Hilb Group New England
102 Main St, Keene, NH 03431
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Keene households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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102 Main St, Keene, NH 03431
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91 Court St, Keene, NH 03431
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82 Court St, Keene, NH 03431
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51 Railroad St, Keene, NH 03431
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Learn about insurance coverage options specific to Keene residents.
Complete insurance guide for Keene, NH. Learn about unique auto rules, winter home risks, cheap renters coverage, and local agents serving Cheshire County.
Home InsuranceKeene homeowners pay $1,194/year on average. Learn how winter weather, historic homes, and flood risk affect your coverage needs and rates.
While New Hampshire doesn't mandate insurance, you're still legally responsible for covering $25,000 per person in injuries, $50,000 per accident, $25,000 in property damage, and more if you cause an accident. Unless you have substantial assets to cover these costs out-of-pocket, buying insurance is the practical choice. Most Keene residents choose coverage to protect themselves financially.
Keene's rates average $1,194 annually compared to the state average of around $1,002, likely due to factors like local claims history, winter weather severity in the Monadnock Region, and property values. However, rates vary dramatically between insurance companies—Amica Mutual charges just $593 in Keene—so shopping around is essential.
Keep your home heated to at least 55°F even when you're away, insulate exposed pipes in basements and crawl spaces, and let faucets drip during extreme cold. Insurance companies may deny frozen pipe claims if you didn't maintain adequate heat, so prevention is both cheaper and more reliable than filing a claim.
Absolutely. At just $14-17 per month, renters insurance is incredibly affordable and provides liability protection if someone gets injured in your apartment, coverage for your belongings, and additional living expenses if your place becomes uninhabitable. The liability protection alone is worth it—one slip-and-fall injury could cost thousands without coverage.
If you're near the Ashuelot River or in a FEMA-designated flood zone, yes. Standard homeowners policies exclude flood damage entirely, and New Hampshire has flood-prone areas. Check FEMA's flood maps for your property and consider purchasing separate flood insurance through the National Flood Insurance Program if you're at risk.
Bundling typically saves around $125 annually, and it simplifies your insurance management by consolidating policies with one company. Combined with other discounts like improving your credit score or installing protective devices, bundling is one of several strategies that can significantly reduce your total insurance costs.
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