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Dover, NH 03820

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New Hampshire Insurance Blog

Essential Home Insurance Tips for New Hampshire Homeowners

When it comes time for Dover, NH homeowners to protect their investment, they will turn to the good folks at Gateway Property & Casualty. There is no shortage of tips and pointers for homeowners to remain aware of when they are in the process of securing an insurance policy. Thanks to the following guide, avoiding the most common pitfalls has never been easier. 

Consider Potential Repairs

No two homes are exactly alike, and there is no reason to purchase a policy that is based on what other people have experienced. A New Hampshire homeowner will need to take their home into account, especially any potential repairs that may need to take place. What are the local concerns that you need to be aware of? How might they affect a potential repair project? These are questions that must be answered.

Don’t Make Assumptions

You may be an informed homeowner, but that does not mean that you will be able to make all of the necessary insurance policy decisions. That’s why it is important to schedule a consultation with the professionals. Otherwise, you could end up purchasing a policy that does not provide the proper amount of coverage.

Take a Personal Inventory

If you are unwilling to take the time to take a personal inventory before obtaining a homeowners’ insurance policy, you are placing yourself in an unenviable position. Before speaking with professional insurance agents, you need to know what items need the most protection. Whether you are looking to protect artwork, electronics, clothes, jewelry, furniture or any other personal property, you need to have a list on hand once it comes time to establish a policy.

We Are Here To Help

If you would like to learn more about the most essential home insurance tips for Dover, NH homeowners, contact Gateway Property & Casualty as soon as possible. Our team of professionals is always on hand and ready to assist you.

3 Benefits to Purchasing Temporary Life Insurance in New Hampshire

Temporary life insurance is one of the most cost-effective policy options for people seeking life insurance.  These plans typically last between 10 and 30 years.  If you live in New Hampshire and are thinking of buying term life insurance, this could be beneficial for you in various ways.  We at Gateway Property & Casualty serving Dover, NH could help you make informed decisions in finding the right policy for you and your needs.

Term Life Policies are Simple and Cost-Effective

Unlike whole-life policies, temporary policies tend to be less expensive.  Residents in New Hampshire tend to choose this policy because of its simplicity and cost-effectiveness.  These plans also are fixed throughout the policy.  Term life policies are good if you’re just seeking something for a set amount of years and don’t need something permanent.  It makes it easier for families on tight budgets to afford life insurance.

You Can Always Convert it to Permanent Life Insurance

There is also an option to convert term life insurance to a permanent one.  This normally happens if a person decides they need to have a permanent option.  They may start the first several years using term life insurance.  But when their circumstance starts to change, their medical condition, for example, they can opt to convert their plan to a whole life plan.

Provides More Flexibility

Term life policies are great for when you need them at specific times in your life.  It provides that flexibility you need that you don’t get in a whole life policy. For example, when you decide you need to start a plan for the next 10 years of your life, you can easily start one right away with a temporary life policy.

Contact Our Office for More Information

If you need more information about your temporary life insurance options, we’re always here to help.  Contact our Dover, NH area insurance professionals at Gateway Property & Casualty to schedule an appointment today.        

What is Speciality Insurance and Who Needs It?

Ever wondered about that extra layer of protection for life’s unique surprises? Meet specialty insurance. At Gateway Property & Casualty, serving greater Dover, NH, we’re here to demystify specialty insurance and see if it’s the right fit for you.

Unraveling the Mystery: What is Specialty Insurance?

So, what exactly is specialty insurance? It’s a customized safety net designed for specific situations or assets that may not be adequately protected by standard policies. Whether you have a prized art collection, a classic car, or engage in unique activities, specialty insurance steps in to provide tailored protection.

Who Needs It? Exploring the Niche

Now, let’s delve into who might benefit from specialty insurance. If you own valuable items like jewelry, antiques, or rare collectibles, a specialty policy ensures they’re safeguarded. Classic car enthusiasts can enjoy the open road with the assurance that their vintage beauty is protected. Even if you’re into niche hobbies or have a home-based business with specific needs, specialty insurance can be your safeguard.

Your Trusted Partner: Gateway Property & Casualty

At Gateway Property & Casualty, we understand that your life is unique, and your insurance should reflect that. Our team is dedicated to helping you navigate the world of specialty insurance, ensuring you have the coverage that aligns with your distinctive lifestyle.

If you find yourself with unique assets or engaging in activities that demand a specialized touch, it’s time to explore the world of specialty insurance. Gateway Property & Casualty, your trusted insurance partner in greater Dover, NH, is here to guide you through the process, offering personalized solutions that cater to your distinct needs. Secure your uniqueness with us.

What Are the Benefits of Classic Car Insurance When Compared to Regular Auto Insurance?

Owning a classic car is a cherished hobby for many. However, when it comes to insuring these vintage beauties, classic car insurance offers distinct advantages compared to regular auto insurance. Here at Gateway Property & Casualty, providing auto and classic car insurance in Dover, NH, we want to help you learn more about the differences between these two types of insurance. 

