Property Insurance
Home Insurance
Your home is the center of your daily life and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. Summit Brokerage can help you find the home insurance that will meet your needs and provide the most valuable combination of tailored coverage, quality service, and fair pricing.
You’ll find great homeowner’s insurance options in Portsmouth by finding Summit Brokerage!
Homeowner’s Insurance for All Kinds of Homes
Depending on where you live—a house, apartment, or condominium—the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today to discuss what homeowner’s insurance policy is right for you!
What you need to know about homeowners insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
A homeowner’s insurance policy differs by which losses are covered, which coverages you choose, and what type of residence you own. You decide which policy is for you, whether it’s a comprehensive policy that covers losses such as fire, hail, smoke, falling objects, vandalism, and theft of personal property, or whether it’s a policy that covers only specified losses.
Summit Brokerage is here to help you find the right insurance for your home
Whether you’re a home or condo owner, a renter, or a landlord, Summit Brokerage will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to select the insurance coverage that gives you value and price.
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on.
- What you select. Oftentimes, homeowners' insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- How much do you want to cover? Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where are you setting your limits? You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value.
The amount you pay for your homeowners' insurance depends on many factors. Think of your personal housing situation and the assets you want to protect.
Protection for Your Home
Property or dwelling coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal liability coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world. When selecting your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases, covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics, and other items that mean a lot to you. Personal property insurance helps replace these items if they are lost, stolen, or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques, or collectibles, you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit the Landlord Protection Insurance page for more information.
Condo Insurance
Condominium insurance in Portsmouth is unique. Your condo insurance policy covers your personal property and liability, as well as any additions, alterations, and improvements you make to your unit that are your responsibility based on the condo association agreement. Protect your investment with condo insurance in Portsmouth from Summit Brokerage!
Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Summit Brokerage help you find the right amount of coverage to suit your insurance needs. Call us today at (603) 427-8969.
What you need to know about condo insurance
Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry Full Value Personal Property, which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.
If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the association policy covers and what you are responsible for. If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.
Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. Summit Brokerage can help you determine your coverage needs to make sure you’re properly covered. Call us at (603) 427-8969.
Protect yourself and your non-resident guests
Your condo insurance policy in New Hampshire protects you and your family members against bodily injury and property damage liability claims and any litigation that may result, subject to the limits you select. In addition, you can select medical payments coverage, which will pay for medical expenses incurred by a visitor who is injured at your residence, regardless of fault. Various limits are available.
Inexpensive extra coverage for your condo insurance
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special, valuable items such as jewelry, art, antiques, or collectibles, ask about our Valuable Articles option, which provides broader coverage and no deductible in the event of a covered loss.
Find unique insurance that is right for your condo.
Contact Summit Brokerage to identify the right combination of coverage, value, and price for you. We can help make sure your condo insurance continually meets your needs. Call us at (603) 427-8969.
Manufactured Home Insurance in New Hampshire
Houses and condos are not the only housing structures that have unique insurance needs. Owners of manufactured homes face insurance claims unique to them. A traditional homeowner’s insurance policy may not fully cover the potential damages manufactured homeowners face; that is why we recommend a manufactured home insurance policy for anyone owning a manufactured home.
Manufactured home insurance not only covers your manufactured home and your personal property; the policy can also cover detached structures like garages or sheds and attached structures like porches. A manufactured home insurance policy, like a homeowner’s insurance policy, may also offer liability coverage should someone be injured in your home or on your property.
A manufactured home insurance policy can include:
- Comprehensive: Protecting against covered losses such as fire, wind, theft, or other covered events.
- Replacement costs or Agreed Loss Coverage: Replacing your home, less any deductibles.
- Reimbursements for accommodations resulting from a covered event while your home is being repaired.
There are many additional coverage options that can be added to a manufactured home insurance policy:
- If your manufactured home is moved from one location to another, trip coverage ensures that your home is covered during transit
- Flood insurance
- Earthquake insurance
- Water, sewer, and backup coverage for events not covered by traditional flood insurance
- And more!
Call the agents at Summit Brokerage to get a quote for manufactured home insurance today! Our experts can assist with creating a policy that fits your needs and budget. Ask your agent about discounts like New Manufactured Home, Multi-Policy, and Safety Devices discounts. There are many options for manufactured home insurance out there, and the knowledgeable staff at Summit Brokerage will help you find the best option for you!
Renters Insurance
You have a lot of things that are important to you—from your clothes and furniture to your sound system, sports gear, and computer. And you want to feel confident that everything you’ve worked for is not at risk. Let Summit Brokerage help you find coverage options that protect you, your family, and your personal property with a renter’s insurance policy in Portsmouth. Call us at (603) 427-8969 and let us help to make sure you’re properly covered.
