Frankos Agency
375 W. North Street, Suite A, Dover, DE 19904
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Dover households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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375 W. North Street, Suite A, Dover, DE 19904
View this agency's profile to learn more about their services.
4164 North Dupont Hwy, STE 3, Dover, DE 19901
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Learn about insurance coverage options specific to Dover residents.
Dover, NH insurance guide covering auto requirements, home insurance costs averaging $1,896/year, and local agents. NH doesn't require auto insurance.
Home InsuranceDover, NH homeowners pay $1,152/year on average for home insurance. Learn about winter weather coverage, flood risks, and mill loft insurance needs.
Car InsuranceDover, NH car insurance is optional but risky. Learn about 25/50/25 minimums, at-fault rules, Spaulding Turnpike risks, and why most Dover drivers choose coverage.
Technically, New Hampshire doesn't require auto insurance to register or drive a vehicle. However, you must prove financial responsibility if you cause an accident, meaning you need to pay for all damages out of pocket. Most Dover residents choose to carry insurance because one serious accident could cost hundreds of thousands of dollars, and the minimum coverage premiums are relatively affordable compared to that risk.
Dover homeowners typically pay around $1,896 annually for home insurance on a $600,000 home with a $500 deductible, which is about 4% lower than the New Hampshire state average. This translates to roughly $158 per month, significantly below national averages. Your actual rate depends on your home's age, construction type, location, and your claims history.
If you choose to buy auto insurance in New Hampshire, the minimum coverage is 25/50/25, meaning $25,000 per person for bodily injury liability, $50,000 total per accident for bodily injury, and $25,000 for property damage. You also need $1,000 in medical payments coverage and matching 25/50 uninsured/underinsured motorist coverage. Most agents recommend higher limits since these minimums can be exhausted quickly in a serious accident.
If you live near the Cocheco River or in lower-lying areas of Dover, flood insurance is worth considering since standard homeowners policies don't cover flood damage. Even if you're not in a designated high-risk flood zone, the increasing frequency of severe weather events makes this coverage valuable. You can purchase flood insurance through the National Flood Insurance Program or private insurers, and rates vary based on your property's flood risk.
Yes, bundling your home and auto insurance with the same company typically saves 15-25% on your premiums. Since most Dover households have both homes and vehicles to insure, bundling is one of the easiest ways to reduce your insurance costs while simplifying your coverage management. Ask local agents about multi-policy discounts when shopping for quotes.
Dover homeowners should ensure their policies cover damage from severe thunderstorms, lightning strikes, ice storms, strong winds, and fallen trees—all common in the Seacoast region. Your standard homeowners policy should cover these perils, but verify you have adequate dwelling coverage to rebuild at current construction costs. Consider adding flood insurance separately if you're near water, as standard policies exclude flood damage.
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