Agreed Value Coverage

Classic car insurance shines with its agreed-value coverage. Unlike standard auto insurance, which pays out based on your vehicle’s depreciated actual cash value, classic car insurance allows you to establish an agreed-upon value with your insurer. This agreed value accounts for the uniqueness and any modifications to your classic car. In the unfortunate event of a covered loss, you’ll be reimbursed according to this pre-determined value, preserving your investment.

Lower Premiums

A significant draw of classic car insurance is the lower premiums it offers. Classic cars are typically driven less frequently and are often stored securely, reducing the risk of accidents or theft. Classic car insurance policies often come with mileage restrictions, which further mitigate risks and contribute to lower costs for policyholders.

Specialized Repair and Restoration Coverage

Classic car insurance often includes specialized repair and restoration coverage. This means that in case of damage, your classic car can be entrusted to a repair shop with expertise in working on vintage vehicles. This specialized attention ensures that your beloved car is restored to its original, pristine condition, preserving its historical and investment value.

Schedule A Consultation Today

There are many differences between regular auto insurance and classic car insurance. If you’re looking for a new policy in the greater Dover, NH area, call Gateway Property & Casualty to obtain an estimate today. 

How to Choose Recreational Insurance Policies

Insurance is an essential tool to help protect your recreational vehicle investments. If you have any qualifying recreational vehicle, you want the assistance of insurance professionals to help you choose the right policy for your specific needs. You can trust the professionals at Gateway Property & Casualty to provide the residents of Dover, NH, with quality insurance products. 

Recreational Insurance Protection 

Knowing which type of policy to purchase is integral if you own a recreational vehicle. That’s why you should work with our knowledgeable insurance agents. We can provide insight into the policy options available and match you with coverage that protects against risk and loss. First, we take the time to understand your situation and determine which type of vehicle you want to protect. 

We then match you with possible insurance options while also educating you about the terms and conditions of the policy. Once you decide, we will collect and submit your details to help you acquire coverage immediately. We strive to provide you with before, during, and after the policy purchase. It’s part of our commitment to providing exceptional customer service that helps provide security with quality insurance products. 

Find Out More

If you would like to learn more about recreational insurance or any other great insurance products we offer to the residents of Dover, NH, don’t hesitate to get in touch with us. Feel free to call or stop by the Gateway Property & Casualty office to speak with one of our friendly agents. Get the peace of mind that only insurance can provide to those who own recreational vehicles. We look forward to working with you. 

Don’t Overlook Renters Insurance When Moving to Your New Apartment

If you’re a resident in Dover, NH or the surrounding area, you can count on Gateway Property & Casualty for all of your insurance needs. We’ll help you find the appropriate policy to protect your belongings while you’re living in a rental property. Don’t forget to put this important item on your moving to-do list!

Why Renter’s Insurance Is So Important

Many people mistakenly believe that renter’s insurance isn’t necessary because their belongings will be protected by their landlord’s policy. This, unfortunately, is not the case. While the owner’s property will cover the building you’re living in, the belongings in your unit won’t be. This means that you need to have a separate renter’s policy in your name to protect your personal possessions.

Your policy will provide you with the protection you need if a covered event should occur. Depending on the type of policy that you choose, you could have coverage for alternative housing if your unit is deemed uninhabitable due to a covered event. There are many different levels of protection available, making it possible for people with limited budgets to find a policy. Your local insurance agent can help you determine how much coverage you need and what type of protection is appropriate for your needs. Don’t make the mistake of going without renter’s insurance!

Call or stop by our office today!

The team here at Gateway Property & Casualty is proud to serve the insurance needs of the greater Dover, NH community. We’ll review the available renters’ policies that are currently available in our area to allow you to make an informed decision. Give us a call or stop by our office today to learn more about how we can help you with all of your insurance needs.

What Does Umbrella Insurance Cover?

The agents at Gateway Property & Casualty serving the Dover, NH area know and understand how important it is to you to keep your assets protected. One way you can achieve this is by obtaining an umbrella insurance policy.

What is Umbrella Insurance?

Umbrella insurance is a very important addition you can make to your existing insurance policies. It works as a safety net since it can protect you from unexpected and even devastating financial losses. Umbrella insurance basically provides extra coverage when it comes to things like personal liability, property damage, and even legal expenses.

Umbrella insurance will kick in when the limits of your primary insurance policies, such as homeowners, auto, or boat insurance, have already been used to their limits. This type of policy will help ensure that you are not left to deal with large financial burdens that can happen from unforeseen incidents.

What Does Umbrella Insurance Cover?

One of the primary areas covered by umbrella insurance is personal liability. This means that this type of policy will help protect you in the event that someone is injured on your property or if you are held responsible for causing bodily harm or property damage to others. The umbrella policy will cover the costs of medical bills, legal fees, and even potential damages awarded in a lawsuit.

