Important Details Regarding Condo Insurance Policies

AS Insurance Agency is an independent agency. We help Manchester, NH residents find the coverage they need to protect their assets. We offer flexible policies so that our clients are covered in any situation. Working with multiple carriers in the region allows us to adapt to the daily challenges that people face on a regular basis. Providing excellent customer service is a priority.

Important Details Regarding Condo Insurance Policies

If you are staying in a Manchester, NH condo, look over your policy carefully. Condo insurance generally any damage to your personal items. You are also covered if your possessions are vandalized or stolen. It’s recommended that you take inventory once you move into the condo. This can help the process run smoothly if something happens to your possessions. If you have any luxury items inside the condo, you’ll need to amend your policy in order to fully cover those items if something happens to them.

You aren’t responsible for the exterior of the unit; however, condo insurance will protect you if any interior damage happens to the unit.  The policy covers any damage to the walls or flooring. If you plan to make any upgrades to the unit, be sure to amend your policy similarly to your luxury possessions. Liability coverage is a significant part of your policy as well. Perhaps you plan to invite some friends and family over to your condo for a fun party. Liability coverage protects you if one of your guests gets injured at the party. You’re also covered if you accidentally damage your neighbor’s unit. Perhaps you’re having a plumbing issue that leaks over into your neighbor’s unit or an accidental fire spreads.

AS Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about condo insurance.

Motorcycle Insurance Coverage Options

If you have purchased a motorcycle and are enjoying the feeling of freedom it brings to you when you ride it, you will want to protect it and the best way to do that is through a motorcycle insurance policy. The agents at the AS Insurance Agency in Manchester, NH understand the importance of motorcycle insurance and the coverage options that are available.

Motorcycle Insurance Requirements

In the state of New Hampshire, at least a liability insurance policy is mandatory for all drivers, including motorcyclists. A liability insurance policy will cover any damages or injuries that you may cause in an accident but there are other options available also.

Underinsured or Uninsured Coverage

An underinsured or uninsured motorcycle insurance policy is important in case you were ever involved in a crash that is the fault of a driver that has no insurance or does not have enough coverage to pay for your medical bills and damages to your bike.

Comprehensive Motorcycle Insurance

If you owe money for your motorcycle because you borrowed it from a bank or other lender, you are more than likely required to have a comprehensive motorcycle insurance policy in place. It is important to have regardless if you owe on it or not since it will cover any damages to your bike if inactive vandalism occurs or fire or natural disaster. This type of coverage will also help pay to replace your bike if it is stolen.

Collision Motorcycle Insurance

Collision motorcycle insurance coverage will assist you in paying for any damages to your bike if you collide with another vehicle or with a stationary object. It will also help you pay for any damages to the object that you collide with.

Contact Us

The agents at the AS Insurance Agency in Manchester, NH are ready to assist you in creating the proper motorcycle insurance policy for you and your motorcycle. Call today for an appointment.

How Umbrella Insurance Works After a Car Accident in New Hampshire

When you drive on New Hampshire roads, you expose yourself to a number of potential liabilities every time. That is why the minimum requirements for New Hampshire auto insurance include liability coverages.

However, sometimes, the costs of a crash for which you are at fault can be higher than the liability limits on your auto insurance policy. At AS Insurance Agency, we help Manchester, NH residents have the insurance bundles they need so that they are covered when these life crises happen.

Umbrella insurance can help you in this situation. Learn more about how that works here.

What is Umbrella Insurance?

Umbrella insurance is a kind of insurance policy that functions like an umbrella for liabilities. You are covered with it when a serious problem happens for which you are being blamed. 

This is liability insurance with higher limits than traditional liability policies. You might see an umbrella insurance policy limit of one million. When you have a liability in life, you can typically claim it on your umbrella insurance policy.

How Does Umbrella Insurance Work With Car Accidents?

When you have been in a car accident for which you are at fault, your New Hampshire auto insurance policy will cover the liability damages. If the costs of your car crash are higher than the limits on your policy, you can make a claim on your umbrella insurance to cover the rest of the costs.

Car accidents are just one example of the many liabilities that umbrella insurance can cover. Having umbrella insurance will protect you from financial losses when life happens.

Get a Quote

Umbrella insurance is an affordable solution to these worries in life. At AS Insurance Agency, we can help Manchester, NH drivers get the coverage they need for every potential liability through umbrella insurance. Call us and get a quote today.

Does Flood Insurance Typically Covered Damage from a Mudslide?

Flood Insurance and Mudslides

Mud and landslides affect many people and cause billions of dollars in damage. While these disasters are not as common as floods, the devastation they cause to homes and property can be equally damaging. Some types of mudslides may be covered by standard flood insurance depending on factors. However, many instances of this event are not covered by typical flood insurance and additional policies may be needed for full coverage. Cases where the mud and river water mix and how the slide enters your home have an impact on coverage. Many incidents are considered "earth movement" and will not be covered.

