Can a Motorcycle Insurance Policy Cover Multiple Motorcycles?

At AS Insurance Agency, serving the greater Manchester, NH community, we assist our clients with protecting their motorcycles. Whether you have one motorcycle or ten motorcycles, there’s almost always a way to make sure that all of your motorcycles have the protection they need for you to feel safe to drive them on the wide, open highway. For motorcycle enthusiasts, it can seem convenient and practical to place all your motorcycles on the same motorcycle insurance policy. Although you might see the benefits to this, it’s another thing to consider whether it’s even possible with how motorcycle insurance policies work. 

Even though most policies have terms and limits that are specific to them, we can speak on a broader note about how motorcycle insurance policies typically handle owning multiple motorcycles. Of course, for the best advice for your situation, we always recommend speaking with a qualified insurance agent at our office to get more specialized suggestions and information. We’re always happy to answer questions.

Can a Motorcycle Insurance Policy Cover Multiple Motorcycles?

If you have more than one motorcycle, it’s convenient and helpful to insure them all under one policy. Thankfully, multi-bike policies exist for this reason. Under a multi-bike policy, you can insure more than one motorcycle with terms and limits that are tailored to having multiple motorcycles. If you’re a motorcycle enthusiast, you shouldn’t let worries about insurance limit the number of bikes you have! At our office, we’ll be able to walk you through different policies so you have an idea of what might be ideal for your circumstances. 

Contact Us Today

If you want to insure one motorcycle, two motorcycles, or 10+ motorcycles, you should call AS Insurance Agency in Manchester, NH today for more information about our motorcycle insurance policies and more!

How Do I Know If Something is Considered To Be a Pre-Existing Condition?

One of the questions that we at AS Insurance Agency, serving the greater Manchester, NH region, are often asked in regard to medical insurance is how I know if something is considered to be a pre-existing condition. This is important to know, as some insurance companies will deny care for a pre-existing condition.

What Is Considered a Pre-Existing Condition?

Pre-existing conditions typically refer to health conditions that existed before the start of the insurance policy. The policy may define a specific look-back period, which is the duration during which the insurer will review your medical history to identify pre-existing conditions. Common look-back periods are typically around six months to a year.

What to Know About Look-Back Periods

Most health insurance companies have look-back periods of six to 12 months in regard to pre-existing conditions. This means that you usually need to go six- to 12 months without having been treated, taken medication for, or used medical devices for a medical condition in order for it to not be considered a pre-existing condition. 

What If I Am Unsure If Something Is a Pre-Existing Condition?

If you have specific health concerns or medical conditions, it’s advisable to consult directly with the insurance provider. They can provide guidance on how their policy defines and handles pre-existing conditions and offer clarity on any coverage limitations or waiting periods that may apply.

Give Us A Call

Selecting the right medical insurance policy for your needs can be challenging, especially if you have questions about the policy or terminology. If you are looking to purchase a new health insurance policy in the greater Manchester, NH area, let the insurance agents at AS Insurance Agency help you find your next policy.

The difference between whole life insurance and term life insurance

Whole life insurance and term life insurance are two of the main types of life insurance policies available to individuals at AS Insurance Agency here in the Manchester, NH area. Whole life insurance is a type of permanent policy that provides coverage and financial protection over your entire lifetime until you die or reach the age of 100. Term life insurance is a temporary policy, with coverage typically lasting for a set amount of time—usually 10, 20, or 30 years—before it expires. 

Whole life insurance has several advantages over term policies. For one thing, whole life policies accumulate cash value over time and can be used as an investment tool. This money can be borrowed in times of need and will also provide your beneficiaries with a death benefit upon your death. In addition, premiums remain fixed throughout the duration of the policy and cannot increase due to age or health status changes. 

On the other hand, term life insurance is often cheaper than whole life policies because it is considered less risky since it only lasts for a certain period of time. It’s generally best for people who want to ensure their family’s financial security in case they pass away early but don’t necessarily need long-term coverage. Another advantage is that if you outlive your policy, it won’t provide any benefits to your beneficiaries; however, you won’t have to pay any additional premiums either. 

