HarborSide Insurance Center, where "It's All About You" - Home, Auto, Farm, Business, Group & Individual, Health, Life, & more!

All Your Insurance Needs

• Home Insurance
• Auto Insurance
• Mini Farm Insurance
• Business Insurance
• Group Benefits
• Individual Benefits
• Health Insurance
• Group LIfe Insurance
• Disability Insurance
• Dental Insurance
• and more!

Services

• Benefits Strategies
• Insurance Planning
• Consulting

About HarborSide Insurance AND What We Can Do For YOU!

Today may be different come tomorrow in regard to your personal protection plan. Not only that; your life is constantly making changes that may strongly impact your decision-making process and how you go forward with your planning. Without the proper questions being raised and personalized, thoughtful care for your asset protection with the use of various insurance vehicles and products, you may think that you are protected; but you may not be. Just because you pay your bill on time, does not guarantee you a coverage you “assumed” you had. Know your policies! And let your broker know you!

Whether you are a business, or a house full of family, an empty nester, or living alone; you have the rights to do the most accurate and impact planning possible. What is your biggest investment? Why wouldn’t you take that time to just make sure that everything is okay.

Our services are here to help round out all the planning that you have already done right and simply want to protect. HARBORSIDE INSURANCE CENTER will do what we are best at and make it ALL ABOUT YOU.

To learn more about who we are and how HarborSide and help you, please email us at: Info@HarborSideInsuranceNH.com

Group & Individual Benefits and Strategies including HEALTH, INCLUDING HEALTH SAVINGS PLANS (H.S.A’s) and Health Reimbursement Accounts (H.R.A’s) DISABLITY-DENTAL- and more!

Whether it is group benefits, individual health plans, disability coverage, we can talk to you about your world and what is most important you, your family, your business, your employees…your world. Protecting all you work for -what you love and want to share with your loved ones may not seem like an easy task. Insurance plans and products these days can certainly seem tedious and confusing. Not only are our own lives a moving target, but these insurance plans are too.

It is important that you speak with a qualified individual that is licensed with more than one company and can make decisions to put you or your employees into a plan or plans that is custom designed just for you!

Do you have disability protection? What is the difference between a company plan and an individual “ portable” plan, and how can the cost difference be justified? Visit with HarborSide Insurance Center and let them show you why it’s all about you! With our thoughtful and precise planning, we are able to assist you with what is important to you now and moving forward as your needs and feelings change.

So many thoughts and questions like these that although may not be a burning desire to learn about can make an impact difference in your future.

Keeping in mind the delicate balances of decision making such as would an H.S.A (health savings account) plan work better for you than another type of plan? How would you determine which is the best plan? And why? Understanding the pros and cons of plans allows you to make the best decision for your world.

We can help you determine which is best for your family or business: a broad network of doctors and facilities with limited limitations?

Or an would an HMO be suitable for your needs?

Are you missing out on the Health Savings Account that you have heard about and has gotten so much attention? It may be worth learning about-

Or maybe you are the employer who wants to give benefits to your employees, but you feel you are being backed into a wall with such high premiums. Maybe you would feel better if you learned about a Health Reimbursement Plan and how it would benefit you AND your employees.

*******PERSONAL CHOICES

Many are not right or wrong. It is up to you to make the decisions for how you allocate your earnings in your insurance planning. First, don’t you want to know what your choices are? Remember, It’s all about you-

We work with many quality companies as well as plan administrators to suit the needs of your planning objectives. Just as important, we put you where you belong- in a plan of protection that has the provisions and plans that you are valuable to you.

A list of some companies we represent:

We are here help put the pieces together for you. Just give us the time of day at the HarborSide Insurance Center and we can give you the peace-of-mind.

Remember, it’s all about you!

To learn more about your possible choices for health insurance planning for groups or individuals or to request a consultation or a quote, please email: Info@HarborSideInsuranceNH.com

Personal Protection/home auto, dwelling fire, boat, farm, mini-farm, umbrella

When was the last time you reviewed your protection for your home, your vehicles, your boat, that second home you escape to?

If you simply “renew” your policies year after year, you may be unaware of changes that take place without your knowledge of it.

When was the last time you reviewed your coverage and

Updated any “scheduled” items?

Had a “cost estimator” done to review the current replacement values of your home or building? Did you know that if you have “replacement cost” and you are not insured for the appropriate amount for replacement; you may not be eligible for “replacement cost” if there was a loss.

Have you checked to see if your limits of liability appropriately safeguard you from any asset attachment? Are your assets worth more than what you have for liability protection?

Do you have your valuables appraised to make sure they are adequately covered?

Do you have animals such as horses, llamas, goats, etc…that you just don’t know how to protect them, but you don’t belong on a “farm policy? Maybe the Mini-farm is the perfect affordable answer with the coverage that you are looking for!

Have you reviewed your deductibles to determine if yours is adequate and cost effective? Or, would you be better off putting that lower deductible savings into an account that would grow and create an emergency fund?

Have you thought about whether or not you may need an umbrella policy? And how would you know if you did?

Trusted Names we work with for your personal home, auto, farm and umbrella protection:

Co-Operative Insurance, UI insurance including The Hartford, Zurich Merchant, Concord Group * and Kemper AIG, Bristol West, Foremost, Farmers, Concord and more

Questions such as why should I have replacement cost instead of actual cash value… or even can I have replacement cost instead of actual cash value?

Do you have a small office in your house? Does your insurance company know if you do? And why would that matter?

Service and Reviews will allow you to have any of your gaps of coverage uncovered.

How would you feel if you paid for your insurance year after year responsibly and feeling as though at least you have piece of mind and you are covered for any disasters -only to find out that you were not covered for an incident that took place? And all it may have taken is a simple review with your broker to analyze what may be different now than when you originally took out the coverage? OR, what about paying for protection that you don’t even need now? Do you still have that small office? That artwork or jewelry you scheduled?

Do you have an emergency fund? Than why would you have a low deductible if your premium would be substantially lower?

Some of the trusted names we work with for your personal and group benefit strategies and planning:

ANTHEM, CIGNA, PATRIOT HEALTHCARE, HARVARD PILGRIM DELTA DENTAL, ASSURITY, PRINCIPAL, MVP and more!

PERSONAL CHOICES

Many are not right or wrong. It is up to you to make the decisions for how you allocate your earnings in your insurance planning. First, don’t you want to know what your choices are?

If you could save $500 a year in insurance costs, and put that money aside and it grew even at a conservative rate of 3, 4, % more or less per year for the next 20 years, would that money be better served growing for you? That is a personal choice and decision that you determine based on your feelings of risk, deductible, whether you have the funds to absorb a higher deductible policy.

We are not only talking about home and auto coverage here, we are also talking about your own healthcare. Would you like to get a percentage of your premium dollars back if you don’t get sick? Well, you may be able to do just that!

Do you have disability protection? What is the difference between a company plan and an individual “ portable” plan, and how can the cost difference be justified? Visit with HarborSide Insurance Center and let them show you why it’s all about you! With our thoughtful precise planning we are able to assist you with what is important to you now and moving forward as your needs and feelings change.

Come talk to us at the HarborSide Insurance Center and let us develop a plan that works for you today….and every day.

Remember, it is “all about you”.

See what we offer >>

Call me today! Tanya, Owner & Broker - 603-763-9121