Island home insurance

The Real BigGuy · 02-08-2024, 01:40 PM

I have a house on Little Bear that is insured by Liberty Mutual. I had a tree demolish my deck last spring and the whole process of dealing with LM was a pleasure from the initial contact, thru initial adjuster review, to change orders, to final payment. I was expecting a sh__ show but it was incredibly easy & unexpectedly stress free (from an insurance point of view.)

Sent from my iPhone using Winnipesaukee Forum mobile app

CowTimes · 02-11-2024, 10:31 PM

Island insurance has been getting more difficult every year. We are on our third or fourth insurer over the last 10 years. State Farm seems to be the recent “go to” with decent rates after a couple of the other island insurers dropped island properties. Even the agencies that are accustomed to island properties are having hard times finding coverage.

ishoot308 · 02-12-2024, 11:32 AM

We have State Farm for our island home. However we also have our mainland home, our vehicles and umbrella policies with them. I am not positive but do believe you will have a hard time just getting island home insurance without having your other policies with them as well…

Good luck!

Dan

codeman671 · 02-12-2024, 12:19 PM

Who is everyone using in the area for State Farm? I wonder if I should shop mine.

ishoot308 · 02-12-2024, 12:30 PM

Quote:

Originally Posted by codeman671

Who is everyone using in the area for State Farm? I wonder if I should shop mine.

We use Rene Leclerc out of Hooksett. Been with them for years and very pleased with their service….

Dan

CowTimes · 02-12-2024, 02:12 PM

Quote:

Originally Posted by codeman671

Who is everyone using in the area for State Farm? I wonder if I should shop mine.

We used Shannon Greenwood out of Tilton. https://shannon-greenwood.com/

Our island property is the only thing we have through State Farm, so no bundling seems to be required.

Descant · 02-12-2024, 03:52 PM

If your boat is at the dock or on the trailer, and somebody steals your tool box, is it covered under your home insurance? Boat? Camp? "Who ya gonna call?" Extending liability coverage for a second location or a small boat from your primary home policy is relatively cheap, better than having separate policies. At least, one agent should know all the risks and set up coverage accordingly even if you buy from others. I sold for a direct writer for 25 years and covered second homes in MA, FL, ME, AZ, etc. and cars for college students all over the place since they were still part of the household. I know laws have changed since I retired years ago, but the principle of coordinating coverage is the same. And some companies don't want or are not underwriting certain risks like your 75 mph GFBL or a permanently sited mobile home.

02-12-2024, 11:32 AM	#3
ishoot308 Senior Member Join Date: Feb 2008 Location: Gilford, NH / Welch Island Posts: 6,367 Thanks: 2,422 Thanked 5,349 Times in 2,093 Posts	State Farm We have State Farm for our island home. However we also have our mainland home, our vehicles and umbrella policies with them. I am not positive but do believe you will have a hard time just getting island home insurance without having your other policies with them as well… Good luck! Dan __________________ It's Always Sunny On Welch Island!!

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02-08-2024, 01:40 PM	#1
The Real BigGuy Senior Member Join Date: Apr 2004 Posts: 1,310 Thanks: 125 Thanked 473 Times in 288 Posts	I have a house on Little Bear that is insured by Liberty Mutual. I had a tree demolish my deck last spring and the whole process of dealing with LM was a pleasure from the initial contact, thru initial adjuster review, to change orders, to final payment. I was expecting a sh__ show but it was incredibly easy & unexpectedly stress free (from an insurance point of view.) Sent from my iPhone using Winnipesaukee Forum mobile app

02-11-2024, 10:31 PM	#2
CowTimes Senior Member Join Date: Jan 2019 Posts: 140 Thanks: 9 Thanked 124 Times in 66 Posts	Island insurance has been getting more difficult every year. We are on our third or fourth insurer over the last 10 years. State Farm seems to be the recent “go to” with decent rates after a couple of the other island insurers dropped island properties. Even the agencies that are accustomed to island properties are having hard times finding coverage.

02-12-2024, 12:19 PM	#4
codeman671 Senior Member Join Date: Jan 2005 Posts: 3,551 Thanks: 222 Thanked 834 Times in 504 Posts	Who is everyone using in the area for State Farm? I wonder if I should shop mine.

The Following User Says Thank You to CowTimes For This Useful Post:
ishoot308 (02-12-2024)

02-12-2024, 03:52 PM	#7
Descant Senior Member Join Date: Mar 2006 Location: Merrimack and Welch Island Posts: 4,476 Thanks: 1,387 Thanked 1,667 Times in 1,086 Posts	If your boat is at the dock or on the trailer, and somebody steals your tool box, is it covered under your home insurance? Boat? Camp? "Who ya gonna call?" Extending liability coverage for a second location or a small boat from your primary home policy is relatively cheap, better than having separate policies. At least, one agent should know all the risks and set up coverage accordingly even if you buy from others. I sold for a direct writer for 25 years and covered second homes in MA, FL, ME, AZ, etc. and cars for college students all over the place since they were still part of the household. I know laws have changed since I retired years ago, but the principle of coordinating coverage is the same. And some companies don't want or are not underwriting certain risks like your 75 mph GFBL or a permanently sited mobile home.