Londonderry, NH Home Insurance

By Jon Merwin, Founder and CEO

Home · Condo · Flood · Auto · Umbrella · New Hampshire

Portsmouth Atlantic Insurance is an independent agency founded in 2005 and licensed in 10 states. We are the most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews and over 2,000 testimonials across our two offices. We shop each Londonderry home across 40+ carriers. Start with New Hampshire homeowners insurance, or read on.

Londonderry at a glance

The town’s 2025 Hazard Mitigation Plan puts Londonderry’s population at 26,266, the third largest in the Southern New Hampshire region. It borders Manchester to the north, Derry and Windham to the east, Hudson to the south and Litchfield to the west. The plan describes a town that was originally rural and agricultural and grew sharply in the 1980s into the suburb it is today, with low-density neighborhoods, retail and a strong office and industrial base around Manchester-Boston Regional Airport. Almost 80% of residents commute out of town for work. The Conservation Commission counts preserving the town’s orchards and open space among its jobs.

For most Londonderry owners, that means the policy decisions are about rebuild cost, the roof, water damage inside the house, and liability, more than flood.

Where you live in Londonderry changes the policy

• Brookview Drive. The plan describes years of road and basement flooding for homes in the special flood hazard area, with evacuations and recurring damage since the 1970s. It says a study was completed, flood-prone homes were mitigated as needed, and the area still needs monitoring.
• Beaver Brook and Kendall Pond. Beaver Brook, the town’s major watercourse, enters southeastern Londonderry, flows into Kendall Pond and forms the line with Windham. The plan notes Gilcreast Road at Beaver Brook has closed during historic storms or because of beaver dams, and that the Kendall Pond dam on South Road saw high water in past storms.
• Route 102 crossings. Parmenter Road and High Range Road at Route 102 both flood because of inadequate culverts, according to the plan, which lists both as remaining problems.
• Routes 28 and 128. Water has run over Route 28 at its intersection with Route 128 in high-water events. The plan says NHDOT made minor improvements.
• Ponds and swamps. The plan lists Scobie Pond and Wheeler Pond on the eastern town line, Kendall Pond, and Musquash Swamp. If your lot borders water or wetland, check its flood zone before you assume you are clear.

Flood coverage in Londonderry

The plan reports 30 paid NFIP flood losses in Londonderry since 1978, totaling $407,693. As of May 2021 there were five repetitive-loss properties, all single-family homes. Only three of the five had federal flood insurance. Londonderry has been in the NFIP since 1980, and its flood maps took effect May 17, 2005.

A homeowners policy will not pay for a brook over its banks or surface water. Flood is its own policy. Lenders require flood insurance for federally backed mortgages in a special flood hazard area, but a home outside the mapped zone can still flood in a heavy storm. The plan notes the fire department pumped out flooded basements after the heavy rains of a past storm. Check your address on the FEMA Flood Map Service Center.

• NFIP through Selective. We write National Flood Insurance Program policies through Selective, a Write Your Own carrier. The NFIP covers up to $250,000 for the building and $100,000 for contents. New policies generally have a 30-day waiting period (see FloodSmart), so buy before storm season, not during it.
• Private flood. When a home costs more than the NFIP building limit to rebuild, or you want coverage the NFIP leaves out, we compare Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. Each one decides address by address.
• Elevation certificates. If you have one, send it. If the house has been raised or has flood vents, it can make a real difference in how flood carriers rate it.

See our flood insurance overview. Water backup (sewer, drain or sump pump failure) is an add-on to homeowners; flood is separate. If your basement is finished, ask about both. See basement flooding coverage and our flood insurance overview.

Ice, wind and power outages

The plan rates ice storms as a high probability in Londonderry. It calls the December 2008 ice storm the worst ever recorded in New Hampshire and says Londonderry homes and businesses were without power for several days, with nearly all of the damage to utility lines and poles. It also notes icing in the November 2014 Thanksgiving storm. Homeowners policies generally cover a tree that falls on the house; ask us how your policy handles tree removal, food spoilage and damage from a long outage.

Winter, trees and wind in Londonderry

New Hampshire winters bring ice dams, frozen pipes and heavy snow loads, and storms bring down trees and limbs. These are generally homeowners claims, subject to your deductible and policy terms. A properly sized wind and all-perils deductible, and a roof in good shape, do more for most homeowners than any single add-on. Water damage from a burst pipe is usually covered when the home is heated and occupied; long vacancies can change that, so tell us if the house will sit empty.

Larger homes

Under about $2 million, most of our 40+ carriers are in play. In New Hampshire, Andover generally writes up to about $1.5 million, or closer to $1 million for homes far from a hydrant or fire station. Around $2 million to $3 million, Hanover is often a fit; above $3 million, Cincinnati; and at $5 million and up, Chubb. Each carrier underwrites the specific house, so these are starting points, not promises.