The professional agents at AS Insurance Agency of Manchester, NH have years of experience helping individuals get the best quality flood insurance possible. We can help you understand the ins and outs of your policy so you can get the most from it.

Staying Protected During a Disaster

Special types of insurance, including landslide insurance, must be purchased to stay protected during a disaster. Other ways to protect your home include designing a landscape to help mitigate mudslides. Certain cases, such as being near a recent forest fire that loosens soil potentially causing a landslide, might be covered. It is important to understand different insurance coverage and how it affects your home and possessions during disasters. A skilled insurance agent will be able to help you understand the details of your policy.

Expert Insurance in Manchester

Give us a call at AS Insurance Agency of Manchester, NH to speak with one of our friendly agents. We will be happy to give you a quote for high-quality flood insurance or any of your other insurance needs. Contact us today to schedule an appointment.

What You Need to Know About Condo Insurance

Unlike the standard homeowners’ insurance that offers straightforward terms, getting a condo policy will require you to consider what your Master Policy covers in addition to your unit cover. This can cause difficulties for Manchester, NH residents, resulting in numerous policy seekers abandoning their condo coverage altogether. Below, AS Insurance Agency helps you break down what a condo policy is all about.

Your Condo Insurance Is Different From Your Master’s Policy

Your condominium’s Master Policy is designed to protect the exterior of your condo and not the interior. This means that it will cover areas such as the lobby, exterior walls, swimming pools, and amenities such as the gym. To protect items inside your unit, you will be required to get your condo policy. An individual condo cover will ensure that assets such as clothing and fixtures are protected when covered perils occur in your unit.

Condo Insurance Comes With Multiple Policies

Condo insurance is composed of various types of covers, with an example of this being liability coverage. This pays for legal expenses, medical bills, and property damage when someone is injured inside your condo or their property gets destroyed. Others such as content coverage will protect your personal belongings from risks such as theft and fires, while building property coverage protects interiors such as walls, cabinets, and fixtures from damage. With these differences in mind, make it a point to understand each coverage type to ensure you pick the suitable option for your needs.

Condo Insurance Has Its Exclusions

While condo policies cover significant damage to your condo, it also has its limits. Damages arising from flooding and mold damage will often not be covered along with intentional acts of harm to 3rd parties. Before signing up for your policy, the research covered perils in your condo insurance to help you stay informed of what to expect when emergencies arise.

If in need of condo insurance within Manchester, NH, call AS Insurance Agency today for customized policies.

How to Make Sure Your New Hampshire Health Insurance Has Your Prescription Drug Coverage

It is estimated that over two-thirds of Americans require prescription medication. The pharmaceutical industry is a multi-billion dollar industry. This is why it is important for every New Hampshire resident to make sure that prescription drug coverage is included in their New Hampshire health insurance plan.

At AS Insurance Agency, we want Manchester, NH residents to have the prescription drug coverage they need. When you are purchasing health insurance, it can be difficult to understand how to get the right coverage. Learn more about how to get the prescription drug coverage you need.

Health Insurance for Chronic Conditions

There are a number of chronic conditions that New Hampshire residents need prescription drug coverage for. You may not have those conditions now, but could at any time. Be proactive on this.

When you are looking for health insurance, look for the plans that cover chronic conditions such as diabetes, arthritis, back pain, and more. Rising costs on medications for these conditions and others could become a crisis in the family very easily. Review every health insurance formulary thoroughly before you make a decision.

How Prescription Drugs are Paid For 

When you are looking for health insurance, you want to know how much your prescription drug coverage will cost, and how much your prescriptions will cost. This is what the formulary is for.

Here you will find out what you will have to pay for when it comes to existing medication. You will then be able to plan your budget accordingly.

Questions you want to ask when purchasing health insurance involve pharmacies, and health plan approval. You need to know if you need approval from the plan before you get a prescription filled. You also want to know if you can use any pharmacy you want, and which ones you can use if you can’t.

Get a Quote

Getting the right New Hampshire health insurance doesn’t have to be a headache. At AS Insurance Agency, we can help Manchester, NH residents get the prescription drug coverage they need. Call us today for a quote.

Medical Exams and Life Insurance – What to Know

For many, getting a medical exam for a life insurance policy can be stressful and anxiety-inducing, but the exam doesn’t have to be scary. The professionals at AS Insurance Agency serving Manchester, NH can help you navigate this process with ease.

Underwriters require medical exams to determine the potential policy holders’ health. The healthier you are, the lower your premiums are likely to be. 

During a medical exam to get life insurance, you will be asked to undergo at least two components of the exam, a verbal interview/evaluation and a physical exam.  During the verbal evaluation, you’ll be asked a series of questions such as your medical history, your family medical history and details about your lifestyle.  

The underwriter will want to know if you smoke, drink alcohol, use any recreational drugs, take any prescribed or over-the-counter medications regularly or if you engage in any activities that might make you more likely to have a shorter life expectancy.  You’ll be asked if you have any underlying medical problems or pre-existing conditions such as diabetes, high blood pressure, high cholesterol or other chronic illnesses. You’ll also be asked to take a physical exam so that a physician can listen to your heartbeat and see for themselves if you have any noticeable ailments. You will also be asked to undergo bloodwork testing which will look for things like your cholesterol levels, blood sugar and bloodwork can also confirm that you are a non-smoker.

