There is a great article by Les Masterson on Realtor.com. The 4 Most Common Reasons Why Your Home Insurance Company Will Drop Your Coverage
In it he covers the common reasons why your home insurance company may decide to cancel or not to renew your home insurance policy. In summary, here are the 4 reasons:
1. Old Roof
Well it is actually the age AND CONDITION of the roof that matters. I am not surprised by this one. Today in my neighborhood there is a home for sale that was built in 1986 and it still has the original roof! It is listed for $479,000- I doubt it will sell unless the roof is replaced or some provision is made in the sales agreement.
2. Too many claims
I know you are asking yourself why do I buy insurance? Well, frequent claims can cause your current insurer to not renew- or to even increase your costs dramatically. As a NH Home Insurance agency we shop home insurance for our clients all day long. We are so frustrated when we see a client with 2 claims and one is for only $400. (If it's under a $1,500 we suggest that you do not file the claim...you can lose a loss free discount, your rates can increase and if you have a significant claim in the future it may result in cancellation or non-renewal!) Having more than one claim in a short time period can make it difficult to get attractive home insurance rates!
3. Insurer stops offering in your state or area
4. High Risk Pets
Many NH home insurers will NOT write your home insurance if you have a high risk dog (They include Pit Bull, German Shepherd, Akita, Chow, and Akita).
Today dog bites are the most common liability claim on a home insurance policy and cost insurers $700 Million annually. The typical amount paid out for a dog bite claim is $37,051. As a NH Home Insurance agent we have some good news we have a NH home insurance company that will work with home owners who have dog bite history. So please call us if you have need a quote!
Please see the entire article for more info- it is well done!
If you have any questions about your NH Home Insurance or MA Home Insurance policy- or if you want a NH Home Insurance Quote please give us a call at 1-888-882-2909.
Atlantic Insurance & Benefit Company specializes in Nashua, NH Home Insurance and the surrounding community.
Useful tools to enhance your RV experience
You know that taking to the road in your RV is fun – that’s why you do it! But vacationing on the road can have its troubles, like dead batteries, flat tires and missed destinations because of wrong directions. Wouldn’t it be great if there were tools and gadgets to help avoid these situations?
Here at Atlantic Insurance in Nashua, NH want to help make your RV trips not only easier but also better, whether you’re headed to Mount Washington or just Hampton Beach. So we’ve found some handy items to help do just that.
We know this isn’t exactly a “new” thing, so why not make the most of your RV trips by knowing exactly where you’re going? Your family will thank you. And some GPS models even show restaurants and other attractions.
Portable battery charger
A dead battery will bring your trip to a quick halt, so make sure you can charge up in an emergency. Some portable chargers are solar-powered and include air compressors to pump up a flat tire.
A flat tire not only can ruin a day’s drive, it also can be dangerous. That’s why it’s so important to maintain your tires and make sure they’re properly inflated. RV tire pressure monitoring systems alert you when you have a tire running low so you can fix the situation before it gets worse.
These days, everyone has something to charge — from phones to laptops and even e-readers. There are tons of options for inverters that provide portable power, without using your generator, so your devices are ready to keep you connected and entertained.
A “must-have” for many RVers, silicone cookware is renowned for nonstick performance. Stacked pieces also don’t rattle while you’re on the road.
Perhaps you’re RVing to escape “regular” life, including TV. But if you just can’t live without it, you have several choices from dishes that attach to the RV to portable models.
Packing a few games is a great idea for when the weather doesn’t cooperate with your vacation or if you just want to make some new friends at the campground. Classic board games are a fun way to spend a rainy day, and it’s always a good idea to have a deck of cards or two around. Outdoor games like Cornhole (also known as “beanbag toss” or “bags”) are sure to get your competitive juices flowing.
Where to find gadgets for RVing
Of course, there are thousands of useful tools that we just don’t have room to list here – kitchen gizmos to barbecue grills, solar panels to RV tracking systems. Any of these gadgets could improve your experience, whether you’re headed across the country or just across the state! Your local RV dealer likely has more than a few accessories to help you, so they’re a great place to start. Sites like amazon.com and campingworld.com have a lot to offer as well.
