Buying investment homes? Check for an upper story egress

egress 1    egress 2

Insurance underwriters at numerous carriers now are requiring permanent egresses (exits) from upper level (2nd floor and above) rental dwellings. They are rejecting new policies and renewals if those permanent egresses aren’t in place.

What does that mean? It means that in order to have more carrier options for competitive premiums, that property must have this egress in place at the time of the quote.  This includes single and multi-family properties.

What are acceptable egresses? Unfortunately, using portable fire-ladders are not an acceptable solution for these underwriting guidelines. Instead, there must be a landing plus permanent stairs or some such apparatus which allows people to escape to safety at ground level.

What about currently owned and insured properties? Some carriers are dropping coverage for those properties- so you will need to find another carrier who will be willing to take on the risk. Talk to your agent in advance if your current carrier is heading in this direction. This will allow you to plan to either add an acceptable egress or shop for a new carrier.

Who can help? Independent insurance agencies can work with you on finding the best carrier that can provide appropriate coverages for your properties. They should know which carriers are requiring these permanent egress structures. We’d be honored to be one of those carriers!

Want to learn more? Reach out to us and we are happy to answer questions and to provide a free quote!

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire, Maine, and Massachusetts. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include homeowners insurance, auto, life, umbrella, renters, landlord, boat, snowmobile, ATV, flood, commercial auto, business owner’s policies, general liability, worker’s compensation, motor home, camper, and more. For more information call 603-273-2953 or visit: www.keslarinsurance.com.

 

Considering Airbnb for your home? We can help insure you- when others can’t.

Airbnb_CompetitorsMost traditional insurers do not have an affinity the home short term rental programs when it comes to offering you traditional home insurance policies. This is because when you bring people into your home who aren’t the primary residents,  there may be additional likelihood of claims.

Historically, this could have meant that you’d be looking at other more expensive insurance policies to then cover your home.

Good news, we now have a highly rated regional carrier who now will write a standard home policy, even if you are considering airbnb or their competitors.

Want to learn more? Reach out to us and we are happy to answer questions and to provide a free quote!

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire, Maine and Massachusetts. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information call 603-273-2953 or visit: www.keslarinsurance.com.

 

Gratitude: We couldn’t have done this without you. Best of the Seacoast 2019

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Best of the Seacoast 2019 Best Insurance Agency

We wake up this morning full of gratitude. Last night we had the honor of winning the 2019 Best of the Seacoast award for Best Insurance Agency.

We couldn’t have dreamed of this without the support of so many.

  • Our fantastic customers who allow us to service their insurance needs. We are so grateful for the trust you put in us.
  • Our exceptional team who really treat our customers as they’d like to be treated themselves.
  • Our amazing friends who voted, shared, and cheered us on.
  • Our ever-supportive networking partners. We have so many in our lives who understand that a rising tide really does raise all boats.
  • Our community in which we are grateful to serve every day.
  • And of course, our family- those we love and cherish more than words can express.

IMG_20190822_204748We understand that this now sets an even higher bar of expectations from all with whom we come into contact. We are ready and up for the challenge and so grateful for the opportunity to continue to serve.

Sincerely,

Lisa & David Keslar

 

Welcome Mindy Bedard to Keslar Insurance

1601We are excited to introduce Mindy Bedard as the newest addition to the Keslar Insurance team! We know Mindy’s diverse experience and commitment to the community will prove to be tremendous assets to our organization- and our customers!

Mindy has a background in mathematics education, and was a Middle School Math teacher for 12 years before taking time off to raise her 3 children. During that time, Mindy kept herself busy by running her own small business event catering, representing a high end skincare line, as well as facilitating wine tastings events for family, friends and small businesses. In addition, Mindy has started her own successful networking organization and attends others regularly. All this has left her well prepared her to understand and support the needs of our personal and business clients!

Mindy grew up and is now raising her own family in Auburn, NH with her husband, Todd. Both have been long term committed contributors to their community.  Mindy volunteers as her school’s PTA Treasurer and social media coordinator. Her husband Todd is a Selectman for the town of Auburn. When not working or volunteering, Mindy and her family can be found enjoying amusement parks, spending days at the lake or beach, and cherishing times with friends. We are confident you are going to really enjoy getting to know her!

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Ethan Keslar Interns at Keslar Insurance

ethan 2Newmarket, NH, December 27, 2018- Keslar Insurance Agency, a leading provider of insurance solutions in NH and ME, announced that Ethan Keslar will be interning for the month of January. Ethan currently attends the University of New Hampshire ‘s Paul College, where he is studying business administration with a focus in entrepreneurship and management. Prior to working at Keslar Insurance, Ethan worked for Goodhue and Hawkins a premier marina in Wolfeboro, New Hampshire where he worked closely with customers.

“We are excited to have Ethan in the office learning about the business. It is a nice opportunity for our family focused business. We are confident he will bring great energy and fresh ideas while he is here,” said David Keslar.

