| Do I need to insure my son/daughter on my policy, or any other resident relative, on my policy now that he/she is licensed? |
| A licensed operator living in your home needs to be listed/insured on your policy. Call us for more details. |
Back to Top
|
| What is an Independent Insurance Agent? |
| As "your" Independent Agent, we are free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Eaton & Berube represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price. All are rated A or better by A.M. Best Company.
You need insurance to purchase a house, to protect your family's financial future, to run a small business and, in many situations, just to drive a car. If there was only one insurance company that offered only one type of insurance, home insurance or businessowner policy--you wouldn't have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it's for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, then it's up to you to make the final choice.
|
Back to Top
|
| I am a business owner, do I need to buy Workers Compensation coverage in New Hampshire. |
| The State of New Hampshire does not require that you buy insurance on yourself as the owner of the business. If you have employees, you do need to provide Workers Compensation protection for them. Contact us for more details. |
Back to Top
|
| Can I pay my bill On-Line? Yes and No. |
| Yes, for the following companies:
www.progressive.com and
www.bristolwest.com or call 888.888.0080 pay by phone.
and No with Peerless but you can go to their website at www.peerless-ins.com and you can access your current billing statement, review your billing history and view future planned activity, or you can call 800.228.7830 to pay by phone.
|
Back to Top
|
| What does "direct earned premium" mean? |
| It is the total premium divided by the length of the policy. |
Back to Top
|
| Am I covered if someone else drives my car? |
| Yes. Your liability and physical damage coverage extends to permissive drivers of your vehicle. |
Back to Top
|
| If someone drives my car and gets into an accident, will their insurance pay for the damages? |
| Your policy is the first line of defense, because the insurance follows the vehicle. However, if the driver has insurance coverage it could also be triggered depending on the damages claimed, their insurance contract and the available coverage. |
Back to Top
|
| What is the problem with a trampoline? |
| Due to a staggering increase in injuries resulting from trampoline use, most insurance companies have elected to decline coverage for a homeowner with a trampoline. This is the result of in an increase in emergency room visits, with serious injuries reported including death, broken necks, spinal cord injuries, head trauma resulting in permanent paralysis and death have been reported. |
Back to Top
|
| How much is that doggy in the window? |
| Possibly a lot more than just the sale price... Ever wonder if that puppy you are thinking of getting for the kids is going to have an impact on your homeowners insurance? Although each company has their own guidelines, the following dog breeds can be found on most prohibited dog lists:
Pit Bull, Rottweiler, Wolf-dog mix, Akita, Chow & Canarios
Please contact your agent BEFORE you get a new dog to find out if it's on your insurance company list. |
Back to Top
|
