What role do anti-theft devices play in car insurance?

Posted on December 24, 2024December 23, 2024 by admin

Various factors influence car insurance rates, with vehicle safety and your driving record playing primary roles. Anti-theft devices, which significantly reduce the risk of vehicle theft, are one such factor.

Many vehicle owners overlook these devices, but they can lead to substantial savings on insurance premiums. The Gateway Property & Casualty team can help residents of Dover, NH, understand how their vehicles’ anti-theft features can benefit their insurance rates.

Reducing Risk and Premiums with Anti-Theft Devices

Insurance companies consider the likelihood of your vehicle being stolen when setting the premium. Anti-theft devices, such as steering wheel locks, alarms, and GPS trackers, significantly lower this risk. Consequently, insurers often offer discounts for vehicles equipped with these devices. Drivers may also be able to add some of these features to their vehicle.

Enhancing Coverage with Anti-Theft Devices

Anti-theft devices can also enhance coverage options. It’s sometimes possible to obtain specialized policies or additional benefits for vehicles equipped with advanced security features. In some cases, coverage for the installation of the device or reimbursement for anti-theft technology may be available if the car is a total loss.

Selecting the Right Anti-Theft Devices

The type of anti-theft device can influence its impact on insurance coverage. High-tech options, such as immobilizers, often yield the most significant discounts.

Anti-theft devices are a win-win for vehicle owners and insurers alike. They offer peace of mind, protect your vehicle, and can lead to meaningful savings on your car insurance. Contact Gateway Property & Casualty today to learn how security measures can enhance your coverage and reduce costs.

Getting your New Hampshire home ready for winter

Posted on November 26, 2024November 25, 2024 by admin

Being a homeowner in New England means being prepared for the worst and praying for the best. Some winters are very snowy and cold, and others are just cold. It would be best to be prepared, no matter how the wind blows. At Gateway Property & Casualty in Dover, NH, we are used to New England winters and ensure that our customers don’t have to worry about their home insurance coverage.

Clean the gutters

As soon as autumn’s last leaves have fallen, ensure all leaves and debris are removed from your gutters and downspouts. A clog can cause roof damage.

Turn off the outside water.

Turn off and drain outside water faucets. Insulate any pipes that may be exposed to the cold.

Get the furnace serviced

A clean. n furnace works more efficiently, costs less to run, and is less likely to break down on the coldest day of the year.

Clean the chimney

If you have a fireplace or stove that uses your chimney, get it cleaned every fall. It can help prevent a home fire that could destroy your home.

Make sure the carbon monoxide detectors are working

Once a year at least, check the carbon monoxide detectors to ensure they are still working. Every year, people die needlessly from this silent killer.

Be ready for snow

Have sand and salt on hand, know where your snow shovel is, and get your snow blower serviced. It is better prepared than to risk having to look for things when the snow comes.

Check windows and doors for leaks.

Have your caulk gun handy and check your windows and doors for any leaks. They cost you money and suck out your warm air.

Contact Gateway Property & Casualty in Dover, NH for all your home insurance needs. We are here for you.

The Benefits of Getting Whole Life Insurance

Posted on October 28, 2024October 25, 2024 by admin

When people depend on you, being there for them is important. This also extends to the time after you’re gone. Life insurance is available to continue providing for your loved ones. Having a life insurance policy is important so your loved ones aren’t left in financial straits without you. Two main types of this insurance are available on the market. These are term life and whole life policies. Whole life is highly popular for its many benefits that term life policies don’t. When you’re in the life insurance market, call us at Gateway Property & Casualty in Dover, NH.

Whole Life Insurance: In Force for Life

One of the biggest benefits of a whole life insurance policy is that these policies never expire. While term life policies are only good for a set number of years, whole life is good for the rest of your life. Even if you become very elderly, the policy will still be in force. This means you’ll never have to get a new policy as you would have to if a term life policy expired. You can always count on your whole life policy.

