Portsmouth Atlantic Insurance is an independent insurance agency in Portsmouth, NH. We’ve been open since 2005, and our office is at 601 Islington St, Unit 206. If you’re looking for an insurance agent in Portsmouth, NH who will compare car insurance, auto insurance, home insurance and renters insurance from 30+ carriers, rather than sell you one company’s policy, that’s the work we do every day.
We’re the most-reviewed independent insurance agency in New Hampshire, with 1,000+ Google reviews, and we’ve collected over 2,000 testimonials from clients. Our 15 employees work out of 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.
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.
We’re still here after the policy starts. Call us when you add a driver, renovate, buy a second home or open a renewal that went up, and we’ll take another look. If what you have still fits, we’ll tell you that too.
What our Portsmouth, NH insurance agents help with most:
- Car and auto insurance for New Hampshire drivers, including teen drivers and second vehicles
- Home insurance for single-family homes, older homes and condos
- Renters insurance for apartments and rented homes
- Flood insurance on the Seacoast
- Umbrella insurance for extra liability over your home and auto policies
- Boat insurance and other recreational coverage
- High-value homes that need more than a standard policy
Car Insurance and Auto Insurance in Portsmouth, NH
Seacoast driving means Route 1 and I-95 traffic, summer visitors, deer on back roads and a few months of snow and ice. Your auto insurance should fit how you actually drive. Our agents compare car insurance in Portsmouth, NH from 30+ carriers and look at liability limits, collision and comprehensive deductibles, uninsured motorist coverage and medical payments, not just the price.
New Hampshire works differently from most states. The law doesn’t require you to buy auto insurance, but you have to be able to pay for damage you cause, and a lender will require coverage on a financed car. If you do buy a policy, it has to meet minimum limits. Our guide Does New Hampshire Require Car Insurance? explains the rules, and our car and auto insurance page covers the main coverages.
Auto coverage we review with you
- Liability: pays for injuries and damage you cause to others, up to your limits.
- Collision: helps pay to repair or replace your vehicle after a covered accident.
- Comprehensive: covers non-collision losses such as theft, vandalism, falling branches and deer.
- Uninsured/underinsured motorist: protects you when the other driver has too little insurance or none.
- Extras: rental car reimbursement, roadside assistance and, with some carriers, new car replacement.
Adding a teenager, buying a new vehicle or seeing a jump at renewal are all good times to have us compare again. Our post on what car insurance costs in New England explains what drives the price.
Home Insurance in Portsmouth, NH
A lot of homes in Portsmouth are older, and rebuilding one with similar materials and local labor can cost more than people expect. We set coverage around the cost to rebuild, not the sale price, and we compare how carriers such as Chubb, Cincinnati and Hanover handle replacement cost on older homes. For homes with more to protect, we also work with high-value markets such as Andover.
A standard home insurance policy usually includes:
- Dwelling coverage for the structure itself against covered losses such as fire, wind and vandalism.
- Personal property for furniture, clothing, electronics and other belongings.
- Liability if someone is hurt on your property or you accidentally damage someone else’s.
- Additional living expenses if a covered loss makes the home unlivable for a while.
For more on New Hampshire policies, see homeowners insurance in New Hampshire, our homeowners insurance page and how much home insurance costs in New Hampshire. Many clients put home and auto with the same carrier, and a lot of carriers offer a discount when you do.
Flood insurance on the Seacoast
Standard homeowners policies don’t cover flood. If you’re near the harbor, the back channels, or the marshes in Rye and New Castle, it’s worth checking your flood zone and pricing a separate policy. Our Seacoast NH flood insurance page walks through building and contents coverage, and we can quote flood insurance for you.
Umbrella insurance
An umbrella policy adds liability coverage above your home and auto limits. It’s worth a look if you have a teen driver, a pool, a rental property or savings you want to protect.
Renters Insurance in Portsmouth, NH
If you rent an apartment downtown or a unit in a converted house, your landlord’s policy covers the building, not your things. Renters insurance in Portsmouth, NH covers your belongings, your personal 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.
Renters insurance is usually one of the simplest policies we write, and it’s easy to pair with your car insurance. Read more on our renters insurance page or in our post on bundling auto and renters insurance.
Why Choose an Independent Insurance Agency in Portsmouth, NH
A company that sells only its own policies can show you only its own prices. 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 30+ 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.
Plenty of people call us just for a second opinion. Asking for a quote doesn’t cancel or change your current policy.
Insurance in Portsmouth, NH and Seacoast Towns
We insure people in Portsmouth and the towns around it, including Rye, New Castle, Hampton, Greenland, Stratham, Exeter and Dover. Because we’re licensed in 10 states, we can often cover a camp in Maine, a rental in Massachusetts or a student’s car in another state through the same office. We also work with homeowners statewide; see our New Hampshire insurance agency page.
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.
Visit Our Portsmouth, NH Office
Portsmouth Atlantic Insurance
601 Islington St, Unit 206
Portsmouth, NH 03801
Phone: (603) 431-4020
Email: insure@portsmouthatlanticins.com
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. You can also request a quote online.
Portsmouth, NH Insurance FAQs
Where is Portsmouth Atlantic Insurance’s office in Portsmouth, NH?
Our New Hampshire office is at 601 Islington St, Unit 206, in Portsmouth. You can reach the team at (603) 431-4020 or insure@portsmouthatlanticins.com. Most quotes and policy reviews happen by phone and email, so you don’t have to come in, but if you’d rather sit down in person, call ahead and we’ll set up a time.
Can one insurance agent in Portsmouth, NH handle my car, home and renters insurance?
Yes. We compare car insurance, home insurance, renters insurance, flood and umbrella coverage from 30+ carriers, so you can keep everything with one agency and one contact, even if the policies are with different companies.
Do I need flood insurance for a home in Portsmouth, NH?
If the home is in a FEMA high-risk flood zone and you have a federally backed or federally regulated mortgage, your lender has to require it. Outside those zones it’s optional, but standard homeowners policies exclude flood. New coastal flood maps for Rockingham County took effect on January 29, 2021, so it’s worth checking your address even if you’ve owned the home for years.
Can a Portsmouth agency insure my second home in Maine or Massachusetts?
Yes. We’re licensed in 10 states, including Maine, Massachusetts, Vermont and Rhode Island, so we can often place your primary home and a camp, cottage or rental in another New England state through the same office. Keeping them together also makes it easier to line up your liability limits and add an umbrella policy over everything.
What should I have ready when I ask for a home or auto quote?
For a home, have the address, the year it was built, the age of the roof and any updates to heating, plumbing or electrical. For a car, have each driver’s license number and each vehicle’s VIN. Your current declarations pages help most, because they let us compare like for like.
How do you insure older homes in Portsmouth?
Many Portsmouth homes are older, and the cost to rebuild one with similar materials often has little to do with its sale price. We focus on the cost to rebuild rather than market value, and we compare how carriers such as Chubb, Cincinnati and Hanover handle replacement cost on older homes. Replacement cost coverage pays to repair without subtracting depreciation.
Reviewed by Jon Merwin