The Pros and Cons of Purchasing Health Insurance Through the Health Insurance Marketplace

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Navigating the world of health insurance can be challenging, especially with various options available. At AS Insurance Agency in Manchester, NH, we aim to simplify the process by exploring the pros and cons of purchasing health insurance through the Health Insurance Marketplace.

Advantages of the Marketplace

One of the main benefits of using the Health Insurance Marketplace is the variety of plans available. It allows you to compare different options side by side, making finding a plan that fits your needs and budget easier. Additionally, the Marketplace offers subsidies for those who qualify, which can significantly reduce your monthly premiums.

Another advantage is the standardized coverage. All Marketplace plans are required to cover essential health benefits, such as preventive services, emergency care, and prescription drugs. This ensures a baseline level of coverage, providing peace of mind that your basic health needs will be met.

Potential Drawbacks

However, there are some drawbacks to consider. The enrollment periods are limited, so you must be aware of deadlines to avoid gaps in coverage. Additionally, while the Marketplace offers many options, the choices can sometimes be overwhelming, making it difficult to determine which plan is truly best for you.

There may also be restrictions on healthcare providers and networks, limiting your choices of doctors and specialists.

Making the Right Choice

Choosing the right health insurance plan is crucial to your financial and physical well-being. We’re here to guide you through the process at AS Insurance Agency in Manchester, NH. Contact us today to discuss your options and find the plan that best suits your individual needs. Let us help you make an informed decision for your health and future.

What Happens if You Don’t Have Life Insurance in Manchester, NH?

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Learn about the benefits of life insurance and what can happen if you don’t have life insurance from the experts at AS Insurance Agency in Manchester, NH.

Life Insurance Basics

Life insurance is a form of financial protection that helps survivors to cover the costs of everyday expenses like rent, mortgages, groceries, and utilities. A well-structured life insurance policy helps beneficiaries to cover costs related to funeral and burial expenses, outstanding debts, medical bills, and lost income.

Why You Need Life Insurance in Manchester, NH

Many New Hampshire residents make the mistake of thinking that they are too young to have life insurance or that the costs of having life insurance are too high for them to invest in. There are life insurance policies for people of all ages and income levels.

Your relatives and beneficiaries can find themselves struggling with a mountain of debt related to burial expenses, everyday living costs, and outstanding debts when their loved one passes away without life insurance.

A licensed insurance agent can help you understand the key differences between life insurance policies in New Hampshire.

Term Life Insurance

This form of life insurance is designed to provide coverage for a specific “term.” Term life insurance is one of the most flexible and affordable options available.

Whole Life Insurance

In contrast to term-based life insurance, whole life policies cover the insured and their beneficiaries for a lifetime. These lifelong policies often feature a cash value benefit where policyholders can borrow against their policy in cases of emergency and for qualifying life events.

Contact a licensed agent at AS Insurance Agency in Manchester, NH to learn more about options for life insurance and how life insurance can safeguard your home and family.

Does Your Condo Need Renters Insurance?

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Moving into a new condo brings a wave of excitement, but amidst this thrill, it’s crucial to take steps toward secure living. One of these steps is securing a reliable renters insurance plan that protects your belongings in case of unforeseen incidents. Suppose you’re located in the Manchester, NH area. In that case, AS Insurance Agency is here to guide you in obtaining a policy that matches your needs and ensures assurance and tranquility. Selecting the right renter’s policy is crucial, and our agents are committed to simplifying the process for you.

Depending on the condo you rent, it might be mandatory to possess renters insurance from the owner or property management company. However, even if it’s not required, having a policy acts like a safety net for your possessions. With our experienced agents, you can obtain quotes from various insurers in one place, alleviating the hassle and confusion. This way, you can make an informed choice that suits your needs and get any arising questions resolved.

Rather than stressing over the security of your belongings, we want you to relish settling into your new condo. A sense of security lets you focus on turning your condo into a comfortable home, whether decorating or picking out furniture. Our agents aim to provide this experience with the utmost convenience.

Protecting Your New Condo with Renters Insurance in Manchester, NH

Connect with us today at AS Insurance Agency if you’re in Manchester, NH, and seeking a renters insurance policy. We will explore your options together and assist you in acquiring an appropriate policy for comprehensive protection, enabling you to concentrate on other aspects of your life.

How Worker’s Comp Protects Your Business

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Worker’s compensation insurance, commonly called worker’s comp, is an important type of insurance for every business with employees. Even if you have only one employee, having this type of insurance is best. This kind of insurance policy can save a business from enormous costs. Call us at AS Insurance Agency in Manchester, NH to learn more about worker’s comp insurance.

Coverage for Your Company’s Liability

Worker’s comp policies are liability coverage that pays for the many costs that are due after an employee gets sick or injured at work. Whether it’s an accident of some kind or the employee developed a work-related sickness, the costs can be high. Paying these costs on your business’s behalf protects your business from having to pay expensive bills. These can include lost wages on the part of the employee, legal expenses related to the accident or illness, medical bills, and ongoing therapy for the problem. All of these can cost enough to bankrupt a small business without insurance to pay them. 