Reach Out To Us

For more information, give us at AS Insurance Agency a call today. We are proud to serve the Manchester, NH area and would be happy to help you find a policy that meets both your needs and budget. You will sleep better knowing that your family is protected.

Will Renters Insurance Help if My Home’s Robbed?

As a renter, you know unexpected circumstances can happen anytime, anywhere. One of the worst scenarios we can think of is a home robbery. Losing valuables can be a traumatic experience, but having renters insurance from us at AS Insurance Agency in Manchester, NH can provide some relief.

Coverages of Renters Insurance

Our renters’ insurance policies cover different personal property damage, including theft and burglary. When these unfortunate events happen, acting fast and filing an insurance claim as soon as possible is essential. The insurance company will appraise the stolen items’ value and pay out the claim.

Limits and Deductibles

However, it’s essential to remember that renters insurance has limits and deductibles. Our policies come with payout limits for specific items, and we’ll review these coverage limits before you complete your insurance policy. And, like all insurance policies, renters insurance has a deductible that you must pay before the insurance company covers the rest of the claim.

How Much Coverage Do You Need?

When it comes to renters insurance in Manchester, NH, it’s crucial to consider the total value of all your belongings when deciding on the coverage you need. Depending on the value of your possessions and the coverage limit you want, you may need to purchase additional coverage or increase your coverage limit. Some factors you’ll need to consider include the size of your home, the number and types of items you own, and your lifestyle.

Reach Out To Us

At AS Insurance Agency, our team is here to help you determine the right amount of coverage for your specific needs and budget. We’ll work with you to craft a personalized policy that protects what matters most. Contact us today to get started and let us help you secure the peace of mind you deserve.

What Fresh Grads Should Know About Workers Comp Insurance

Embarking on your career is an exciting adventure, but you’ll have a lot of responsibility on your plate. Those responsibilities won’t end when you check out of work either. You’ll likely have bills to pay, such as rent, health insurance premiums, and more. New grads should check to see if their employer offers workers comp insurance, and they should also check for plans from insurance providers. Contact AS Insurance Agency, serving Manchester, NH and beyond, to learn more about workers comp policies.

Workers comp policies will often provide payments to make up for lost income if you are out of work. Of course, you should read every policy closely to see what is and is not covered.

The Benefits of Workers Comp for New Graduates

Unfortunately, many things could derail your career. This is as true for fresh graduates as it is for experienced hands. You might suffer a slip and fall at work that leaves you recovering in bed for weeks on end. You may need to undergo surgeries, which in turn typically have recovery times that keep you from work. Sadly, some people will contract serious diseases, like cancer, that will require ongoing treatment and that may keep them from working.

In these cases, workers’ comp may help families and individuals make up for lost income. It’s important to read every workers’ comp plan to see what is and is not covered. However, you can find plans that will provide coverage for income lost due to workplace injuries and serious natural diseases like cancer.

The workers’ compensation policies offered by employers typically focus on injuries and conditions contracted at work. Workers comp policies offered by third parties, meanwhile, can often be used to mitigate injuries and diseases contracted outside of work.

Which policies are right for you?

Contact AS Insurance Agency, serving the greater Manchester, NH region, to explore your options.


Umbrella Insurance 101: Understanding How It Works and What It Covers

Umbrella insurance can provide an extra layer of protection for your assets and income. It is designed to supplement your existing liability coverage, such as homeowner’s or auto insurance, providing additional limits over and above what those policies may offer. Here at AS Insurance Agency, we serve the Manchester, NH area with umbrella insurance solutions to ensure our clients have the protection they need.

How Does Umbrella Insurance Work?

