- Keslar Insurance Agency, a leading provider of insurance solutions in NH and ME, announced that Ethan Keslar will be interning for the month of January. Ethan currently attends the University of New Hampshire ‘s Paul College, where he is studying business administration with a focus in entrepreneurship and management. Prior to working at Keslar Insurance, Ethan worked for Goodhue and Hawkins a premier marina in Wolfeboro, New Hampshire where he worked closely with customers.

“We are excited to have Ethan in the office learning about the business. It is a nice opportunity for our family focused business. We are confident he will bring great energy and fresh ideas while he is here,” said David Keslar.

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees 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 visit: www.keslarinsurance.com.

Brendan Jorgensen now Licensed P&C Agent for Keslar Insurance Agency

 

 

Brendan JorgensenKeslar Insurance Agency is pleased to announce that Brendan Jorgensen is now a licensed property and casualty agent in NH and ME. He is now able to fully support home, auto and business insurance.

“We are excited to see Brendan move to this next level in his career with us. We are confident that he will provide exceptional service throughout the relationship with our customers.” said Lisa Keslar of Keslar Insurance.

Brendan is a resident of Newmarket,  where he and his wife are raising their two children. He’s very active in the community including working with the Newmarket Business Association and the BeFree Community Church.

Learn more about Brendan.

About Keslar Insurance

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees 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 visit: www.keslarinsurance.com.


 

Are your child’s possessions insured when they go to college?

Aerial of CampusWhen your child goes to college, are their possessions covered by your homeowner’s policy? Like everything else, it depends.  We recommend you discuss this with your insurance agent to make sure that you know the best ways to keep your kid’s items protected.

On campus housing:

Most student personal possessions are covered under their parents’ homeowner’s or renter’s insurance policy if the student lives in a dormitory.

  • There may be some limitations on how much it is covered for as “off premise possessions” are handled separately so always check with your agent to make sure it is enough to cover their belongings.
  • Encourage students to leave expensive jewelry and the like at home. Only bring essentials to school.

Off-Campus housing:

Students who live off-campus are most likely not covered under their parents’ homeowner’s insurance policy and need to purchase their own renter’s insurance policy. These policies are typically very inexpensive, often between $15-30/month!

  • Rental policies typically provide coverage for the personal property and liability coverage.
  • Discuss the importance of a “replacement cost policy” vs. an “actual cash value policy” with your agent.
  • Many renter’s policies will pay the extra cost to live somewhere else temporarily if the student needs to move out for a while if the apartment is damaged. This can happen in a building full of students!
  • Note: If the student lives in a rented apartment, house or condominium, the landlord’s insurance doesn’t cover your personal property in the event that it is stolen or damaged as a result of a fire, theft or other unexpected circumstance.
  • If more than one student rents an apartment, house or condo, they each should have their own renter’s policy.
  • If your student is traveling abroad, ask you insurance agent if the renter’s policy includes coverage outside the US.

Compile an inventory of student belongings

In either case, it is good practice to create a list of the items the student is taking to college. This inventory will be helpful if the student’s property is stolen or damaged.

  • It should include the brand, make and model of each item, as well as serial numbers.
  • A photographic record is also helpful, especially if the student has personalized the laptop or tablet with a custom skin.
  • Keep the inventory in a safe place, along with receipts for the most expensive items.
  • The receipts will help establish value if the parents obtain replacement cost coverage.

Have questions? We are here for you- anytime. Don’t hesitate to reach out and we’d be happy to answer any of your insurance questions. We can be reached at www.keslarinsurance.com or 603-273-0953.  Keslar Insurance Agency is an independent insurance agency offering business, home, auto and life insurance in NH and in ME.

It may be more costly to go without homeowner’s insurance- for reasons you don’t expect.

A homeowners insurance lapse occurs when you go without coverage for any period of time — even one day. There are a few common ways it can happen, for example:

  • Your insurance company canceled your policy (for reasons like physical changes to your property)
  • You failed to make payments on time (which can lead to suspension or cancellation of coverage)
  • You let your policy expire without securing a new one

What can happen if my homeowners insurance lapses?

