Insurance Agent & Insurance Agency in Portsmouth, NH

Looking for an insurance agent in Portsmouth, NH? Portsmouth Atlantic Insurance is an independent insurance agency at 601 Islington St, Unit 206, and since 2005 our licensed agents have compared home, condo, car and auto, renters, flood, umbrella and motorcycle insurance from 40+ carriers for Portsmouth families. We don’t charge fees of any kind.

Most Portsmouth houses are older than they look from the street, many sit within reach of the Piscataqua or the South Mill Pond, and rebuild costs have climbed, so we usually start by setting home coverage around the real cost to rebuild and sorting out flood. Start with our Portsmouth, NH homeowners insurance guide.

We’re the most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews across our two offices, and clients have shared over 2,000 testimonials with us. We have two offices, here in Portsmouth and in Stratford, CT. The agency is licensed in 10 states: New Hampshire, Maine, Massachusetts, Vermont, Rhode Island, Connecticut, New York, Florida, Illinois and Ohio.

Our Portsmouth, NH Insurance Agency Office

Most quotes and policy reviews happen by phone and email, so you don’t have to come in. If you’d rather sit down in person, call ahead and we’ll set up a time.

Your Local Insurance Agent in Portsmouth, NH

Working with a local insurance agent means one person looks at the whole picture: the house, the cars, the apartment your kid rents, the boat at the dock. We ask how you live and drive, then put what our carriers offer side by side. You get a plain explanation of the differences in coverage, deductibles and price, and you make the call.

• Founded in 2005
• 40+ carriers
• Licensed in 10 states
• No fees of any kind
• 1,000+ Google reviews across our two offices (read client reviews)
• Over 2,000 client testimonials

Insurance Coverage Your Portsmouth, NH Insurance Agent Can Compare

Each type of coverage below has its own page with more detail. Here’s how we usually help Portsmouth clients with each one. You can also see the carriers we work with.

Home, condo and condex insurance

Homes come first for most of our Portsmouth clients. Older South End and Christian Shore houses cost more to rebuild with similar materials than their sale price suggests, so we set the dwelling limit from a replacement-cost estimate. Our Portsmouth, NH homeowners insurance guide covers the details. If a neighbor’s tree, pipe or fence damages your home, here’s how to find out who your neighbor’s homeowners insurance is. Condo owners need a policy that lines up with the association’s master policy; see the New Hampshire condo insurance guide and condex insurance. Outside the city, see homeowners insurance in New Hampshire.

Car and auto insurance

Seacoast driving means Route 1 and I-95 traffic, summer visitors, deer on back roads and a few months of snow and ice. We compare car insurance in Portsmouth, NH from 40+ carriers and look at liability limits, collision and comprehensive deductibles, uninsured motorist coverage and medical payments, not just the price. Our guide Does New Hampshire Require Car Insurance? explains the rules, and our auto insurance coverage page covers the main options.

Renters insurance

If you rent an apartment downtown or a unit in a converted house, your landlord’s policy covers the building, not your things. Our coverage for renters insurance in Portsmouth NH protects your belongings, your liability if a guest is hurt or you accidentally damage a neighbor’s unit, and extra living costs if a covered loss forces you out for a while. Many leases require it, and it’s easy to pair with your car insurance; see our post on bundling auto and renters insurance.

Flood, umbrella and high-value home insurance

Standard homeowners and renters policies don’t cover flood. If you’re near the harbor, the back channels or the marshes in Rye and New Castle, check your flood zone; our Seacoast NH flood insurance page walks through building and contents coverage. An umbrella insurance policy adds liability coverage above your home and auto limits, and it’s worth a look if you have a teen driver, a pool, a rental property or savings to protect. For larger or renovated homes, see high-value home insurance in Portsmouth, NH, where we compare carriers such as Chubb, Cincinnati and Hanover.

Motorcycle and boat insurance

Seacoast riding season is short, so it pays to get the bike right before it starts. We write motorcycle insurance in Portsmouth, NH for street bikes, cruisers and touring bikes, and boat insurance for boats on the Piscataqua and nearby harbors.