Accruing Cash Value

Another benefit that makes these policies popular is that the policy will accrue a cash value. This is an amount that starts small after a few years and slowly builds up into a more substantial amount. This amount is a value that you can then borrow against if you should ever need to. This is a good way to build peace of mind because you’ll know that there’s money available in case of a financial emergency.

Get Whole Life Insurance

To start a whole life policy, call Gateway Property & Casualty in Dover, NH.

Is Wedding Insurance Necessary?

Posted on September 30, 2024September 30, 2024 by admin

Your wedding day is unique in your heart, radiating with memorable moments and emotions. However, unexpected occurrences at the ceremony or reception can cause financial strain. Navigating through all possibilities can indeed be stressful. But let Gateway Property & Casualty in Dover, NH, alleviate your worries and make your wedding day more memorable.

Understanding Wedding Insurance

A wedding ceremony and reception are costly events that demand adequate insurance coverage to recuperate any potential loss from unforeseen incidents. However, make sure to understand the coverage offered before agreeing to the terms of a wedding insurance policy.

Benefit of Liability Insurance Coverage

An essential feature of all wedding insurance policies is liability coverage. It protects the policyholder from financial downfall if they’re held liable for injury to a guest or worker and property damage at the wedding ceremony or reception. The liability coverage will cover all repair costs, medical bills, and even aftercare rehabilitation services if required.

Coverage for Wedding Cancellation or Postponement

Wedding insurance is a unique coverage policy offering financial protection under special circumstances. This includes canceling or postponing the wedding ceremony and reception beyond your control. Legitimate reasons triggering such coverage include extreme weather conditions (flash floods, severe snowstorms, or hurricanes), recall of the bride or groom to active military duty, and failure of the bridal party’s gowns and tuxedos to arrive on time.

Wedding insurance is an increasingly popular option that offers protection for all interests involved. The team at Gateway Property & Casualty serving Dover, NH, works to ensure that this special day remains significant. We can craft a policy that allows the newlyweds and their guests to create lasting memories. Call and schedule an appointment with us today.

Classic Car Insurance: Key Differences

Posted on August 30, 2024August 28, 2024 by admin

Classic Car Insurance in Dover, NH: Protecting Your Classic Gem

For many, classic cars are more than mere assets – they’re a testament to superior craftsmanship and vintage charm. As a classic car owner, you’ve likely invested significant time, effort, and resources in maintenance and customizations to keep your vehicle in prime condition. This is why understanding the unique aspects of classic car insurance is crucial to ensure your prized possession is adequately protected. Let’s delve into the key differences between classic and regular auto insurance.

Enhanced Coverage Limits

The value of classic cars generally appreciates over time. In a few years, your vehicle might be worth significantly more than its current value, which is why classic car insurance offers higher coverage limits compared to traditional auto insurance. At Gateway Property & Casualty, we work with you to ensure your coverage limits fully protect your classic car’s value.

Eligibility Criteria for Classic Cars

Not every vehicle is eligible for classic car insurance. To qualify, a vehicle generally needs to be at least ten years old, although this criterion can be waived under certain circumstances. We recommend discussing your car’s specifications with an experienced agent at Gateway Property & Casualty to determine its eligibility for classic car insurance.

How Insurance Companies Evaluate Classic Cars

Insurance companies take several factors into consideration when evaluating the eligibility of a classic car for insurance. These considerations include the frequency of the car’s use, its method of storage, and maintenance details. Understanding these factors can help ensure that you procure suitable coverage for your classic car.

Reach Out Today For Classic Car Insurance Assistance

Navigating the differences between classic car and standard auto insurance in Dover, NH can be challenging. Our knowledgeable team is here to answer all your queries and guide you through the process, ensuring you obtain the right coverage for your needs. Contact Gateway Property & Casualty today to learn more about our various insurance offerings.

Different Types of Vehicles That May Be Covered By a Recreational Insurance Policy

Posted on July 30, 2024July 30, 2024 by admin

At Gateway Property & Casualty in Dover, NH, we understand the importance of proper insurance to protect your adventures. Here’s a look at the different types of vehicles that can be covered under a recreational insurance policy.