Your rates may go up. Even if your policy lapsed 2 days ago, you may face higher rates when you give your insurer a call to get it started back up. That’s because actuaries have found that people who maintain continuous insurance over the years tend to pose less of a financial risk, so letting your coverage lapse — even for a short time — could put you into a higher-risk category when it comes time to determine your new homeowners premium.

Your lender may purchase expensive insurance for you. If you have a mortgage on your home, your lender likely requires continuous homeowners insurance as part of the conditions of your loan. If your policy lapses for any reason, your mortgage company is often notified. The mortgage company typically has the right to purchase a policy on the home and pay for it through your homeowners escrow account — which will, in turn, raise your mortgage payments. Not only is this insurance almost always much more expensive than a typical homeowners policy, but it often entails lower-quality coverage, too. Lender-placed insurance often does not cover home contents, only the building itself and attached structures. Additionally, in some cases, the mortgage company could see this as a violation of the terms of your loan and may take legal action against you to recover the full amount of the money loaned.

You might have trouble getting insured again.  If you let your coverage lapse, there’s a possibility you’ll have a harder time getting a policy for the same financial-risk reasons mentioned above. This means, the companies that may take on your risk are likely to do so for either less coverages or higher premiums- or both.

If something happens while you’re uninsured, you’re out of luck.

Say you let your policy expire and haven’t secured a new one. Just as luck would have it, lightning hits a tree in your yard, causing it to fall on your roof and cause major damage. Or maybe a thief breaks into your place while you’re on vacation and steals some family heirlooms. You are financially responsible for those situations. Even if you secure a home policy right after an incident occurs, home insurers will not cover damage that happened before the policy’s start date.

What can you do? First, call the most current insurance provider to find out whether the company will reinstate the policy. Although this isn’t always possible, it may be the easiest and least costly thing to try first.

If you cannot get the policy reinstated, work with a local independent agent who can work with their various carriers to see who may be willing to take on the risk, at what price point.  After a few months, work with your independent agent to see if it makes sense to consider other carriers if new rates are excessive.  Transitioning to a new carrier is easier when there is already insurance placed on the home. Additionally, rates may be less expensive as you build up a history of continuous coverage.

For any additional questions, reach out to you independent insurance agent. Of course, we are always happy to help too!

Have a 2nd home? Your insurance company may expect you to keep it plowed this winter

untitled-design1Many people in our area own summer homes at the ocean, on a lake or in the mountains. This is a great destination spot to spend your summer weekends and vacations. But what happens in winter?

Many of us find it difficult to break away to visit these seasonal homes during the off-season. Between work, children’s activities and other family obligations, we just don’t get up there as we may like. So, if you know you aren’t going to go up, why have the driveway plowed? That means you’d either have to go up or pay someone to do it for you. Seems like time and money better spent elsewhere. But maybe not.

Your insurer may require access to the home year around. In the event of a fire or other issue, if the driveway to the home isn’t plowed, the emergency vehicles would be unable to get close enough to minimize the losses. Of course, it would be in your best interest, too, to try to  make sure your property is accessible for the same reason.

Unsure what your insurance requires? This is a great time to ask your agent. They can review coverages and expectations with you.  If you have any other questions or would like us to review your coverages, we are happy to help. We can be reached at www.keslarinsurance.com or 603-273-0953. Keslar Insurance Agency is in independent agency offering a wide variety of carriers for home, auto, business and life insurance in NH and Maine.

 

Did you know you have a choice in flood insurance? Here’s why you need to know about Private market flood insurance.

are you read for a flood?

Have you been told by your mortgage company that you are in a flood zone and need flood insurance? If so, you should know that you have a choice. You may get your flood insurance from FEMA National Flood Insurance. OR you may get private market flood policy. What’s the difference?

Private market flood is often less expensive

Private market insurance can often be less expensive than FEMA insurance. Also, policy holders that have allowed their policies to lapse and those homeowners with incredibly high premiums due to age of home or low elevations will also find that often Private market insurance rates are lower.

