Hadlock Agency Inc
150 Old County Rd, Littleton, NH 03561
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150 Old County Rd, Littleton, NH 03561
View this agency's profile to learn more about their services.
260 Main Street, Littleton, NH 03561
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Littleton residents.
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Standard homeowners insurance covers wildfire damage, so you don't need a separate wildfire policy. However, if your property is near foothills open space or evacuation zones, insurers may require you to maintain defensible space and may charge higher premiums. Some carriers won't insure properties they consider high wildfire risk, so shop multiple insurers if you're near the foothills.
Average premiums in Littleton range from $1,800 to $3,500 annually, depending on your home's age, value, location, and coverage limits. Homes with older roofs, proximity to wildfire zones, or higher rebuild costs typically pay toward the upper end. Impact-resistant roofing, security systems, and bundling policies can significantly reduce your premium.
Yes, hail damage is covered under standard homeowners insurance, but you'll pay your wind/hail deductible, which is often higher than your regular deductible. Many Littleton policies have 1-2% wind/hail deductibles, meaning you could owe $5,000-10,000 out of pocket on a typical claim. Class 4 impact-resistant shingles can reduce both your deductible and premium.
If you're near the South Platte River tributaries, Littleton Reservoir, or drainage corridors, flood insurance is worth considering. Standard homeowners policies exclude flood damage entirely. Even if you're not in a mapped flood zone, heavy rain can cause flash flooding in low-lying areas. NFIP policies start around $400-700 annually for moderate coverage.
Filing a hail claim typically increases your premium at renewal, though the increase varies by carrier and your claims history. Expect a 10-30% increase that may last 3-5 years. However, if a major hailstorm affects your entire neighborhood, all area premiums will likely increase regardless of whether you filed a claim, making it worthwhile to shop carriers at renewal time.
Yes, frozen pipe damage is typically covered, but only if you took reasonable precautions to prevent it. That means maintaining heat in your home, insulating exposed pipes, and draining outdoor hoses in winter. If you leave your home unheated during a vacation and pipes freeze, your claim may be denied. Some policies require daily checks if the home is vacant during winter.
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