What you need to know about renters insurance
Your renters' insurance policy covers your personal property against theft or damage, subject to the limits and deductibles you select. The renter’s insurance coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect yourself and your guests
Your renters' insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result, subject to the limits you select. In addition, you can select medical payments coverage, which will pay for medical expenses incurred by a visitor who is injured at your residence, regardless of fault. Various limits are available for renters' insurance. Let Summit Brokerage help you find the right amount of coverage to suit your insurance needs. Call us today at (603) 427-8969.
Get the right amount of insurance coverage at the right price
Whether you’re starting out, between homes, or downsizing, Summit Brokerage will help you pick the renters' insurance coverage that best fits your needs. Give us a call today at (603) 427-8969 and get covered. Be sure to ask about available discounts, including burglar alarm credits and the account credit for customers who package auto and/or umbrella policies with their renters insurance policy.
Inexpensive extra coverage for renters' insurance
If you have special, valuable items such as jewelry, art, antiques, or collectibles, ask about our Valuable Articles option, which provides broader coverage and no deductible in the event of a covered loss.
Landlord Protection Insurance
As a landlord, you want insurance that’s tailored specifically to protect your rental properties.
A landlord protection policy gives you choices when purchasing the insurance coverage you require.
What You Need to Know About Landlord Protection Insurance
Rental property is a great investment, especially if you protect your assets with excellent coverage. Make sure that you and your property are covered when choosing a landlord protection insurance policy.
Protect Yourself
Landlord insurance options protect you and your spouse or domestic partner against personal injury, wrongful eviction, or wrongful entry, as well as other non-bodily injury claims such as libel and slander.
Extra Coverage Doesn’t Have to Cost a Lot
Many landlords supplement their coverage with personal umbrella liability insurance for broader protection. Talk to us today about the amount of coverage that’s right for you.
To find out more about this product and other products and services, contact Summit Brokerage today.
Flood Insurance Protection
Since standard homeowners insurance doesn't cover flooding, it's important to have protection from the floods associated with hurricanes, tropical storms, heavy rains, and other conditions that impact the U.S. Protect yourself with a flood insurance policy from Summit Brokerage.
Flood insurance protects two types of insurable property: building and contents. The first covers your building, the latter covers your possessions; neither covers the land they occupy.
Building coverage includes:
- The insured building and its foundation
- The electrical and plumbing system
- Central air conditioning equipment, furnaces, and water heaters
- Refrigerators, cooking stoves, and built-in appliances such as dishwashers
- Permanently installed carpeting over unfinished flooring
Contents coverage includes:
- Clothing, furniture, and electronic equipment
- Curtains
- Portable and window air conditioners
- Portable microwaves and dishwashers
- Carpeting that is not already included in property coverage
- Clothing washers and dryers
The two most common reimbursement methods for flood claims are Replacement Cost Value (RCV) and Actual Cash Value (ACV). The RCV is the cost to replace damaged property. It is reimbursable to owners of single-family, primary residences insured to within 80% of the building's replacement cost.
All other buildings and personal property (i.e., contents) are valued at ACV. The ACV is the RCV at the time of loss minus physical depreciation. Personal property is always valued using the ACV.
Talk with Summit Brokerage today at (603) 427-8969 to identify the right combination of coverage, value, and price just for you.
Personal Umbrella Insurance
Personal Umbrella Insurance New Hampshire
Protect your assets with personal umbrella insurance from Summit Brokerage in Portsmouth, NH. To really feel secure about protecting your assets and your future, you may need the extra level of protection provided by a personal umbrella liability insurance policy.
What's Peace of Mind Worth to You?
An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. The cost is minimal compared to the comfort of knowing you're covered.
Do You Have Enough Liability Insurance?
Imagine what would happen if your dog were to bite a neighbor's child or if there was an accident on your rental property. What would happen if a fire in your condo spread to other units? If any of these things happened to you, there's a good chance your current liability limits wouldn't be adequate to protect your assets or your future earnings.
Liability insurance starts when the others stop.
Once the liability limits are exhausted on your home, auto, or other policy, your umbrella policy takes over and provides a second layer of protection of at least $1,000,000. Higher limits may also be available. Talk with Summit Brokerage to determine the right amount of coverage for your needs.
Broad Coverages:
An umbrella insurance policy also pays some claims not covered by your home, auto, or other underlying insurance. The policy covers not just you, but your spouse and all family members living in your household, anywhere in the world. Legal defense fees are also paid.
The right coverage for you is unique—talk to Summit Brokerage today to find out how to protect yourself, your family, and your future with the right personal umbrella insurance for you. Just call (603) 427-8969 to speak with one of our agents and determine the right coverage for you.
Contact Summit Brokerage
10 Vaughan Mall, Ste. 203A
Portsmouth, NH 03801
 (603) 427-8969
 (603) 427-8635
 Send Email Request
Mon - Fri: 9:00 AM – 5:00 PM
Also By Appointment
Mailing Address
P.O. Box 133
Haddam, CT 06438