Get a NH RV NH Motor Home Airstream NH Camper Insurance Quotes Today. You can call us at 603-882-2909 for a quote or click here for an online NH RV MOTORHOME INSURANCE QUOTE.
The AVERAGE NH CAR INSURANCE PREMIUM IS $983 annually. (See great article about NH Auto Insurance) But most of our clients pay at LOT LESS!!
In NH there are almost 10% of drivers are uninsured- this is a problem for people who HAVE INSURANCE- do you have enough coverage for Uninsured Motorists on your policy?
We are thrilled to share with you how affordable it is to get car insurance. We are happy to answer your questions and to learn more about what your unique needs are.
We have creative solutions for just about any problem you can think of.
Call us today at 1-888-882-2909 or you can get a quote online here.
With spring just around the corner, it’s a great time for a “spring break” RV trip. Whether you’re heading to the White Mountains or planning your getaway a lot farther from home, you’ll want to make the trip safely. Here are some great tips to help you get out there and back without worry, because nothing can ruin an RV trip faster than trouble on the road.
First know your ride — even if you’re just along for the ride
Of course, knowing the features (and limitations) of your RV is the first step to safely driving it. Are you towing a car? Be mindful of how that will affect your stopping power and maneuverability. Know the dimensions of your vehicle to help with parking and any tight spots you might encounter on the road. Make sure you know that you can fit under the overpasses and bridges on your route.
And even if you’re just a passenger, it’s a good idea to learn how to drive the RV as well. You might need to take over in an emergency or other situation.
Maintenance, maintenance, maintenance
Just like a car, keeping your RV well-maintained is extremely important. Are your tires in good shape and properly inflated? If you’re towing a car or boat, do you need additional braking power? Are your mirrors angled correctly? Is your safety equipment (for example, your fire extinguisher) in good working order? Doing a walk-around and conducting some quick checks before you leave can save you a lot of frustration down the road.
Down the road!
Your RV is much bigger than a car, of course, and that means you need to act carefully when you’re driving it.
What about parking?
It’s best to have someone to guide you into a parking spot. If you don’t have anyone with you, check out the area before you try to pull in.
Need to learn more?
Consider taking an RV driving safety course, if possible. At the very least, practice in a large parking lot before hitting the road. Taking a little time to learn how best to drive your RV or improve your skills can have a big impact for you and your family!
Remember to give us a call at 603-882-2909 when you need coverage for your RV or anything else. We’re here to help.
Atlantic Insurance Nashua leading RV Insurance agency sells RV Insurance in Nashua, NH and the surrounding towns including Hudson, NH -Hollis, NH- Merrimack, NH- Manchester, NH and Pepperell, MA and Groton, MA.
See how our clients who buy Anthem's Medicare Supplement stay fit & get healthy with Silver Sneakers!
by Steve Donohue Nashua NH RV Insurance Agency Owner
February 13, 2018
Today Americans work hard and they are looking for a fun vacation. What better way to have fun then a week away in an RV! Now people are not just buying RV's- but they are also renting them.
RV Sales surged In 2017 with an increase for the 9th year in a row. December 2017 was the best month for RV sales since the RV industry stated keeping track. Baby Boomers who want to travel the country have been joined by Millenials newly entering the market. The sales have been helped by higher standards for quality of construction, light weight options, and high technology in both campers and camp grounds. (Winnebago saw stock prices rise by 76% in 2017.)
As for rentals, in 2018 more than 35 million people in the US are expected to rent an RV. How do you rent an RV? Here are 3 resources for RV Renters below:
Also please visit the NH RV Insurance Blog for more helpful information here.
Getting a NH SR22 Operator's Insurance Certificate or NH Financial Responsibility Form FAST is important to our clients. We know that people need their driver's license to get to and from work, and to take care of their families.
Here are Atlantic Insurance & Benefit Co. we specialize in SAME DAY NH SR22 Insurance.
Like other insurance companies we can issue a NH Sr-22 over the phone with electronic email signature and payment-however many insurers will just mail the SR22 Financial Responsibility Form to the NH DMV.
There is a big difference between buying a NH Sr-22 online and waiting 2 weeks for the insurance company to mail your Proof of Financial Responsibility to the NH DMV- and getting a NH Sr-22 certificate the Same Day.
