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The Washwick Agency

2212 Main St
Bethlehem, NH 03574

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860 East Main Street
Riverhead, NY 11901

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Life insurance FAQs

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Life insurance is something that most people have questions about. It is not the most well-known insurance. At The Washwick Agency in Bethlehem, NH, we want our customers to have as much information as possible when they are making decisions about their insurance. That means we will be happy to answer any questions you have about life insurance. 

Life insurance FAQs

Can my life insurance be canceled?

Yes, it can, and the most common reason is non-payment of the premium. If you are in financial difficulties, it is important to call your carrier and see if there is any way they will work with you. The other reason your policy may be canceled is that you lied on your application. You are required to answer the questions truthfully, and if it is discovered that you haven’t, it could mean your family won’t receive the death benefit if you pass away. 

What is term life insurance?

Term life insurance is life insurance that only has a death benefit, it doesn’t have cash value, and has a term that it lasts for, usually 20 years. At the end of the term, the policy is done. The carrier may offer to continue it, but it won’t be at the same rate as it was when you purchased it. 

When is the best time to buy life insurance?

Life insurance is at its least expensive when you are young and in good health. But, with term insurance, you should buy it at the time when you need it so that it will cover you for the complete time you need it, such as while your children are growing up. 

Schedule A Consultation Today!

You can contact The Washwick Agency in Bethlehem, NH when you need to discuss what your life insurance needs are. Give our office a call or stop by to talk to our experienced independent insurance agents. 

Four things you shouldn’t assume about Medicare insurance

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Consumers in Bethlehem, NH can get Medicare insurance from us at The Washwick Agency. If you will soon get Medicare insurance, you need to be well informed about how it works and what it covers.

The following are four things you shouldn’t assume about Medicare insurance:

You don’t have to pay anything for Medicare Part B. 

Although Medicare Part A is available for no premium for most Americans, consumers need to pay premiums for Medicare Part B. Consumers may also need to pay deductibles, coinsurance, and copay costs for Medicare Part B. 

You can’t get prescription drugs covered with Medicare insurance. 

Getting the prescription drugs you need is important for staying healthy. Fortunately, you can get prescription drug coverage with Medicare if you get Part D coverage. 

You automatically get Medicare coverage when you turn 65. 

Don’t make the mistake of thinking that you don’t have to do anything to get the coverage you need when you turn 65.

While Americans become eligible for Medicare coverage when they turn 65, you won’t become covered by Medicare until you sign up and choose what types of coverage you want included on your policy.  

Everyone pays the same amount for Medicare insurance coverage.

The amount you pay for Medicare will be impacted by a variety of factors. Medicare costs depend on what financial assistance you qualify for and what types of coverage you have included on your policy. Medicare, therefore, doesn’t cost the same for all Americans who rely on it for their health insurance. 

Reach Out To Us

Get a policy quote by calling The Washwick Agency today. We are an insurance provider that consumers in Bethlehem, NH can come to for the Medicare insurance that they need. 

How Much Insurance Coverage Does Your RV Need?

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RV travel has become a popular option in the U.S., with a broad range of amenities that make the freedom and privacy of this mode of transportation preferable over others. However, your RV needs insurance just like your other vehicles, and you may be unfamiliar with what is covered under these policies. At The Washwick Agency in Bethlehem, NH, we can answer your questions about the right RV insurance for your vehicle.

What RV Coverage Is Mandatory?

RV insurance is similar to auto insurance policies in that each state may set its own requirements on how much liability coverage you must have. Because RVs are often quite large, they can cause significant damage to other vehicles and property in an accident. You may wish to have more liability coverage than your state requires in case you are ever sued for damages caused by your RV.

What Other Coverage Options Are Available?

Collision coverage will help defray the costs of repair to your vehicle in case of an accident. Similarly, comprehensive coverage protects you from the expenses from damaging events that may not be covered under your standard policy. Coverage for uninsured drivers is another coverage option that can help to save you money in case of an accident. You may want roadside assistance coverage or additional coverage for expensive electronics that are kept in your RV. Your agent can help you choose the coverage that best suits your needs.

Choose Us For Your RV Insurance

If this is your first RV, you may have many questions about how much insurance you need and whether you need special types of coverage. We can provide detailed answers from experienced insurance professionals. Contact The Washwick Agency in Bethlehem, NH today for a no-obligation quote on RV insurance to protect you as you enjoy your RV travel.

