HPM Insurance
67 Water St, Ste 201, Laconia, NH 03246
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67 Water St, Ste 201, Laconia, NH 03246
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426 Main St, Laconia, NH 03246
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174 Court St, Laconia, NH 03246
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Learn about insurance coverage options specific to Laconia residents.
While New Hampshire doesn't mandate auto insurance, you're still financially responsible for any damage you cause in an accident. If you can't pay, the state suspends your license and registration until you settle the debt. Most drivers carry insurance to protect themselves from potentially devastating financial liability, especially since medical bills and property damage from a serious accident can easily reach six figures.
No, standard homeowners insurance does not cover flood damage. You need a separate flood insurance policy to protect against water damage from flooding. Given Laconia's position between Lake Winnipesaukee and Winnisquam Lake, flood risk is real—especially during spring thaws and heavy storms. Flood insurance averages around $700 annually in Laconia but varies based on your property's flood zone, elevation, and coverage amount.
Motorcycle insurance isn't legally required in New Hampshire, but you should absolutely carry it—especially liability coverage to protect yourself if you cause an accident. Some Bike Week events, like stunt competitions, actually require proof of insurance during registration. Make sure your policy is current and bring proof of coverage with you to the rally.
With the median home value in Laconia at $427,529, you need enough dwelling coverage to completely rebuild your home at today's construction costs, including meeting current building codes. Experts recommend replacement cost coverage without a cap, which protects you if reconstruction costs exceed your policy limit. Review your coverage annually since construction costs and building codes change over time.
Yes, private flood insurance carriers now offer competitive options, and mortgage companies are required to accept private flood insurance. Private carriers may offer lower rates or enhanced coverage for qualifying properties compared to the National Flood Insurance Program. It's worth getting quotes from both NFIP and private insurers to compare coverage and pricing.
Most likely, yes. Standard homeowners policies often exclude or limit coverage for short-term rentals. If you rent your property during Bike Week, summer lake season, or ski season, talk to your agent about a landlord policy or rental property endorsement. Your liability exposure increases when hosting paying guests, and you need proper coverage if someone is injured on your property.
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