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2024

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Best Homeowners Insurance Agencies in Manchester, NH

Our Recommended Top 9

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Manchester Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

70Reviewed

45Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

166 Concord Street, Manchester, NH 03104

Expertise.com Rating

Review Sources

Google
4.9 (38)
Facebook
5.0 (12)

Why choose this provider?

Wieczorek Insurance has been addressing the diverse insurance needs of Manchester residents since 1964. This company partners with different insurers to help homeowners obtain adequate insurance coverage and protect their financial security. Its insurance agents walk clients through coverage options and aid in determining appropriate types, including losses from fire damage, personal injury lawsuits, and structural repairs. They also handle all-risk or named-perils home insurance policies, depending on assessed risks. Wieczorek Insurance also offers auto and renters' insurance products.

  • Multiple Policy Types

1889 Elm St, Manchester, NH 03104

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
4.7 (13)

Why choose this provider?

Based in Maine, Foy Insurance is an insurance firm catering to Manchester residents looking to secure their homes and properties. It provides exhaustive and fully-customized homeowners' insurance coverage inclusive of items like swimming pool or trampoline liability, wind and flood damage, equipment breakdown, replacement cost for personal property, in-home business, and sewer and septic tank backups. The firm offers various types of personal and business insurance products, from bonds to farm and ranch insurance. Special programs, such as sports insurance and Amerikids gymnastics, are also available.

  • Renter's Insurance
  • Multiple Policy Types

1 Sundial Ave, Manchester, NH 03103

Expertise.com Rating

Review Sources

Facebook
4.6 (28)
Google
3.0 (4)

Why choose this provider?

Based in Maine, Clark Insurance is an insurance agency providing insurance products and solutions to locals of Manchester. It offers a variety of property insurance coverages, including comprehensive homeowners' insurance policies customized according to the specific needs and requirements of each client and property. It also carries a broad selection of insurance products and coverages, from Medicare and personal umbrella to cyber insurance and employee benefits. Clark Insurance provides 24-hour customer service and is licensed in all 50 states.

  • Flood
  • Multiple Policy Types

748 Mast Road, Manchester, NH 03102

Expertise.com Rating

Review Sources

Google
4.9 (9)
Facebook
4.9 (1)

Why choose this provider?

Located in Manchester, Lapointe Insurance Agency, Inc., has been serving the local community and the whole of New Hampshire since 1960. Aware of the different needs of their clients, the independent insurance agency offers homeowners' insurance that is customized to suit their situation. Its team of insurance agents provides personalized service in putting together their clients' insurance proposals. Lapointe Insurance Agency also offers auto and business insurance policies. It represents a number of insurance companies, such as Farmers Insurance, Foremost Insurance, Progressive Insurance, and Union Mutual Insurance.

  • Multiple Policy Types

48 Brook Street, Manchester, NH 03104

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (3)

Why choose this provider?

AS Insurance Agency helps Manchester homeowners safeguard their families, assets, and properties from damage. This locally-owned and locally-operated homeowners' insurance agency offers policies that cover different kinds of damaging weather phenomena and accidents that may render a home uninhabitable. These include fires, storms, and burglaries. The agency assists clients with full-sized residential properties or mobile homes parked on rented land. AS Insurance Agency can also assist clients who speak Nepali and Hindi.

  • Renter's Insurance
  • Flood
  • Condos

530 Chestnut Street, Manchester, NH 03101

Expertise.com Rating

Review Sources

Google
4.7 (3)
Facebook
5.0 (2)

Why choose this provider?

New England Risk Management, Inc., insures homeowners and their families in and around Manchester. This homeowners' insurance company protects clients and their homes from damages caused by fires and natural disasters like thunderstorms, snowstorms, strong winds, and occasionally, lightning. It has coverages that include the contents of the property, ranging from furniture up to electric appliances. The insurance agency also offers liability policies that cover the expenses when a family pet accidentally harms another person. New England Risk Management, Inc., has been in the business since 1988.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

242 State Street, Portsmouth, NH 03801

Expertise.com Rating

Review Sources

Facebook
4.4 (9)
Yelp
5.0 (4)
Google
5.0 (1)

Why choose this provider?