RVs and Motorhomes

RVs and motorhomes are perfect for road trips and camping, offering both transportation and a home away from home. Recreational insurance for RVs covers damages, theft, and even personal belongings inside the vehicle, ensuring you can relax and enjoy your travels.

Boats and Personal Watercraft

For water enthusiasts, boats and personal watercraft like jet skis are popular choices. Recreational insurance covers damages from accidents and weather-related incidents and liability for injuries or damage caused to others.

ATVs and Off-Road Vehicles

All-terrain vehicles (ATVs) and off-road vehicles designed for rugged adventures can be more prone to accidents due to the challenging terrains they navigate. Recreational insurance can cover repair costs, medical expenses, and liability, offering peace of mind for your off-road experiences.

Travel Trailers

Travel trailers provide a flexible way to explore the outdoors while offering the comforts of home. Insurance for these trailers covers various risks, including damage during travel or while parked at a campsite, ensuring your investment is protected wherever your journey takes you.

Understanding the range of vehicles a recreational insurance policy can cover is the first step in protecting your adventures. For more information or a quote, contact us today at Gateway Property & Casualty in Dover, NH. Our goal is to help safeguard your recreational vehicles so you can focus on creating memories.

Renters Insurance: Why Every Renter Should Have It

Posted on June 28, 2024July 2, 2024 by admin

At Gateway Property & Casualty in Dover, NH, we understand the importance of obtaining renters insurance to protect your belongings from damage or loss in unfortunate situations such as a fire, burglary, or other covered perils.

Renters insurance also protects you from liability if someone is injured at your rental residence, saving you thousands in medical expenses.

Many consumers mistakenly think that a landlord’s insurance policy will cover their belongings after an incident. However, a landlord’s insurance policy typically only covers the building’s structure, not the renter’s contents.

Here are more reasons why every renter should have renters insurance:

It’s Affordable coverage.

In the U.S., the cost of renters insurance coverage is often equivalent to one trip for two to McDonald’s. This is a minimal cost compared to replacing a household’s furniture and appliances out of pocket after a loss.

Renter’s policies are not one-size-fits-all. The cost varies depending on your location and the amount of coverage you deem necessary to protect your belongings.

Peace of mind if starting over.

After a covered loss, like a fire, for instance, replacing smartphones, tablets, laptops, TVs, mattresses, sectionals, chairs, gaming systems, washers, dryers, and the thousands of dollars of clothes hanging in your closet can be extremely costly.

Additional living expenses.

Most renters insurance policies provide additional living expense coverage if your rental apartment or home is unhabitable while it is being repaired. This means you can receive money for expenses beyond your everyday monthly living expenses if you find yourself temporarily without a home. For instance, if you pay $800 a month for rent but can’t live in your apartment while it’s being repaired, your renter’s insurance covers additional living expenses like hotel and meal costs.

Don’t go another day without coverage.

Unfortunate events can occur suddenly, so don’t risk another day without protecting your belongings and finances. Call Gateway Property & Casualty in Dover, NH today at (603) 294-1902.

Situations When You Might Need Umbrella Insurance

Posted on May 31, 2024June 6, 2024 by admin

Situations arise that could cause your liability to exceed the amounts offered by your standard insurance policies. Some of these incidents may be anticipated in advance and may cause you to acquire “umbrella” coverage that provides additional liability coverage. At Gateway Property & Casualty in Dover, NH, we help our clients get the coverage they need to protect them from unexpected hazards and financial losses.

What Is Umbrella Insurance Coverage?

Umbrella insurance is an insurance product that provides additional coverage for circumstances that cause financial liability above your standard policy limits. You may feel that your current limits are too low and leave you vulnerable to financial loss if a lawsuit occurs due to an accident or event.