Contact Us Today

The agents at Gateway Property & Casualty are dedicated professionals serving the Dover, NH area and are ready to assist you with all of your insurance needs, including umbrella insurance. Call today for an appointment to get your policy started and gain the peace of mind that comes with it.

How condo insurance differ from home insurance

Breaking into the housing market can be challenging. If you are lucky enough to find a condo that is affordable and meets your needs, you will need to get condo insurance to protect your investment. At Gateway Property & Casualty in the Dover, NH metroplex, we have been providing an exceptional level of customer service since 2017. As independent agents, we offer more choices and work with you to personalize your policies to better meet your needs. 

Condo association master policy

The major difference between condo coverage and home insurance coverage is the fact that the exterior and public areas are insured by the condo association master policy. As a condo owner, you are responsible for the interior of the unit. You don’t have to pay to protect your roof or porch, these are covered by the master policy. Where your coverage begins is important for you to know. It can be "All in" or "Walls in". The policy that you choose needs to cover where the master policy leaves off. 

Property coverage

Whether you are responsible from inside your walls or from the walls in, you need property insurance that will cover your built-ins like the kitchen cabinets, appliances, fixtures in the bathrooms, and lighting. 

Content

Content coverage is the same as home insurance. It covers your furniture, electronics, clothing, and personal items, whether they are in your condo or away from home with you. 

Liability

Your liability coverage protects you and your family members in your home or away. The master policy covers the liability for public areas like the parking lot, gym, or pool. 

Loss of use

This coverage is the same as home insurance. If your unit is damaged and you can’t live there, it will pay for a place for you to stay. 

We Are Here To Help

Contact Gateway Property & Casualty when you are ready to discuss your condo insurance needs in Dover, NH. 

Life Insurance for Newlyweds: Protecting Your Future

Starting a new life together as newlyweds in Dover, NH is an exciting time filled with joy, love, and adventure. While it may not be at the top of your to-do list, life insurance can provide valuable financial protection, opportunities, and peace of mind, allowing you to focus on building your lives together. At Gateway Property & Casualty, we understand the unique needs of newlyweds and can help you find the right life insurance policy to meet your needs.

Protecting Your Future

In addition to the death benefits that come with life insurance, there are other ways it can be beneficial for newlyweds. For example, life insurance can provide financial support in the event that one spouse becomes disabled or unable to work due to a serious illness or injury. In this scenario, the life insurance policy could provide ongoing income to help cover living expenses and medical bills.

Planning for Future Expenses

Life insurance can also help newlyweds achieve their long-term financial goals, such as saving for a down payment on a home or paying for their children’s education. A permanent life insurance policy, such as whole life or universal life insurance, can build cash value over time that can be borrowed against or withdrawn for these types of expenses.

Estate Planning

Life insurance can be a useful tool for estate planning. A life insurance policy can be used to provide liquidity for estate taxes or to provide an inheritance for children or other heirs.

Working with Gateway Property & Casualty

We understand the importance of securing your financial future as newlyweds in Dover, NH. We offer a variety of life insurance options to meet your needs, from term life insurance to permanent life insurance. Contact us today to learn more about our life insurance options and to receive a quote.

Do I need to carry auto insurance in New Hampshire?

Driving in New Hampshire is a pleasure. The gorgeous scent, the uncrowded roads, and the friendly residents. It’s all good. New Hampshire is one of a handful of states that does not require that you carry auto insurance. But, and it is a big but, you need to show that you are financially able to pay for any damage you may cause to people or property if you are responsible for an accident.

At Gateway Property & Casualty in Dover, NH we work hard for our customers to find the right auto insurance policy to meet their needs. 

Why Auto Insurance?

While you can opt to provide the information that is necessary to prove your financial ability to pay for any damage that you cause, most people opt to get the basic insurance that is necessary to protect other drivers from you. The minimum liability coverage that you are allowed to carry is 25/50/25. This is $25,000 for injuries to the first person injured, with a total of $50,000 for all the injuries in an accident. An additional $25,000 is to cover damage to the property. 

This is the basic amount of insurance that is required to cover the mandate of the government. However, if your car is leased or if it has an auto loan, you will be required to carry insurance that protects the vehicle that you have an interest in. You will need to carry collision and comprehensive coverage. These protect the vehicle from damage that results from a collision with another vehicle and from many other things including flooding, theft, and hail. 

Reach Out To Us

If you want to learn more about auto insurance in New Hampshire, give us a call at Gateway Property & Casualty in Dover, NH to discuss the options that we have to offer through our multitude of carriers. 

Partner Carriers

  • Allstate
  • American Modern
  • Bristol West
  • CRC
  • Farmers
  • Foremost
  • Hagerty
  • Hanover Insurance
  • K&K Insurance
  • Liberty Mutual
  • Main Street America
  • Merchants Insurance
  • National General
  • Nationwide
  • Orchid Insurance
  • Progressive
  • RPS
  • Safeco
  • The Hartford
  • Travelers