The PAI ExperienceFour simple steps to the right coverage, and then a team that stays with you.
By Jon Merwin, Founder and CEO
When you work with Portsmouth Atlantic Insurance, you should know exactly what happens next. This page walks through the same one-page handout I send to every new client and prospect: four steps from our first conversation to your first day as a client, and the service you can count on after that.
We are an independent, family-owned agency founded in 2005. Because we are independent, we don’t work for one insurance company. We shop 40+ insurance companies for you, apply every discount you qualify for, and compare price and coverage to find the right fit. Our team of 15 is licensed in 10 states and works with clients across New England by phone, email and online.
If you would like a printable copy, you can download the PAI Experience handout (PDF).
The four steps
- Step 1
First Conversation
- Your expectations
- Our specialties
- Gather information
- Schedule follow-up
- Step 2
Quoting
- Shop 40+ insurance companies
- Apply all discounts
- Compare price and coverage to find the right fit
- Step 3
Second Conversation
- Deliver our commitment
- Answer questions
- Make decisions
- Next steps
- Step 4
Onboarding
- Billing and signatures
- Document delivery
- Prior policy cancellation
- Send binder
- Service dept introduction
After you’re a client: our service wheel
Policy Changes
Adding or removing vehicles and operators, and adjusting coverage as your life changes.
Billing
Help with payments, mortgage company requirements and coordinating billing across policies.
Claims
We educate you before a loss, help you file, and advocate for you with the insurance company.
Annual Review
Each year we evaluate your coverage, schedule a call and discuss what has changed.
Our Commitment
To educate our clients on all forms of risk and recommend insurance plans that offer superior protection.
Highly Rated
New Hampshire’s highest-rated agency on Google
Client Reviews
1,000+ Google reviews and over 2,000 testimonials
Our Location
Portsmouth, NH
Serving Connecticut
Request a quote. There’s no obligation to buy.Call (603) 431-4020 or email insure@portsmouthatlanticins.com
What happens in each step
1. First conversation. We start by listening. We learn your expectations, explain our specialties, gather the information we need to quote accurately, and schedule a follow-up.
2. Quoting. We shop 40+ insurance companies, apply all discounts, and compare price and coverage to find the right fit for your home, autos and everything else you want protected.
3. Second conversation. We deliver our commitment: a clear recommendation and the reasons behind it. We answer your questions, you make the decisions, and we agree on next steps.
4. Onboarding. We handle billing and signatures, document delivery and the cancellation of your prior policy, send the binder (your proof of coverage) where it needs to go, and introduce you to our service department.
From then on, our service team helps with policy changes, billing, claims and an annual review, so your coverage keeps up with your life.
Frequently asked questions
How long does quoting take?
About 90% of our quotes are completed within 24 hours of our first conversation, once we have the information we need. Situations with more moving parts, such as multiple homes or unusual properties, can take a little longer, and we will tell you up front.
What happens at the annual review?
Once a year we evaluate your policies, schedule a call with you, and discuss anything that has changed, such as a new driver, a renovation, a new vehicle or a big purchase. If it makes sense, we shop your coverage again.
How does PAI help with claims?
We help in three ways: we educate you before anything happens so you know what your policy covers, we help you file when you have a loss, and we advocate for you with the insurance company while the claim is open.
Do I have to switch my insurance to get a quote?
No. Request a quote. There’s no obligation to buy. If you decide to move your coverage to us, we handle onboarding, including timing the cancellation of your prior policy so you are not left without coverage.
What should I have ready for the first conversation?
Your current declarations pages are the most helpful. It also helps to have driver’s license numbers and dates of birth for everyone on the policy, vehicle VINs, basic details about your home (year built, square footage and the year the roof was last replaced) and a summary of any claims in the last five years. If you don’t have everything, that’s fine; we will help you find it.
Questions before you start? Call (603) 431-4020 or email insure@portsmouthatlanticins.com. Request a quote. There’s no obligation to buy.