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New Hampshire Home & Condo Insurance

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The Morin Agency Advantage

We are a family owned and operated Independent Insurance agency, located in Alton, NH. We understand the unique needs and concerns of NH residents and we are committed to offering the best product at the best price - delivering the best value to you - the customers who are our friends, neighbors and people we just might see at any time in our small community. This is what has made us successful in establishing long lasting customer relationships from the seacoast in Portsmouth over to Keene all the way up to the Great North Woods of Pittsburg, NH and we look forward to working with you! Learn more about our professional and friendly staff.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

 

Why do you need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That's important because chances are your home is likely one of your largest investments.
  • If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
  • If a guest in your home is injured, liability protection and medical coverage help pay expenses.
  • If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
  • If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what's included and what is not.

Contact Us

Morin Insurance Agency
28 Homestead Place
Alton, NH 03809
Location Map & Driving Directions
Monday - Friday 8:30am - 5:00pm

Phone: (603) 875-1200
Toll Free: (866) 538-2544
Fax: (603) 875-1201
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