Typical Situations When Umbrella Coverage May Be Needed

An occasion may arise when you are involved in a serious auto or boating accident that causes liability exceeding your usual policy limits. Umbrella coverage can help to defray these costs. If your dog bites someone, it is usually covered by your home insurance policy, but medical expenses and pain and suffering amounts may cause more liability than your policy covers. You might accidentally injure someone, causing an expensive liability. Your child may accidentally cause extensive damage to someone’s property that exceeds your coverage limits. Embracing insurance may also cover situations such as false arrest, wrongful eviction, invasion of privacy, and malicious prosecution.

Make Gateway Property & Casualty Your Agent For Umbrella Insurance

We offer many insurance products for our clients, including home, condo, auto, motorcycle, pets, life, and business. Contact Gateway Property & Casualty today for a no-obligation quote on umbrella coverage for your needs.

What Condo Insurance Does Cover (And Does Not)

Posted on April 30, 2024May 3, 2024 by admin

Owning a condominium gives you a little more freedom than renting an apartment. However, it also comes with more responsibilities.

Find out what your condo insurance will and will not cover to protect yourself from excess financial loss.

Keep in mind that all policies are different. Gateway Property & Casualty, serving Dover, NH, will explain your options when you meet with us. Here’s an overview of what is and is not covered in most condo insurance policies.

What Is (or Can Be) Covered

Often, a condo insurance policy includes losses resulting from fires, smoke damage, or theft. It might also provide compensation for vandalism, water damage (not floods), or windstorms.

Some condo insurance policies may cover appliances, clothing, furniture, and other belongings. However, you must make sure you provide evidence of owning these items.

Condo insurance policies also could provide you with protection against personal liability. In addition, you could end up with compensation for loss of use or fixture repair.

Your local agent can discuss the rest of the options when consulting you about your condo insurance needs. Now, we will move on to what is not covered.

What is Not Covered

You may need extra coverage against the costs of damage caused by animals. These include birds, rats, or insects. None of this is typically covered under a standard condo insurance plan.

Sewage backup or injuries to another person, especially if intentional, may not be paid for under your policy either.

Precious gems and metals, such as what jewelry is made of, usually are not covered. As far as water damage, that refers to water dripping. It doesn’t mean your condo insurance will cover water damage from a flood.

Contact us to acquire all the insurance you need for your condo. Gateway Property & Casualty, serving Dover, NH, will assist you with standalone or bundle policies.

Lesser Known Commercial Insurance Coverages

Posted on March 29, 2024March 28, 2024 by admin

While most business owners are familiar with common commercial insurance policies like property and liability insurance, there may be other more specialized coverages that your business could benefit from. Here are a few lesser-known commercial insurance protections that could be important for your business.

Employment Practices Liability Insurance: Warding Against Workplace Claims

Employment Practices Liability Insurance (EPLI) offers protection against covered claims by employees alleging issues such as discrimination, wrongful termination, harassment, and other employment-related matters. Even the most well-intentioned businesses can face these kinds of allegations in today’s increasingly litigious society. Therefore, at Gateway Property & Casualty, we often recommend that most businesses in Dover, NH with employees consider EPLI.

Crime Coverage: Shielding from Theft and Fraud

Typically, crime coverage protects businesses from losses due to theft, fraud, forgery, or burglary committed by employees or third parties. Regular coverages often exclude employee theft. Since the risk of financial crime is a reality that can affect any business, crime coverage ensures that companies can recover from covered losses stemming from such incidents.

Cyber Liability Insurance: Safeguard in the Digital Sphere

As businesses increasingly move their operations to digital platforms, the threat of cyber-attacks and data breaches rises. Cyber liability insurance generally covers the costs stemming from data breaches, including notification expenses, credit monitoring services, and legal fees.

Selecting the Right Commercial Insurance Coverages for Your Business

At Gateway Property & Casualty, we understand that navigating through commercial insurance coverages can seem complex. But we’re here to help. If you own or run a business in Dover, NH, contact our agents today to find the commercial insurance right for your specific business needs.

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