Umbrella insurance policies provide an extra layer of financial security above and beyond what’s available in traditional liability coverage. It is designed for situations when a large claim occurs that exceeds the limits of your existing policy, such as auto or homeowners insurance. An umbrella policy can help cover legal fees, medical bills, and any settlements awarded by the courts. It can also provide coverage for incidents such as libel, slander, or false arrest.

Who Needs Umbrella Insurance?

When it comes to umbrella insurance, there is no one-size-fits-all solution. Everyone’s needs are different and should be discussed with an insurance professional.

Homeowners: Homeowners may need umbrella insurance if they live in an area prone to natural disasters or injuries, such as slips, falls, or flooding. If any of these incidents occur and a lawsuit is filed against the homeowner, their liability limits could be exceeded. In this case, an umbrella policy can provide extra coverage.

Business Owners: Business owners may need umbrella insurance if they face potential liabilities from their business activities, such as product recalls or faulty services. An umbrella policy can provide additional coverage for legal fees and other expenses that could arise from a lawsuit.

Renters or Landlords: Renters and landlords should consider an umbrella policy if they are exposed to liabilities such as property damage or a tenant injury. Even if a landlord’s standard policy provides sufficient coverage, an umbrella policy can provide additional protection for legal fees and settlements.

What Does Umbrella Insurance Cover?

Umbrella insurance provides coverage for three main types of liability: Bodily Injury Liability, Property Damage Liability, and Personal Liability.

Bodily Injury Liability provides coverage for medical expenses and other related costs if you are found legally responsible for an injury that another person suffered due to your negligence.

Property Damage Liability provides coverage for damage to another person’s property that was caused by your negligence.

Personal Liability covers non-bodily injury or property damages, such as libel and slander. It also provides additional limits over and above what traditional liability policies provide, protecting you from large claims and lawsuits.

Understanding how umbrella insurance works and what it covers can help you determine if this type of coverage is right for you or your business.

Reach Out To Us

If you are located in the Manchester NH area, contact us at AS Insurance Agency to learn more about our umbrella insurance solutions. We’ll provide a comprehensive review of your current policies and discuss the protection that umbrella insurance can provide.

Three common mistakes consumers make when they buy flood insurance

Flood insurance is important for protecting your home in Manchester, NH. At AS Insurance Agency, we’re here to answer all your questions about getting flood insurance for your property. 

The following are three common mistakes to avoid when they buy flood insurance.

Failing to purchase enough flood insurance coverage for the full cost of rebuilding your home

You’ll typically be offered either coverage for your home’s market value or coverage that offers you enough funds to completely rebuild your home.

It’s important to insure your home for the cost to rebuild since a home’s market value can fluctuate over time. You don’t want to be left without adequate funds to rebuild your home if it becomes destroyed in a severe flood. 

Only getting a quote from one flood insurance provider

It’s always important to get quotes from numerous flood insurance providers before choosing a policy. With multiple quotes, you can compare your options and then choose the best one. 

Purchasing a flood insurance policy without fully understanding what it covers

There are certain types of damages that just about all flood insurance policies provide coverage for. These include damage to your plumbing system, carpeting, foundation, HVAC equipment, and appliances.

However, there are other types of damage that your flood insurance will not cover. It’s important to know which damages are covered and which aren’t before you buy a policy.

Contact Us Today

Making the right choices when you buy flood insurance gives you peace of mind and protects your property. Get in touch with us at AS Insurance Agency if you need a quote on a policy. We are here to provide flood insurance to consumers living in the greater Manchester, NH region. 

What Does Condo Insurance Cover in New Hampshire?

Owning a condo can be a great housing option if you are in the Manchester, NH area. When you are looking to buy a condo, you need to get the right insurance for it too. A quality insurance plan in this area of New Hampshire offers various forms of coverage and support that can make it a great investment. 

Why Condo Insurance?


One of the forms of coverage that you will receive with a condo plan is protection for your dwelling. Your condo is a major asset that you will want to ensure is protected. If you have condo coverage, it will provide support if you incur losses due to a fire, vandalism, or other situation that requires repairs or replacement. 