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

13 Tips for handling Auto insurance when going through a divorce

affection board broken broken hearted

Photo by Pixabay on Pexels.com

Going through a divorce can be a stressful time. Figuring out how that impacts your auto insurance can be confusing. These quick tips may help guide and clarify.

  1. Make sure you know who your current agent is and how to reach them. Even better if you have a copy of your policies and know what you have for coverages. Both parties should know where they stand on insurance until they are on their own policies.
  2. Know that your credit can impact your insurance score as it is often one of the factors in insurance rating. Separation can cause confusion in who is paying what bills which can impact your credit score as you are working to detangle financial responsibilities. Make sure you work to maintain your credit scores to help save money down the road.
  3. Car insurance: you cannot remove your ex without consent- typically in writing. If you have separate addresses, separate vehicle titles, One person will have to get a new policy.
  4. If you move, you need to notify your insurance provider as a new Zip code can alter your car insurance premiums.
  5. Typically the insurance follows the car registrations. This means whoever officially owns the car and registers it, that is the person who typically has the insurance coverage on the car.
  6. Never have a lapse in coverage if you can avoid it- even if it is only a day. This can significantly increase premiums. The person getting new coverage should get the new policy in place BEFORE being removed from the prior policy. In other words, do not allow yourself to have a lapse in coverage as this can be quite costly- even only if for a short period of time.
  7. Children in divorce situations: typically the parent with primary custody will provide the insurance, but a licensed agent can help advise as situations can differ.
  8. Best time to separate policies- when divorce is finalized. Once divorce is final, one party will need a new policy.
  9. If you ex is paying for insurance after the divorce, make sure the insurance company has all your contact info as well so you are notified if payments are no longer made.
  10. The widow penalty- when you are widowed some company’s increase rates by as much as 20%. This is because that person is now considered “single” and single drivers pay higher insurance than married couples. Have your insurance company let you know if premiums will be increasing when you change your status. If so, a good independent agent can shop for these things.
  11. If you need a new vehicle know that many factors impact the insurance premiums including the purchase price, theft rate, cost of repairs ,accident rate, safety test results and more.
  12. Consider AAA or roadside assistance option to keep you protected if you have car troubles.
  13. Partner with a good licensed agent who is responsive, supportive and educates you on process and you options. An independent agent can help you find the best insurance options for your particular needs by shopping a variety of carriers on your behalf. By doing so, they can reduce a lot of stress that can be part of this transition process.

We’d be honored to be that resource that helps you through these life changes. Please reach out to us with any questions or to help review your insurance needs.

About Keslar Insurance

Keslar Insurance Agency is a full service independent agency providing residential and commercial insurance products in New Hampshire and Maine. Recent recipients of the Business of the Year from the Exeter Area Chamber of Commerce as well as the Business of the Year from the Newmarket Business Association, Keslar insurance is committed to the community.

Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com

 

 

8 home insurance tips if going through a divorce.

person holding black twist pen pointing on white printer paper

Photo by rawpixel.com on Pexels.com

Going through a divorce can be a stressful time. Figuring out how that impacts your homeowners insurance can be confusing. These quick tips may help guide and clarify.

  1. Make sure you know who your current agent is and how to reach them. Even better if you have a copy of your policies and know what you have for coverages. Both parties should know where they stand on insurance until they are on their own policies.
  2. Know that your credit can impact your insurance score as it is often one of the factors in insurance rating. Separation can impact your credit score as you are working to detangle financial responsibilities. Make sure you work to maintain your credit scores to help save money down the road.
  3. Moving out on your own? Consider renters insurance to cover not only your personal property, but for liability coverage. Often when you bundle it from your auto insurance provider, it can be as little as $10-20/month to keep you and your items protected.
  4. Is your x-spouse/partner moving out of the relationship/home?  You can’t take their name off the insurance policy until they no longer have an insurable interest in the home. But you can get quotes for new policies without them for budgeting and planning purposes.
  5. Don’t assume that you need lower coverages for better pricing some carriers can offer better prices for higher coverages! A professional agent can look at these option.
  6. Never have a lapse in coverage if you can avoid it even if it is only a day. This can significantly increase premiums. The person getting new coverage should get the new policy in place BEFORE being removed from the prior policy. In other words, do not allow yourself to have a lapse in coverage as this can be quite costly even only if for a short period of time.
  7. Best time to separate policies when divorce is finalized.
  8. If you ex is paying for insurance after the divorce, make sure the insurance company has all your contact info as well so you are notified if payments are no longer made.
  9. Partner with a good licensed agent who is responsive, supportive and educates you on process and you options. An independent agent can help you find the best insurance options for your particular needs by shopping a variety of carriers on your behalf. By doing so, they can reduce a lot of stress that can be part of this transition process.

We’d be honored to be that resource that helps you through these life changes. Please reach out to us with any questions or to help review your insurance needs.

About Keslar Insurance

Keslar Insurance Agency is a full service independent agency providing residential and commercial insurance products in New Hampshire and Maine. Recent recipients of the Business of the Year from the Exeter Area Chamber of Commerce as well as the Business of the Year from the Newmarket Business Association, Keslar insurance is committed to the community.

Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com