This is where we are different- we get you the required NH Sr22 Operator's Certificate (Financial Responsibility Form aka Pink Slip) the same day!
If the NH DMV has let you know in writing that you require a NH SR22 either due to a DUI, Accident or some other kind of infraction please give us a call at 603-882-2909 we will help you get back your license or keep your license.
Click here more info about Same Day NH Sr22 or request an online NH SR-22 Quote with us here.
Steve Donohue, Nashua, NH Health Insurance specialist has been recognized as a member of the Healthcare.gov Circle of Champions for 2018.
Here at Atlantic Insurance & Benefit Company we have been helping people understand and buy the most affordable health insurance plans LONG BEFORE Obamacare.
"In 2013, I got certified to offer plans to individuals and businesses through the healthcare.gov marketplaces and I haven't looked back." says Steve Donohue. "It is now the 5th open enrollment for healthcare.gov and with less choice and increasing costs it is more challenging than ever before for individuals and businesses here in NH. "
If you are an individual or business and need help understanding the NH health insurance market please call us at 1-888-882-2909.
REMEMBER Open Enrollment for 2018 in the INDIVIDUAL HEALTH INSURANCE MARKET IN NH ends 12/15/2017!
See award HEALTHCARE.GOV circle of champions certificate here.
NEWS- NH Individual Health Insurance Market in 2018 Expect Fewer Choices, Higher Rates, No Cost Share Reduction, and only 6 Week Open Enrollment
by NH health insurance broker Steve J. Donohue, Jr. RHU
NH Individual Marketplace consumers in 2018 can expect 4 things:
See review of the types of plans Anthem Blue Cross Blue Shield, Harvard Pilgrim Healthcare and AmBetter will offer on the NH Marketplaces in 2018.
Harvard Pilgrim (2 Plans On exchange- additional plans off exchange)
On the healthcare.gov website for 2018 Harvard Pilgrim Healthcare will ONLY OFFER 2 plan designs, one GOLD and one SILVER plan. This is much different than 2017 when they offered 8 different plans. Both of the Harvard Pilgrim Plans offered will be ELEVATE HEALTH. Harvard's Elevate Health is their limited network product. For more info about Harvard's Elevate Plans visit HPHC Website here. Harvard also offers INDIVIDUAL HEALTH INSURANCE directly to consumers off the exchange.
Anthem Blue Cross/Blue Shield (11 Plans On Exchange- additional plans off exchange)
Anthem has the most options for consumers on the exchange for 2018. They will offer 1 catastrophic plan, 3 bronze plans, 6 Silver plans and 1 Gold plan. Anthem also offers INDIVIDUAL HEALTH INSURANCE directly to consumers off the exchange.
AmBetter (2 Plans on Exchange)
Like 2017 AmBetter will offer 2 plans, 1 silver and 1 Gold plan.
Here are a few resources for NH Individual Health Insurance Consumers.
by Steve Donohue, NH Medigap Insurance broker
The NH Medigap market offers NH Seniors many choices. When it comes to picking the best Medicare Supplement plan for your needs there are several different insurance companies to choose from.
Who has the best rates in the NH Medicare Supplement market for 2018?
For the popular Medicare Plan F, Plan G and Plan N see table below:
If you want to learn more about the NH Medicare Supplemental plans that are available and how they work please call Steve Donohue at 603-882-2909.
Also see great resource below published by the NH Insurance Department:
2018 NH Guide to Medicare Supplement Insurance
NH Medicare News- Medicare is Replacing ID Cards - and Good News- the new one doesn't have your Social Security # !
by NH Medicare Supplement broker and insurance writer Stephen J. Donohue, Jr. RHU
NH Medicare enrollees will be pleased to hear that in 2018 the Department of Health & Human Services will be replacing Medicare ID cards. Medicare members have have long complained about the fact that their Medicare ID # is usually their Social Security number with a letter after it.
Medicare will be issuing New ID cards - about 60 million of them- without the social security number as an identifier- the new ID Card will instead have 11 digits and will include both letters and numbers. Removing the Social Security number form the Medicare Card is designed to help fight identity theft. NH Medicare ID card replacement will begin in April 2018 and is expected to be completed by April 2019.