See high-value home insurance in New Hampshire.

Condos and rentals

If you own a condo or townhouse, your HO-6 policy covers what the association’s master policy does not: usually your interior, improvements, belongings, liability and loss assessments. Get the master policy and deductible before you set coverage. If you rent out a home or a unit, you need a dwelling or landlord policy, and we don’t charge fees on those either.

Renters and tenants in Londonderry

If you rent in Londonderry, your landlord’s policy covers the building, not your belongings or your liability. A renters policy covers both, plus extra living costs after a covered loss. We shop renters coverage across our carriers, and Progressive Home is one of them; we use Progressive Home for renters policies only. Landlords who own two- to four-family buildings can see landlord insurance.

Auto, umbrella and the rest of the household

Most Londonderry households also need auto insurance, and many add a personal umbrella. We quote them with the home so the liability limits line up, and we put rentals, second homes, boats and valuables under the same review. One agent, one renewal conversation.

Common coverage gaps we see in Londonderry

• A dwelling limit based on the purchase price or assessed value instead of the cost to rebuild
• No water backup coverage on a house with a finished basement
• Personal property limits that have not kept up with what the household actually owns
• Liability limits on the home and auto that do not line up with an umbrella, or no umbrella at all
• No ordinance or law coverage on an older home that would need code upgrades after a loss
• No flood policy on a home near Brookview Drive, Beaver Brook or a Route 102 crossing
• Dwelling coverage that hasn’t kept up with todaywhat it costs to rebuild a 1980s or 1990s colonial todayrsquo;s rebuild costs

Most of these are straightforward to fix once someone reads the declarations pages side by side, and that is the first thing we do in a review.

Before storm season in Londonderry

• Know your hurricane or named storm deductible in dollars, not just as a percentage
• Photograph or video each room so a contents claim is easier to document
• Keep your declarations pages, flood policy and any elevation certificate somewhere you can reach from your phone
• If you are thinking about flood coverage, buy it well ahead of a storm because of the waiting period
• Have a plan for a multi-day power outage in an ice storm, and keep the sump pump on a backup if you have a finished basement

Buying a home in Londonderry

Start the insurance conversation before you are under contract, not the week of closing. Send us the listing and the inspection report when you have it. The report answers most of what carriers ask: roof age, electrical panel, heating, plumbing and any water in the basement. Near a brook or pond, ask for any elevation certificate and the seller’s flood policy, and ask whether the basement has ever taken on water. We line up the homeowners binder, and a flood binder if you need one, so both are ready for your lender.

How a Londonderry home quote works

• Tell us about the house: address, year built, square footage, roof age and updates to wiring, plumbing and heating.
• Send your current declarations page so we can compare like for like and point out limits that look short.
• We shop the carriers that fit and lay the options out side by side, with the differences in coverage, deductibles and storm terms, not just price.
• You choose, and we handle the switch, including your mortgage company and the effective date, so there is no gap.

Serving Londonderry from Portsmouth

Our office is at 601 Islington St, Unit 206, Portsmouth, NH 03801, and we work with Londonderry clients by phone, email and online. Call (603) 431-4020. Nearby, see our Manchester, Bedford, Auburn and Windham pages.

Sources

• Town of Londonderry, Hazard Mitigation Plan Update 2025 (adopted May 19, 2025)
• Town of Londonderry, Conservation Commission
• FEMA Flood Map Service Center
• FloodSmart, buying a flood policy

Get a quote

Tell us about the property and we will compare carriers and follow up with options. Prefer to talk? Call (603) 431-4020.

Frequently asked questions

Do you insure homes in Londonderry, NH?

Yes. We insure Londonderry homes from our Portsmouth office at 601 Islington St, and by phone, email and online. Call (603) 431-4020.

Does Londonderry flood?

In some spots. The town’s 2025 hazard mitigation plan lists Brookview Drive, Gilcreast Road at Beaver Brook, Parmenter Road and High Range Road at Route 102, and Route 28 at Route 128 among its recurring flood areas, and reports 30 paid NFIP flood losses since 1978. Check your address on the FEMA Flood Map Service Center.

Does homeowners insurance cover a flooded basement?

Not from flood. Water backup from sewers, drains or a sump pump is an add-on, and rising or surface water needs a flood policy.

Who writes your NFIP flood policies?

We write NFIP policies through Selective, and we compare private flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge.

Do you charge fees?

No. We don’t charge fees on any policy we write, including homeowners, condo, renters, landlord, dwelling and auto.