Fred C Church, Inc.
29 Maplewood Avenue, Portsmouth, NH 03801
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Portsmouth households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
29 Maplewood Avenue, Portsmouth, NH 03801
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22 Deer St, Suite 400, Portsmouth, NH 03801
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601 Islington St, Unit 101, Portsmouth, NH 03801
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22 Deer Street, Suite 400, Portsmouth, NH 03801
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1 New Hampshire Ave, Ste 125, Portsmouth, NH 03801
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46 Maplewood Ave, Portsmouth, NH 03801
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Learn about insurance coverage options specific to Portsmouth residents.
Complete insurance guide for Portsmouth, NH covering auto, home, and flood coverage. Learn about coastal property risks and local agents on the Seacoast.
Home InsurancePortsmouth home insurance guide covering flood zones, historic homes, coastal risks, and nor'easter protection. Get the right coverage for your seacoast property.
Car InsurancePortsmouth drivers pay $1,300-$1,650/year for full coverage. Learn NH's unique 25/50/25 requirements, at-fault rules, and why minimum coverage may not be enough.
While New Hampshire doesn't mandate auto insurance, you still must prove you can pay for damages if you cause an accident. For most people, buying insurance is more practical and affordable than maintaining sufficient liquid assets to cover potential claims. Plus, if you finance your vehicle, your lender will require comprehensive and collision coverage regardless of state law.
Portsmouth's coastal location increases exposure to storm surges, flooding, and wind damage from Atlantic weather systems. Insurers price these elevated risks into premiums. Properties closest to the water face the highest rates, and many require separate flood insurance since standard homeowners policies exclude flood damage.
Yes, flood insurance is important for many Portsmouth properties regardless of proximity to the water. Storm surges can push water inland, and heavy rainfall can cause flooding in unexpected areas. Check your property's FEMA flood zone status, but consider purchasing coverage even if you're in a lower-risk zone. Climate patterns are changing, and previously low-risk areas are experiencing more frequent flooding.
Local agents understand Seacoast-specific risks like flood zones, coastal property challenges, and which carriers offer the best rates for Portsmouth properties. They can compare multiple carriers, identify discounts that online tools miss, and provide personalized service when you file a claim. Their market knowledge often results in better coverage at lower costs than automated online quotes.
Standard home policies typically include $100,000 to $300,000 in liability coverage, but consider your assets and income when choosing limits. With Portsmouth's median household income above $105,000, many residents benefit from higher limits or umbrella policies that add $1-2 million in additional liability protection for just $150-300 annually. Your coverage should protect what you've built.
Standard homeowners policies provide only minimal coverage for small boats, typically under 26 feet with low horsepower limits. If you own a boat in Portsmouth—whether for the Piscataqua River or coastal waters—you need dedicated watercraft insurance that covers physical damage, liability, and marine-specific risks like salvage and pollution cleanup.
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