Kane Insurance, established in 1995, is an independent insurance agency in Manchester helping individuals and families protect their homes and assets. Its agents can shop for comprehensive policies that suit each homeowner's preferences and current financial situation. They compare rates from reputable insurance carriers such as CNA Insurance, MetLife Insurance, and Safeco Insurance. Kane Insurance also offers renters' insurance for tenants who want to upgrade the coverage of property insurance provided by landlords.

  • Multiple Policy Types

1461 Hooksett Road, Hooksett, NH 03106

Expertise.com Rating

Why choose this provider?

Jamie Reynolds - State Farm Insurance Agent is a licensed insurance broker in Manchester with over a decade of industry experience. The agency helps relocating and current homeowners compare policy rates and find coverage based on home size and value, and it offers online options for filing claims and making payments. Homeowners policy offerings include coverage for structural damages caused by fires and severe weather, losses due to break-ins or vandalism, and personal liability in the event of injuries taking place on insured properties.

  • Multiple Policy Types

911 Candia Road, Manchester, NH 03109

Expertise.com Rating

Review Sources

Google
4.9 (49)
Facebook
5.0 (20)

Why choose this provider?

Fortified Insurance Agency is a Manchester-based company that provides assistance in various areas including homeowners' insurance. It provides homeowners with multiple insurance quotations from different carriers. The agents offer home insurance policies that cover properties and personal possessions damaged due to a fire or a disaster. They also offer all-risk policies that cover all perils except those that are specifically excluded. Aside from home insurance, Fortified Insurance Agency assists clients with condominium insurance, renters' insurance, and flood insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Wieczorek Insurance
166 Concord Street, Manchester, NH 03104
Foy Insurance
1889 Elm St, Manchester, NH 03104
Clark Insurance
1 Sundial Ave, Manchester, NH 03103
Lapointe Insurance Agency Inc
748 Mast Road, Manchester, NH 03102
AS Insurance Agency
48 Brook Street, Manchester, NH 03104
New England Risk Management, Inc.
530 Chestnut Street, Manchester, NH 03101
Kane Insurance
242 State Street, Portsmouth, NH 03801
Jamie Reynolds - State Farm Insurance Agent
1461 Hooksett Road, Hooksett, NH 03106
Fortified Insurance Agency
911 Candia Road, Manchester, NH 03109

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • When might Manchester residents need more than a basic homeowners' policy?

    As careers progress and incomes rise, extra coverage would be vital if Manchester homeowners possess substantial assets, have custom-built homes or houses valued for rebuilding between $500,000 and $3 million, and face unique risks. Keeping insurance that is beyond a basic homeowners' policy is crucial to avoid costly gaps and excessive expenses during claims.

  • What's causing the rise in home insurance expenses in Manchester?

    The escalation of home insurance costs in Manchester is partly caused by the notable surge in building material prices, such as asphalt shingles, concrete blocks, and drywall. Furthermore, a shortage of more than 300,000 skilled laborers in the local home-building sector is driving up construction-related labor charges, as well as the added challenge of historically low housing inventory.

  • Does homeowner's insurance in Manchester cover damage caused by wind-toppled trees and resulting power outages?

    Most homeowner's insurance policies in Manchester offer coverage for damage caused by wind-toppled trees, but the power interruptions that follow are typically not part of the coverage. Given the intricate nature of homeowner's insurance terms, it's advisable to seek guidance from a skilled insurance agent. This ensures both a clear understanding and thorough protection for homeowners.

  • Is flood damage covered under standard homeowner’s insurance in Manchester?

    Standard homeowner’s insurance in Manchester doesn't include flood damage coverage. Property owners need to procure separate flood insurance. They can explore the National Flood Insurance Program or private market offerings. The New Hampshire Department of Insurance also advises residents to consider this due to the growing unpredictability of flood risks.

  • Do Manchester motor homeowners need insurance even if they don't own the land?

    Motor homeowners in Manchester are advised to obtain homeowners' insurance. Lack of land ownership doesn't negate this requirement. The necessity isn't dictated by the residence size but by the need to secure personal assets. Insurance grants assurance, shielding one's investments and offering tranquility in unforeseen circumstances.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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