If you are on NH Senior who is on Medicare please make sure that Social Security has your correct address and be sure to keep your new ID # confidential. See more info below from Medicare & You 2018 brochure.
by Stephen Donohue NH Health Insurance Broker
A picture is worth a thousand words. See summary of annual health insurance costs below for the past 19 years.
This table shows how single & family health insurance costs have increased from 1999 to today.
Each year the Kaiser Family Foundation (kff.org) surveys employers of different types and sizes throughout the US. The 2017 Employer Health Benefits Survey by KFF is a great tool for any employer to study. It also shows the differences in costs and coverage between small employers (3-199) and large employers (200+).
The 2017 KFF Employer health Benefits Survey shows:
I encourage ANY employer or employee to visit the KFF 2017 Employer Health Benefits Survey for more Info here.
Steve Donohue is a NH health insurance broker who sells health insurance to employers, individuals and NH Medicare recipients. If you have questions about your health insurance needs please call Atlantic Insurance & Benefit Co. at
NH Insurance Broker- Steve Donohue of Atlantic Insurance Crunching the #'s to get you the best deal on whatever insurance you need!
Southern NH's Atlantic Insurance & Benefit offers customers more coverage options with Safeco Insurance® products- PLUS ONLINE QUOTES!
Here at Atlantic Insurance & Benefit Co., we take pride in providing expert advice, great service and a variety of coverage choices that help our customers meet their insurance needs. And now we’re excited to add to your options through our partnership with Safeco Insurance.
Safeco’s comprehensive insurance coverages includes flexible choices and competitive prices for cars home motorcycle recreational vehicles boats and classic cars and more!
Our relationship with Safeco and the ability to sell their products gives our cherished clientele the ease and quality of service we strive to provide each and every day, and we’re proud to offer our customers even more customizable coverages with Safeco.
Safeco Insurance products are sold exclusively through independent agents, like Atlantic Insurance & Benefit Co. We can offer personal recommendations tailored specifically to your unique insurance needs. And we’re ready to help today!
Give us a call at 603-882-2909, email us at email@example.com or simply drop by the office at 375 Main St., Nashua NH to see what we can do for you.
You can even request a quote online with our SafeCo quoting tool here:
2018 NH Individual Health Insurance Market: Anthem, AmBetter and Harvard Pilgrim Healthcare Returning- Minuteman Health will NOT!!
by Steve Donohue NH Individual Health Insurance Broker and insurance writer
Today the NH insurance Department confirmed that Harvard Pilgrim Healthcare and Anthem will return to the NH Individual market- specifically noting that these insurers will BOTH offer plans on the NH Marketplace (also known as healthcare.gov). However the big news is that Minuteman Health will NOT be returning to the NH Individual health insurance market in 2018. See Press release here.
Minuteman Health is a cooperative health plan that presently covers about 27,000 Granite State residents. Established in 2013, Minuteman initially emerged as a significant player in the NH individual Health insurance market. Focusing on a limited network of providers, and offering low cost silver plan designs made them an appealing choice for many individual health insurance shoppers.
However, in 2017 Minuteman hit financial difficulty. In June of 2017 Minuteman announced that it would stop writing business as of January 1, 2018 due to a significant reduction in capital. At that point leadership from Minuteman Health stated that they wanted to re-enter NH as a "for profit" health plan in 2018.
In August the Massachusetts Division of Insurance took control of Minuteman Health, placing them under a blanket of "receivership". (Receivership is when a state steps in to protect policyholders and providers when an insurance company is in financial distress. This measure is designed to bolster Minuteman Health so that they can meet obligations until the end of 2017.) Today it became clear that Minuteman Health would not obtain the funding required to create a new separate entity to offer coverage in NH for 2018.
What does the NH Individual Health Insurance Market look like now?
See quick review below of the enrollment of members by the 4 current insurers who offer Individual health plans in NH. Today Minuteman Health is the 2nd largest insurer in the non group market.
(Source 2017 Marketplace Monthly Enrollment Report)
What insurers will offer NH Individual Health Insurance in 2018 marketplace?
As of today three other insurers, Anthem, Ambetter and Harvard have all confirmed that they will be offering health insurance in NH for 2018.
