Island home insurance

Kena1221 · 02-07-2024, 09:34 AM

Who do people use to insure their island home. I have a house on cow island.

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codeman671 · 02-07-2024, 10:17 AM

Quote:

Originally Posted by Kena1221

Who do people use to insure their island home. I have a house on cow island.

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Lots of threads on here was well as the islander facebook groups.

We use Hanover Insurance for ours, Portsmouth Atlantic is our broker. It works as a package deal with your primary home, they want the full portfolio not just the island.

Openly is offering island insurance, try Portsmouth Atlantic or Morin in Alton. Others use Lloyds of London.

Allstate recently dumped a lot of their island policies leaving many to scramble for coverage.

Bernie Girl · 02-07-2024, 10:59 AM

We use State Farm for our Barndoor Island house.

The Real BigGuy · 02-08-2024, 12:40 PM

I have a house on Little Bear that is insured by Liberty Mutual. I had a tree demolish my deck last spring and the whole process of dealing with LM was a pleasure from the initial contact, thru initial adjuster review, to change orders, to final payment. I was expecting a sh__ show but it was incredibly easy & unexpectedly stress free (from an insurance point of view.)

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CowTimes · 02-11-2024, 09:31 PM

Island insurance has been getting more difficult every year. We are on our third or fourth insurer over the last 10 years. State Farm seems to be the recent “go to” with decent rates after a couple of the other island insurers dropped island properties. Even the agencies that are accustomed to island properties are having hard times finding coverage.

ishoot308 · 02-12-2024, 10:32 AM

We have State Farm for our island home. However we also have our mainland home, our vehicles and umbrella policies with them. I am not positive but do believe you will have a hard time just getting island home insurance without having your other policies with them as well…

Good luck!

Dan

codeman671 · 02-12-2024, 11:19 AM

Who is everyone using in the area for State Farm? I wonder if I should shop mine.

ishoot308 · 02-12-2024, 11:30 AM

Quote:

Originally Posted by codeman671

Who is everyone using in the area for State Farm? I wonder if I should shop mine.

We use Rene Leclerc out of Hooksett. Been with them for years and very pleased with their service….

Dan

CowTimes · 02-12-2024, 01:12 PM

Quote:

Originally Posted by codeman671

Who is everyone using in the area for State Farm? I wonder if I should shop mine.

We used Shannon Greenwood out of Tilton. https://shannon-greenwood.com/

Our island property is the only thing we have through State Farm, so no bundling seems to be required.

Descant · 02-12-2024, 02:52 PM

If your boat is at the dock or on the trailer, and somebody steals your tool box, is it covered under your home insurance? Boat? Camp? "Who ya gonna call?" Extending liability coverage for a second location or a small boat from your primary home policy is relatively cheap, better than having separate policies. At least, one agent should know all the risks and set up coverage accordingly even if you buy from others. I sold for a direct writer for 25 years and covered second homes in MA, FL, ME, AZ, etc. and cars for college students all over the place since they were still part of the household. I know laws have changed since I retired years ago, but the principle of coordinating coverage is the same. And some companies don't want or are not underwriting certain risks like your 75 mph GFBL or a permanently sited mobile home.

02-07-2024, 09:34 AM	#1
Kena1221 Junior Member Join Date: Jul 2019 Posts: 1 Thanks: 0 Thanked 0 Times in 0 Posts	Island home insurance Who do people use to insure their island home. I have a house on cow island. Sent from my SM-G991U using Tapatalk

02-12-2024, 10:32 AM	#6
ishoot308 Senior Member Join Date: Feb 2008 Location: Gilford, NH / Welch Island Posts: 5,932 Thanks: 2,290 Thanked 4,943 Times in 1,918 Posts	State Farm We have State Farm for our island home. However we also have our mainland home, our vehicles and umbrella policies with them. I am not positive but do believe you will have a hard time just getting island home insurance without having your other policies with them as well… Good luck! Dan __________________ It's Always Sunny On Welch Island!!

02-07-2024, 10:59 AM	#3
Bernie Girl Senior Member Join Date: Jul 2012 Posts: 60 Thanks: 144 Thanked 17 Times in 16 Posts	We use State Farm for our Barndoor Island house.

02-08-2024, 12:40 PM	#4
The Real BigGuy Senior Member Join Date: Apr 2004 Posts: 1,112 Thanks: 109 Thanked 410 Times in 244 Posts	I have a house on Little Bear that is insured by Liberty Mutual. I had a tree demolish my deck last spring and the whole process of dealing with LM was a pleasure from the initial contact, thru initial adjuster review, to change orders, to final payment. I was expecting a sh__ show but it was incredibly easy & unexpectedly stress free (from an insurance point of view.) Sent from my iPhone using Winnipesaukee Forum mobile app

02-11-2024, 09:31 PM	#5
CowTimes Senior Member Join Date: Jan 2019 Posts: 140 Thanks: 9 Thanked 124 Times in 66 Posts	Island insurance has been getting more difficult every year. We are on our third or fourth insurer over the last 10 years. State Farm seems to be the recent “go to” with decent rates after a couple of the other island insurers dropped island properties. Even the agencies that are accustomed to island properties are having hard times finding coverage.

02-12-2024, 11:19 AM	#7
codeman671 Senior Member Join Date: Jan 2005 Posts: 3,360 Thanks: 210 Thanked 764 Times in 448 Posts	Who is everyone using in the area for State Farm? I wonder if I should shop mine.

The Following User Says Thank You to CowTimes For This Useful Post:
ishoot308 (02-12-2024)

02-12-2024, 02:52 PM	#10
Descant Senior Member Join Date: Mar 2006 Location: Merrimack and Welch Island Posts: 4,036 Thanks: 1,212 Thanked 1,518 Times in 985 Posts	If your boat is at the dock or on the trailer, and somebody steals your tool box, is it covered under your home insurance? Boat? Camp? "Who ya gonna call?" Extending liability coverage for a second location or a small boat from your primary home policy is relatively cheap, better than having separate policies. At least, one agent should know all the risks and set up coverage accordingly even if you buy from others. I sold for a direct writer for 25 years and covered second homes in MA, FL, ME, AZ, etc. and cars for college students all over the place since they were still part of the household. I know laws have changed since I retired years ago, but the principle of coordinating coverage is the same. And some companies don't want or are not underwriting certain risks like your 75 mph GFBL or a permanently sited mobile home.