How Employees Benefit

A worker’s comp policy benefits not just your business but also your employees. When you have this insurance in place, an employee doesn’t have to worry about what will happen if injured on the job because they know it will be taken care of. They won’t have to worry about the business going out of business because of the costs and being left holding the medical bills. 

Get Worker’s Comp Insurance

When you want to protect your business and your employees against the high costs of accidents and illnesses, you need a worker’s comp policy. Call us at AS Insurance Agency in Manchester, NH, to learn more and get started. 

What Are Common Misconceptions About Umbrella Insurance in Manchester, NH?

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Protecting your loved ones, assets, and investments can seem daunting if you’re unfamiliar with the process of selecting insurance policies. If you’re considering bundling your insurance policies or want to learn more about umbrella insurance, debunking common misconceptions about umbrella insurance policies in Manchester, NH, can help you make an informed decision.

Umbrella Insurance is Only for Those With Significant Assets

While umbrella insurance is optimal for those with a growing portfolio of assets, it’s not a requirement to have significant assets to obtain your own policy. Umbrella insurance policies can protect and preserve the assets you do have so you can continue to grow and expand your portfolio.

Umbrella Insurance Policies are Confusing

Umbrella insurance policies can be extremely straightforward and transparent when working with the right insurance agency and agent in the Manchester, NH area. Your policy will clearly state the additional coverage you are receiving beyond your existing policy benefits.

Umbrella Insurance Policies are Unaffordable

In many cases, umbrella insurance policies can be very affordable, especially when working with the right insurance agency and agent. Some premiums can range from $150 to $300 annually, providing up to $1 million in coverage.

My Insurance Policies are Adequate

Unfortunately, this is not always the case when it comes to auto, business, and homeowners insurance policies. If your basic insurance policy falls short in a major disaster or incident, you’ll have to cover the remaining costs. Umbrella insurance can extend benefits and cover excess costs in your time of need.

If you live in the Manchester, NH, region and are interested in umbrella insurance policies for your household, AS Insurance Agency is here to help. Contact AS Insurance Agency to speak with one of our qualified representatives today to learn more about the common misconceptions regarding umbrella insurance.

Considering Buying a Home in a Flood Zone? Three Things to Consider Before Making an Offer

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Buying a home in a flood zone isn’t always a bad idea, especially if you have the right flood insurance to protect your investment. At AS Insurance Agency, we’re here to offer Manchester, NH residents the flood insurance products necessary for your peace of mind. Here, we’ll look at a few things you’ll want to consider before purchasing a property located within a flood zone.

Flood History

You’ll want to learn more about the particular flood zone in which your potential property is located. Researching FEMA’s flood maps, understanding the property’s elevation, and learning more about previous flooding incidents can all help you decide whether to proceed with your purchase.

Legal Requirements

In many areas, flood insurance is required for homes that are in high-risk zones. Your realtor can work with you to help you understand the insurance requirements for the properties you’re considering. At AS Insurance Agency, we’re happy to talk with you about the cost of flood insurance for your property.

Mitigation Measures

If you’re purchasing a property in an area where flooding is common, previous owners may have taken steps to reduce the risk of flooding, such as installing sump pumps, upgrading drainage systems, or raising the structure. These factors may lower the cost of your flood insurance.

Call AS Insurance Agency, Serving Manchester, NH

At AS Insurance Agency, we’re here to provide you with the guidance you need to choose the right insurance policy for your home. We’re happy to discuss flood insurance coverage with you, and our friendly agents are waiting to meet you. Please stop by our office or call us today to learn more about how we can protect you and your home.

What Riders Can You Add to Condo Insurance?

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You start with a standard policy when you purchase a condo insurance policy from AS Insurance Agency to protect your investment in your Manchester, NH, condo. Working with your insurance agent, you can add riders to your to add scheduled items, such as engagement rings or hobbyist equipment.

Scheduling an Item 

You choose the riders or scheduled items to add to your basic condo policy. When you schedule an item in a condo policy, you specifically list that item, describing it in detail and including its value. You can add jewelry, business equipment, hobby equipment, books, stereo components, etc.

How It Affects Premiums 

When you add items to the policy, the premium cost is affected. Each scheduled item or rider increases the premium slightly. If you add a lot of scheduled items, the cost of the policy increases.

Advantages Derived from Riders 

While they might cost a bit per item, a rider is worth it if your condo gets damaged or someone steals your belongings. Normally, a condo policy works like other home insurance policies, covering personal belongings with a percentage of the condo’s value.

If you purchase a condo for $100,000, a typical policy includes coverage of between one and 10 percent of that value as personal belongings. You probably own more than $1,000 or even $10,000 worth of clothing, electronics, kitchen and other housewares, furniture, etc. When you schedule an item, you insure it for its full value. Whether a peril damages your items or a thief steals them, you receive the full value of the item so that you can buy a replacement.