Personal Assets

You also can receive coverage for any personal assets that you keep in the condo. Your personal assets can include furniture, kitchenware, electronics, and other items. Having coverage will ensure you have support to replace these assets if you incur a loss. If you have valuables, such as jewelry or expensive art, you can get additional riders to your policy. 

Liability Coverage

With a condo plan, you will also get liability insurance. If there is an accident in your condo, you could be held liable for damages. Fortunately, you are able to mitigate this risk if you invest in a condo insurance plan. This insurance will provide liability support, which is helpful in some difficult situations. 

Give Us A Call

If you are in the Manchester, NH area, it would be a good idea to get condo insurance. When you are looking for this coverage, you can call the team with the AS Insurance Agency. The AS Insurance Agency will evaluate your options and requirements to help you build an ideal policy that will give you the coverage you want. 

How to care for your motorcycle, and yourself

Motorcycles are amazing machines that can provide a great sense of freedom while riding. However, they also require some basic maintenance to keep them running properly. AS Insurance Agency, serving the Manchester, NH area bikers with their motorcycle insurance coverage, is here to help. 

Here are some tips on how to care for your motorcycle before and after every ride:

1. The first step is to clean your motorcycle before and after every ride. This will help keep it looking nice and running smoothly, while also reducing the risk of rust and other damage to the paint or components.

2. Besides regular cleaning, it’s important to check fluid levels and tire pressure before every ride. This will ensure that your bike is ready for any bumps or turns on the road, helping you stay safe as you ride.

3. When riding your motorcycle, it’s crucial to always wear a helmet for protection in case of an accident or emergency situation. In addition to protecting yourself from injury, wearing a helmet can also reduce the risk of being ticketed by law enforcement for not following safety regulations.

4. In order to stay safe when riding your motorcycle, it’s also important to wear appropriate clothing that provides protection from the weather and other hazards on the road. This might include things like leather jackets, thick gloves, or thick pants and boots.

5. Finally, it is essential to obey all traffic laws when riding your motorcycle to avoid accidents with other vehicles or pedestrians on the road. This includes following speed limits, using turn signals when making turns, and always stopping at stop signs and red lights.

Get Motorcycle Coverage Today

For more motorcycle safety tips, call AS Insurance Agency today. We proudly serve the Manchester, NH area.

Umbrella Insurance Provides an Extra Layer of Protection

Perhaps you have reached a point in your life where you feel somewhat secure financially. But what if there was a car accident for which you were at fault? Or if a guest visiting your home slipped and fell on the sidewalk? Let the agents at AS Insurance Agency, who serve the Manchester, NH area, explain how umbrella insurance can help.

Why Umbrella Insurance?

Personal umbrella insurance provides protection for you and your family when you have exceeded liability limits on your homeowner’s or automobile policies. An umbrella policy allows you the flexibility to choose a liability limit that will best protect your assets up to $5 million.

You have worked hard for the wealth you have accumulated for yourself and your family. You could reach the million-dollar mark by retirement age. But what about people who have lost everything in lawsuits and had to begin again?

Don’t worry. Protect yourself and your financial assets.

Purchase umbrella insurance. It provides coverage for large claims or lawsuits that are not covered by auto or homeowners insurance policies.

Your homeowners and auto insurance policies provide coverage for damage to your home and car. They also provide personal liability protection if someone is hurt on your property or if someone is injured in an accident that you caused. That coverage has limits, however. For example, if you are sued, the policies may cover up to $100,000 in damages. But if you have a higher net worth, those limits could disappear very quickly.

Get The Best Coverage For Your Needs

Umbrella insurance takes over where your other policies leave off. It is personal liability coverage that protects you and your family from lawsuits or large claims when the limits of your other policies have been exhausted.

Protect your financial future with umbrella insurance. Contact the AS Insurance Agency in Manchester, NH today for a free quote. You will be glad you did.