Before your exam, get plenty of rest, make sure you are hydrated and if you are a smoker, seriously consider quitting in order to make your odds of being insurable higher and your rates better!

Get in touch with AS Insurance Agency serving Manchester, NH to learn more about your life insurance options today.

4 Benefits of Workers’ Comp Insurance

If you are a business owner who leads a team of employees, it’s your mandate to guarantee their safety and security while in their working environments. While devising safety precautions in the workplace is pivotal in abating work-related injuries, the other way of assuring employee safety is by obtaining workers’ comp insurance coverage. But wait, what’s workers’ comp insurance, and why would you need it? Well, let’s find out.  

Workers’ comp insurance refers to insurance coverage meant to promote your employees’ safety and well-being at their places of work. It’s intended to save you from facing a lawsuit or incurring financial losses if anything happens to your employees at their workspaces. 

AS Insurance Agency in Manchester, NH recommends you to obtain workers’ comp insurance if you want to enjoy benefits such as:

Liability costs coverage

While executing their duties, workers can encounter accidents and sustain injuries. Since such an occurrence involves your business, it would be your responsibility to meet their treatment costs. 

Depending on the injuries sustained, the treatment costs can be high, but you won’t carry the burden when you have workers’ comp insurance. 

Protects your employees

If your employees suffer from work-related illness or injuries and require treatment, your workers’ comp insurance covers their medical costs. Besides, this coverage pays for your employees’ partial loss of income and funeral expenses.  

Upholding business reputation

With a worker’s comp insurance policy, people will view your business as a safe and secure environment to work in. Consequently, it will be easier to convince competent employees to join your business.

Protecting business finances

Once your business complies with employees’ comp insurance coverage, it will avoid incurring employees’ medical costs and non-compliance fines when mischance occurs. 

Buy workers’ comp insurance today!

Employee’s comp insurance policy benefits your workers and your business as well. Reach out to AS Insurance Agency in Manchester, NH, and get your employees well-being upheld. 

4 Important Benefits Of Renters Insurance

AS Insurance Agency provides coverage to the Manchester, NH community, as well as the surrounding areas. We strive to help our clients find the right policies based on their individual needs. Life often brings unexpected changes. We want to make sure that you are covered regardless of the situation.

Benefits of Renters Insurance

Renters insurance helps you protect the assets inside your Manchester, NH property. You are covered if something happens to your valuables. You are also covered if someone gets injured while visiting your property. Here is a closer look at the benefits of renters insurance.

Covers Your Personal Belongings Away From The Property

If you are going on vacation, you can have peace of mind that your personal items are covered if something happens to them.

Alternative Living Expenses

Accidents can happen at any time. Perhaps a fire or another type of natural disaster causes significant damage to your property. While your rental property is being repaired, you can rely on alternative living coverage to protect you. Alternative living coverage assists you as you find another place to stay until your property is repaired.

Liability Coverage Extends To Your Loved Ones

Liability coverage protects you if you cause damage to someone else’s property. You’re covered if an accidental fire starts in the kitchen while you are cooking, and it spreads. Perhaps your rental property has drainage issues that leak into your neighbor’s unit. You are covered in these scenarios. Liability coverage also protects you if your children or pets cause damage to someone else’s property.

Luxury Items Are Covered

If you have luxury items at your rental property, you can amend your policy to cover if they are vandalized or possibly stolen.

AS Insurance Agency Will Help You Protect Your Assets

Visit our website to learn more information about renters insurance.

Do all people in New Hampshire need to get umbrella insurance?

Those that are in Manchester, NH need to ensure they are properly covered by insurance. A form of insurance that all people in this state need to think about obtaining is umbrella coverage, which gives you additional personal liability protection. There are multiple reasons the typical person in New Hampshire will need to get an umbrella insurance plan.

Coverage Includes Additional Protection

An umbrella insurance plan is designed to offer liability protection not covered by your other insurance plans. When you have an auto or home insurance plan, there will be a provision for liability coverage. However, the coverage you receive is limited by the policy limits. With an umbrella plan, you will get coverage that is on top of your base insurance plan.

Coverage Covers Other Risks

Even if you have a home and auto plan with ample liability coverage, there is always a risk that you may be included in a claim that is not included under the policy. With an umbrella coverage policy, the liability protection you receive will be much broader. This should provide coverage for a larger range of risks that may not be included under the most specific insurance plans that you have. 

There are a lot of reasons why umbrella insurance is a great form of insurance protection to obtain. If you are looking for a new insurance coverage plan and are in the Manchester, NH area, calling AS Insurance Agency could be a great option. The team with AS Insurance Agency knows the value that comes with this type of coverage. When you speak with them, you can learn a lot about the value of this insurance and receive the support you need to build a new personal liability coverage plan.