Contact AS Insurance Agency Today

Let AS Insurance Agency help you customize your policy to cover your valuables completely in your Manchester, NH, condo. Contact us today to create your custom condo insurance. 

Taking the Road Less Traveled Requires This Motorcycle Insurance

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Manchester, NH, offers 1,200 miles of opportunities to take the road less traveled. Off-road motorcycle trails include Haystack, Farnum, Wild River Roads, and Jericho Mountain. 

AS Insurance Agency wants you to enjoy your NH riding adventures. However, we don’t recommend navigating the most extensive northeast interconnected trail system without insurance. The coverage you need differs from when driving an automobile. 

Motorcycle Driving Risks

Historically, the government has warned of the heightened risk of motorcycle driving. Fatalities may occur at least 20 times more on a motorcycle than in a car. 

It’s no secret that your vulnerability to the open air and nearby traffic puts you in increased danger. When riding a motorcycle, it’s best to have the highest level of personal injury coverage you can afford. 

Car Versus Motorcycle Coverage

Car drivers may not need as much coverage as when riding a motorcycle. It’s assumed that at least some of a passenger’s medical expenses are included. For a motorcycle, it’s not so clear. 

Now, some people think of motorcycles as a “joyriding” toy. They often have a passenger in the back. However, insurance agents typically classify a motorcycle as a one-person vehicle. 

Expect to pay higher premiums if you frequently have passengers on your bike. You may also need to add extended personal injury coverage to your policy. 

Insurance Alone Won’t Save You

Insurance only protects your finances. It alone won’t save you from injury or death. The AS Insurance Agency serving Manchester, NH encourages you to stay safe. 

The New Hampshire Division of Motor Vehicles provides a motorcycle training program. It’s open to both new and experienced riders. 

Gloves, hats, goggles, jackets, and other protective equipment will also prevent damage. Inspect your ATV or motorcycle regularly, and don’t procrastinate on needed repairs. 

We hope you have fun and never get injured. AS Insurance agents are here for you if you experience unexpected trouble. Contact us today if you need assistance. 

How to Maximize Your Health Insurance Benefits in Manchester, NH

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According to the U.S. Census Bureau, about 92% of Americans have health insurance coverage. Unfortunately, not everyone with a health insurance policy takes full advantage of it. AS Insurance Agency can help you make the most of your health insurance policy in Manchester, NH. Here are tips on how to maximize your health insurance benefits.

Choose the Right Health Insurance Policy

Picking out a health insurance policy to meet your needs will be paramount. You never want to get stuck with a health insurance policy that provides too much coverage or not enough of it. At AS Insurance Agency, we can review your potential options and assist you in selecting the best health insurance policy possible in Manchester, NH.

Schedule Appointments With a Primary Doctor and Specialists

Even though the vast majority of Americans have health insurance, not everyone sees a primary doctor each year. If you fall into this category, make it your mission to schedule at least one check-up with a primary doctor each year. Look into scheduling appointments with specialists as well if you have any pressing health concerns.

Keep Accurate Medical Records

Every time you see a doctor throughout the year, you’ll receive a receipt and a statement from your health insurance provider. Hang onto medical records like this so you can file claims correctly. These records will also enable you to evaluate your health insurance plan at the end of every year and adjust it.

Are you in the market for a health insurance policy in Manchester, NH? AS Insurance Agency is here to help. Contact us today to find an appropriate plan.

Future-Proofing Your Family: Life Insurance Innovations in Manchester, NH

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Life insurance policy decisions are fraught with difficulty. There is a certain pressure to get these decisions right. That’s where the assistance of AS Insurance Agency comes into play. We are here to help Manchester, NH, residents learn everything they need. Before you contact our team of professionals, be sure to take a moment to check out these helpful tips and pointers:

Review Your Own Circumstances

There is no need to base a policy of this nature on what has worked for others in the past. A life insurance policy should reflect specific needs instead of existing policies that others have obtained. Do the benefits closely match your needs? If so, this is a sign that you are on the verge of making the right choice.

Examine The Policy Carefully

Before you sign on the dotted line, you need to make sure that you are examining the policy as carefully as possible. You will want to ensure that all of the answers being provided are 100 percent accurate. Otherwise, you could be forced to make changes to the policy at a later date so that any inaccurate information is corrected.

Keep Your Policy

If a policy is dropped instead of being maintained over the long haul, this is going to do more harm than good. The process of replacing an existing life insurance policy is going to be a major hassle that most policyholders would rather avoid. Ask our agents for more information if this policy aspect is unclear to you.

If you have any further questions or concerns that need to be addressed, take a moment to give AS Insurance Agency a call. We are here to help Manchester, NH, residents so that they are able to find the life insurance policy that best fits their needs.