Private market flood covers even more.

A Private Market Flood policy is just as broad, and covers JUST as much as a FEMA National Flood Insurance Policy. It often has the same claims adjusters as FEMA policies.  Additionally, higher coverages for the building and personal contents may be available with Private market flood (FEMA limits at about $250K in coverages and Private goes up to $500K).

Reputable underwriter for Private Flood.

Underwritten by certain underwriters at Lloyd’s of London (A rated by AM Best).

Elevation certificates not needed.

Also, it typically does not require any sort of documentation, such as an elevation certificate.

Same day policies may be available.

Private flood is fast.  Often private flood is faster, often with only a 14 day wait (except for loan closings, which require NO wait)! That’s over 2 weeks less than FEMA’s standard wait time.

Want to discuss private flood in more detail?

We’d been able to put many clients with a private flood alternative, saving them from the more expensive Federal premiums. We’d be happy to run a quote for you and see what you may be able to save. We are available at 603-273-0953 or www.keslarinsurance.com

5 Reasons why spring’s arrival may mean insurance changes

flowers

 

The winter’s is behind us, hopefully. With spring’s arrival, there are often new things that impact your insurance needs. But now is the time to be addressing these issues with your agent.

  1. New toys: boats, motorcycles, ATV’s.

Many people buy “toys” to use for the nice weather in the spring. Call your agent as you consider your options to see how much it may cost you to put insurance coverage on these items.

2. Toys out of storage (motorcycles, ATV’s, boats and cars). 

You may need update your boat, motorcycle or ATV coverage now that you are either pulling these out of storage or maybe buying a new one!  You may be putting that convertible back on the road. Also, you may be putting your winter toys into storage, like your snowmobiles. Some policies may provide discounts for taking them “off the road”.  All of these things can be covered with a quick call to you agent.

3. Pothole damage

Driving through a pothole may ding up your car or cause damage, but you’re typically covered when you have collision coverage with your car insurance. If you don’t have coverage, however, you’re likely stuck with paying for the costs out of pocket. Ask your agent what your policy covers.

4. Spring flooding

When winter snow starts to melt, rivers and streams may rise. Mix in some spring rains, and there is potential for flooding. While a standard home insurance policy covers water damage from sudden occurrences – such as burst pipes – it typically will not cover destruction related to spring floods. Calling your agent before you run the risk of a flood is always a good idea to learn about your options.

5. Hail damage- autos and homes

Springtime storms can bring hail that destroys siding and roof shingles. Fortunately, homeowners are usually protected under their home insurance policies.  And if a window breaks because of a storm, that’s typically covered too, along with resulting water damage.  Your auto policy may also cover any damages to your vehicle. Always ask your agent to make sure you know what is covered in your particular policy.

If you have any insurance related questions or concerns, please feel free to reach out to us. We’d be happy to assist you. We can be reached at www.keslarinsurance.com or 603-273-0953.

Thinking of moving? Have a few homeowner’s insurance claims? What you should know

movingYou’ve determined it is time to move to a new home. You’ve had a run of bad luck and have a few claims filed with your homeowner’s insurance company in the past few years. Now, you are wondering how that may impact you going forward.

Do the claims follow me or the house?

Let’s look at how the claims impact you. When you go to get insurance on a new home, the new insurance carrier will pull what they call “reports.” Part of these reports show  your claims history. Typically, each carrier considers your claims history over different periods of time and has different eligibility requirements that they will accept. In many cases, a recent history of multiple claims could cause you to either incur higher insurance premiums for your new home or even make you ineligible for their products. Fortunately, an independent agent often has multiple carriers they can work with so they are much more likely to find you some good coverages at the best price they can.

Will these claims haunt me forever?

No. Remember, each company has different guidelines on how far back they look at claims and what they are willing to accept. Over time, these claims will “drop off” your reports, allowing you to potentially purchase better insurance products at better prices. Regardless if you are selling your home or not, your agent should be reviewing this with you and the carriers each year to ensure you are not overpaying or in the wrong product for your needs.