What can I do if I am a Minuteman Member?
Representatives from the NH Insurance Department and the Massachusetts Division of Insurance have stated that consumers covered under Minuteman now will not likely experience significant changes. Members and providers are encouraged to contact Minuteman Health as they have in the past for any issues.
The waiting is the hardest part... (Tom Petty)
Open enrollment begins November 1, 2017 and ends December 15, 2017- this is the time when individuals can choose a new health plan for 2018. So if you are a Minuteman member you can select new coverage during open enrollment. The dilemma that some Minuteman consumers will face is changing insurers and likely seeing higher premium costs beginning January 2018.
If you have questions please call:
See Anthem NewsFlash
Anthem to offer Individual plans on the exchange in New Hampshire for 2018
Anthem Blue Cross and Blue Shield has been serving consumers in the Individual market for decades, and throughout that time our commitment to the residents of New Hampshire to provide access to affordable, quality health care has not changed.
We were the only carrier to offer plans on the exchange in New Hampshire in its first year of existence, and we are pleased to continue offering Individual plans in 2018 that provide consumers with access to care statewide.
You may have heard recently that we're leaving the exchanges in some other states. We want you to know we are making our participation decisions on a state by state basis, and are pleased to continue making these plans available in New Hampshire.
Of course, recognizing the dynamics and level of volatility in the Individual market, we will continue to advocate solutions that support stability in the market.
by Stephen J. Donohue RHU Nashua, NH Medicare Supplement Broker
For many who are shopping for Medicare Supplement insurance plans in NH the decision will often come down to 2 plans, the Plan F or the Plan N. I want to start this comparison by saying that the here in NH the Plan F and the Plan N are both great Medicare supplemental plans.
A quick refresher, Medicare is a federal health insurance plan that covers senior citizens and also some who are younger than 65 and are disabled. Medicare Part A provides coverage for Hospitalization and Skilled Nursing Home, and Part B covers doctors office visits, testing, Emergency Room and most other out-patient services (think oxygen, wheelchairs, tests etc).
What are the advantages to the NH Plan F Medigap coverage?
What are the Advantages to the NH Plan N Medigap coverage ?
PLAN N DOES NOT PAY THE MEDICARE PART B EXCESS CHARGES. See Medicare definition below:
If you have Original Medicare, and the amount a doctor or other health care provider is legally permitted to charge is higher than the Medicare-approved amount, the difference is called the excess charge.
We find that the Part B excess charges are infrequent- and even when charged are not substantial. Part B excess charges are NOT permitted in MA. For excess charges here in NH Medicare providers are only allowed to charge 15% above the approved Medicare payment amount.
What Insurance Company has the Lowest Medicare Plan N rates in NH 2017? See the Top 5 Best NH Medicare Supplement Plan N Insurers compared here.
If you want to learn more about NH Medicare Supplement or Advantage plans please call us at 603-882-2909.
Please See NH Medicare Supplemental Plan F and Plan N Benefits compared below:
Fitness University, a charity that we sponsor and volunteer with- is a finalist to win a $2000 donation from SafeCo Insurance. Fitness U is a great (FREE) 6 week running program offered each summer by the Gate City Striders for kids age 3-14- is dedicated to promoting fitness, fun and good health!
This week over 500 kids participated!
Can you take a moment to "like" the Facebook picture of volunteers Jessica Mathewson and her daughters Nicole and Kellie (in red T Shirts!)
We are so grateful if you can share this message and encourage others to vote- a vote is a like or a comment! At the moment we are 46 votes behind- but are very close to winning- Voting closes Friday 7/27 at 4 PM EST.
NH Medicare Supplement Plan F- What insurer has the best rates for the Plan F in NH- and What does the Plan F Cover?
NH Medicare Supplement expert Stephen Donohue answers questions about NH Medigap Plan F.
The Plan F is often referred to as the most deluxe and comprehensive Medicare Supplement product that is sold today in NH. According to the 2017 NH Guide to Medicare Supplement Insurance guide published by the NH Insurance Dept. there are 18 different insurers that offer the Plan F in NH.
What does the Plan F Cover?
