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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.

I’m Selling My Home. Do I Need To Cancel My Home Insurance?

A crucial aspect of protecting your house and your belongings is having home insurance. What happens, though, if you sell your house? Is it necessary to cancel your policy? At Gateway Property & Casualty, we’re proudly serving residents of Dover, NH and Augusta, ME with all potential home insurance needs.

Will Your Home Insurance Policy Transfer To Your New Home?

You may be wondering if your home insurance policy will follow you if you sell your current home and purchase a new one. The answer to this question will differ depending on your situation and the type of policy you have. It’s extremely unlikely that your standard homeowner’s insurance will be transferable to your new home. 

When Should You Cancel Your Home Insurance Policy?

You must cancel your home insurance policy if you sell your home and no longer live there. You should cancel your policy as soon as your home is sold. If you have a mortgage on your home, your lender will require you to keep coverage until the loan is completely paid off. You can cancel your policy once the loan is paid off.

Can I Get a Refund After Canceling?

If you cancel your home insurance policy before the end of the policy term, you may be eligible for a refund. The amount of your refund will be determined by the amount of premium you paid and the length of your policy term. If you paid your premium in full, you will most likely receive a pro-rated refund. If you cancel your policy in the middle of the term, you may not receive a refund. Having said that, most reputable companies, such as Gateway Property & Casualty, are always willing to work with clients to reach an agreement.

Make Sure To Get Insurance For Your New Home

When selling your home, you must cancel your home insurance policy. You should cancel your policy as soon as your home is sold. When you purchase a new home, make sure to get the right coverage for your needs. For all your home insurance questions in the Dover, NH and Augusta, ME area, contact Gateway Property & Casualty and let one of our highly trained agents answer your questions personally.

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