How does this typically impact those buying my current home?

Great question. One would think that a home with numerous claims would have a more difficult time getting insurance. This may be true, but often this is more because the home may require some updating or repairs than because of the number of historic claims.

Will the new buyers of my home know about the claims?

When their insurance agent pulls the buyer’s “reports” with that new address, the claims often come across on the reports. They aren’t typically penalized because of these claims as they would be attributed to you, the seller. But it is possible they could become aware of a claims history. You should always make sure you work with a licensed Real Estate agent to ensure you are handling all disclosures about your property correctly.

Still have questions?

Always talk to your homeowner’s insurance agent anytime you are considering making a change like moving, renovating or buying additional property. All of these things can impact your insurance in ways you may not have considered. Your agent can help address any questions, point out any risks and ensure that you have the right protection at the right time. We’d be happy to help with that too! We can be reached at 603-273-0953 or www. keslarinsurance.com.

 

 

 

Major home renovation? Your homeowners insurance may need to change

hammer.jpgPlanning a major renovation to your home or new purchase? Maybe one that is so big you can not live in the home while work is done? What you may not realize is that your traditional homeowner’s insurance policies typically will not cover many common risks during this process. Instead, your agent should direct you to a Builder’s Risk insurance policy. It is important coverage that protects your investment from unforeseen risks, weather damage and material damage.

What Builders Risk Insurance Covers

Your builders risk insurance policy will often cover:

  • Property damage: Includes construction material, heavy machinery and equipment, temporary structures, cribbing, false work, fencing, scaffolding, construction signs and landscaping
  • Theft: theft of building materials
  • Labor costs and earned profits: Replaces labor costs, income and expenses
  • Perils of nature and man-made disasters: Hurricanes, fires, blizzards, severe hail storms, lightning, black outs, broken water mains
  • Other damages: Negligent workmanship, flawed materials or design

Some coverage will be part of a basic policy and other items will need to be added on. It is important that you work through the details of a policy beforehand with your agent.

What Is excluded from a Builders Risk Insurance Policy? What else do I need?

Note that these policies do not cover accidents and injuries at the workplace or liability risks. They will also often exclude certain acts of nature, such as earthquakes and floods. Typically you can buy liability, flood insurance and earthquake insurance separately. You should strongly consider acquiring separate liability insurance. Ask your agent about this important coverage.

Doesn’t my contractor’s business policy cover this?

You’ll need a policy if your contractor doesn’t have proper coverage. Be sure to ask your contractor what type of insurance he is carrying and what his limits are. You should get a certificate of insurance from your builder that is comprehensive and includes liability coverage even on completed construction operations. Whether you need insurance depends also on your contract with your general contractor and what that specifies.

How Long Does the Insurance Last? What do I do when my project is complete?

Normally the insurance lasts three, six or twelve months. The coverage ends when the building is completed or occupied. Once the work is just about complete, you should begin talking to your agent about a more traditional homeowner’s insurance policy so it can be lined up in time for completion.

Fast Claims

When you are on a strict construction timeline, getting fast claims service will be essential in order to complete your project and meet your budget.

The Advantage of Working with an Independent Agent

Whenever you take on a new construction project, it is important to have an independent agent on your team to help you minimize your “course of construction” building risks. Your agent will provide you with access to multiple companies and builders risk insurance policy options and advise you on how to customize the options to your specific construction project. We’d be happy to review your options for your given situation. We can be reached at 603-273-0953 or www.keslarinsurance.com.

Get a Quote


What we offer

SERVICING THESE STATES

  • New Hampshire
  • Maine
  • Massachusetts

Archives

Categories

Our Trusted Partners

  • Concord Group Insurance
  • Foremost Insurance Group
  • Great Falls
  • Hanover Insurance Co.
  • Main Street America
  • MetLife
  • Mt Washington Mutual
  • Providence Mutual
  • Progressive
  • Safety Insurance