Small business and rental property insurance

If you own a rental unit, a multi-family building or a small business, we can help there too. See landlord insurance, our apartment building insurance guide, small condo association insurance and small business insurance in New Hampshire.

Why Choose an Independent Insurance Agency in Portsmouth, NH

A company that sells only its own policies can show you only its own options. As an independent agency, we can put several carriers next to each other and explain the tradeoffs. Here’s how it usually goes:

• We listen. Your home, vehicles, budget, closing date and any coastal concerns.
• We compare carriers. Side-by-side options from the 40+ carriers we work with.
• We explain the differences. Deductibles, liability limits, water and flood gaps, and the discounts you actually qualify for.
• You choose. There’s no pressure to move everything at once.
• We stay reachable. ID cards, policy changes, renewals and questions after you buy.

Expert tip
“Bring your declarations pages to the conversation, not just your renewal bill. A lot of what I find in Portsmouth isn’t about price. It’s a flood exclusion nobody explained, a dwelling limit that never caught up with what it costs to rebuild an older home, or liability limits that stopped fitting the family years ago. A good local agent should find those gaps before a claim does.”— Jon Merwin, Founder and CEO, Portsmouth Atlantic Insurance

Meet the Portsmouth Atlantic Team

Our licensed insurance agents and service team work with Seacoast families every day, led by Jon Merwin, Founder and CEO. The same team that quotes your policy handles your changes, renewals and questions later. Here are the people you’ll work with; read more about each of them on our team page.

• 
  Jon Merwin
  Founder and CEO
• 
  Cathy Merwin
  Client Service Specialist
• 
  Brian Merwin
  Insurance Consultant
• 
  Kayla Cavanaugh
  Insurance Consultant
• 
  Natalie Carbonaro
  Insurance Consultant
• 
  Rebecca Schweisthal
  Account Manager
• 
  Ashley Mendolusky
  Account Manager
• 
  Kaleigh Johnson
  Business Development Manager
• 
  Justin Hartleib
  Customer Service Manager
• 
  Dyan Martinez
  Customer Service Representative
• 
  Lynne Searles
  Customer Service Lead
• 
  Mike Chung
  Customer Service Representative
• 
  Lorena Chung
  Customer Service Representative
• 
  Kin Mondejar
  Customer Service Representative
• 
  James Klien Caluyong
  Customer Service Representative

Towns We Serve Near Portsmouth, NH

From our Islington Street office we insure homes, cars and families across the New Hampshire Seacoast, including Rye, New Castle, Hampton, Greenland, Stratham, Exeter and Dover, along with Newington, North Hampton and Durham.

Just across the Piscataqua, we insure homes and cars in Kittery, Maine and York, Maine, and our Maine homeowners and second-home insurance page covers camps and seasonal homes. Because we’re licensed in 10 states, we can often cover a rental in Massachusetts or a student’s car in another state through the same office. For the rest of the state, see our New Hampshire insurance agency page.

Also Serving Greenland, NH

Greenland is just down the road from our Islington Street office, and we insure homes and cars there regularly. Some Greenland properties sit near Great Bay and its tidal rivers, so it’s worth checking the flood map for your address; homeowners insurance doesn’t cover flood, which takes a separate policy. Greenland mixes older farmhouses with newer subdivisions, and older homes may need heating, wiring, or roof updates before some carriers will write them. Wind-driven rain from coastal storms is hard on roofs, so keep your roof-age records handy when you request a quote.

Portsmouth Neighborhoods We Insure

Within the city, our agents regularly insure homes, condos, apartments and vehicles in downtown and Market Square, the South End, the West End along Islington Street, the North End, Atlantic Heights, Pannaway Manor, Elwyn Park and the Pease Tradeport area. Older downtown and South End homes raise rebuild-cost and water questions, low-lying streets near the Piscataqua River and South Mill Pond raise flood questions, and multi-unit buildings raise renters and condo coverage questions. We look at each one by address.

Moving here? Our Moving to New Hampshire Guide covers what to sort out before you arrive, and we’ll quote coverage for your new address.

Insurance Agent and Agency FAQs: Portsmouth, NH

By Jon Merwin, Founder and CEO.