The Medigap Plan F covers the following:
The NH Medicare Supplement Plan F pays almost ALL of the costs and deductibles that are associated with Medicare. For 2017 here is a quick review of Medicare out of pocket expenses that the NH Medigap Plan F Covers:
What does Plan F Cost in NH in 2017?
The cost for NH Medicare Supplement Plan F in NH varies with some insurers by gender and with ALL insurers by age. See 2017 top 5 insurers for the NH Medicare Plan F.
Female Age 65
$171.00 Globe Life & Accident Insurance Company
$174.60 Continental Life Insurance Company of Brentwood, TN
$175.35 First Health & Life Insurance Company
$175.54 Anthem Health Plans of New Hampshire (5% household spouse discount available)
$176.51 Mutual of Omaha Insurance Company
Male Age 65
$171.00 Globe Life & Accident Insurance Company
$188.09 First Health & Life Insurance Company
$192.50 United Healthcare
$193.09 Anthem Health Plans of New Hampshire (5% household spouse discount available)
$200.75 Continental Life Insurance Company of Brentwood, TN
The Plan F is just one of many available NH Medicare Supplement Insurance Plans- for more info about the different plans that are available - or for a NH Medicare Supplement insurance will cost for you, your spouse or your parent please call us today at 603-882-2909.
Atlantic Insurance & Benefit Co. in Nashua, NH helps NH Seniors make the best decisions for the medicare insurance plan. If you live in Southern NH, Hudson, Brookline, Hollis, Merrimack, Derry, Londonderry please let us help you today.
New Hampshire Homeowners Insurance...How much does it Cost? For 2017 The Average Cost of NH Home Insurance is $905!
Stephen Donohue Nashua, NH Insurance writer provides interesting facts about the New Hampshire Homeowners Insurance market
The NAIC Report Card shows that NH Homeowners paid a total of $89,136,725,302 for home insurance in NH in 2015- that is a lot of money- but what does that mean to you? Here is a quick tally on how NH Homeowners Insurance rates compare vs. the US average.
US Average Homeowner's Insurance Yearly Premium Cost: $1132
NH Average Homeowner's Insurance Yearly Premium Cost: $ 905
(Source Trusted Choice)
How do insurers price home insurance here in NH?
New Hampshire Home Insurance companies will use several different factors to calculate your home insurance rates. Each insurer will file their NH homeowner insurance rates with and receive approval from the NH Insurance Department
To determine annual home insurance costs, NH Home Insurance Companies use several different rating factors including:
What to look for in a New Hampshire home insurance company?
As a consumer it is best to shop around and get several quotes for your property. We recommend that our clients consider the following 5 factors when comparing home insurance proposals:
Here at Atlantic Insurance & Benefit Company we do not expect our clients to be experts when it comes to insurance- that's our job! With some basic info we can compare your current home insurance coverage with what the market has to offer. We work with dozens of insurers and routinely save our clients up to 30% or more on their home insurance rates.
Call us toll-free for a quote at 1-888-882-2909 or request a NH Home Owners Insurance quote here online now!
by Stephen J. Donohue, Jr. RHU Group Health Insurance Broker for small businesses
Neighborhood Health Plans new TELADOC lets you skip the waiting room and see a doctor on your I-phone!
Telemedicine is here and thriving.
Today in the northeast several health insurers offer their members the ability to have a Virtual Doctors Visit. With this emerging technology Neighborhood Health Plan members are now able to bypass the crowded doctors office and avoid the more costly visits to urgent care, or the ER.
TELADOC is an online service offered through a web camera enabled laptop, tablet or computer- or better yet through an app on your smart phone (I-phone or Droid). Patients can see a doctor who is licensed in their state and that physician can discuss symptoms, diagnose the issue and prescribe a treatment all over a SKYPE or FACETIME style video chat.
What does TELEADOC treat?
Members can register online and set up an account- or better yet- download the APP on their I-Phone or Droid here.
As an employee health benefits specialist clients are always asking me ways to save money- this is one great way. I love the telemedicine benefit for 4 reasons:
For more info please visit nhp.org/teladoc today. Or download and share this brochure.
Stephen Donohue is a licensed health insurance producer in several states including NH, MA and ME. He focuses on helping small business offer attractive benefits to their employees.