Cause of Motorcycle Accidents and Safety Tips

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There are many different causes of motorcycle accidents in Bethlehem, NH. Damage to your bike and injuries to yourself and others cost money. The Washwick Agency offers motorcycle insurance that covers collision and comprehensive policies that pay for repairs or replacement of your bike.

We have coverage for medical expenses when you collide with an uninsured driver or underinsured driver. Our motorcycle insurance offers roadside assistance and custom part assistance. In New Hampshire, motorcycle insurance is required to register your bike. Give us a call to learn more.

Cause of Motorcycle Accidents In New Hampshire 

Four-way traffic stops and left turns have proved to be one of the biggest causes of motorcycle accidents. Distracted drivers on cell phones, talking to other passengers, and using entertainment features will cause you to have accidents. Larger vehicles coming into your lane or merging often cause accidents.

Accidents are caused by harsh weather, obstructions in the road, oil spills, lane splitting, speeding, drug and alcohol, and mechanical problems with the bike. These are the major causes of motorcycle accidents that can happen when you are driving.  

Safety Tips For Motorcycle Drivers 

New Hampshire DMV offers a Motorcycle Training Program at nine locations throughout the state. It runs from April to October. They have a basic, intermediate, and experienced rider course. Students should be 18 years and older to take the course. They will teach you safe driving techniques and all the rules of the road. Those that pass the course will get a motorcycle endorsement on their driver’s license. 

Check your bike before going for a ride. Be sure your tires have enough air; your brakes are working, and the oil and fluids in the bike are full. Wear protective gear to protect yourself from a fall or accident. A helmet can spare you a concussion if an accident occurs. Long pants and shirts protect you from cuts and scrapes on your body.

 Learn how to ride your motorcycle and manage it. Practice will make your ride enjoyable and safe. Planning is the key to accident prevention. Pay attention to the road and drive defensively, watching other vehicles. 

Never take unnecessary risks like speeding, lane splitting, weaving in and out of traffic, and leave space between you and other vehicles. Do not go through red lights and stop signs. Respect the rules of the road.

Reach Out To Us!

Call us at The Washwick Agency in Bethlehem, NH to learn more about our motorcycle insurance policies and the right one for you. 

What You Need to Know About Boat Insurance in New Hampshire

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Navigating the waters of boat insurance can be as challenging as charting a course through the ocean. With the right guidance and information, though, you can ensure smooth sailing. Here we explore the key aspects of boat insurance and highlight the services of The Washwick Agency in Bethlehem, NH to help you make informed decisions about your coverage needs.

About Boat Insurance 

In the picturesque state of New Hampshire, boating is a popular pastime for many. Whether you’re cruising the lakes or sailing along the seacoast, it’s essential to have the right insurance coverage for your vessel. In Bethlehem, NH, The Washwick Agency is a trusted name in providing customized insurance solutions for boat owners.

Boat insurance in New Hampshire typically includes two primary types of coverage: liability coverage and physical damage coverage. Liability coverage protects you in case you cause an accident, while physical damage coverage provides protection for your boat in case of damage or theft. It’s crucial to understand the extent of coverage you need, considering factors such as the size and value of your boat, the waters you navigate, and the type of activities you engage in.

One key aspect of boat insurance is that it’s not mandatory by law. However, considering the risks involved in boating, it’s highly recommended that you have adequate coverage in place. Additionally, if you’ve financed your boat, the lending institution may require you to carry insurance.

To ensure you have the right coverage, consult with an experienced agency like ours at The Washwick Agency. With our expertise and commitment to personalized service, we can help you find the perfect policy for your unique needs.

Boat insurance is essential for protecting yourself, your passengers, and your investment. By partnering with a reputable agency like ours, you can rest assured that your boat insurance policy will be tailored to your specific requirements, providing you with peace of mind as you set sail on the open waters. Don’t let insurance worries weigh anchor on your boating adventures – contact The Washwick Agency today for a seamless and secure experience.

What is umbrella insurance and why do I need it?

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If you are confused about umbrella insurance, you have plenty of company. Many people would be unable to explain exactly what this type of protection is all about. At The Washwick Agency, serving the Bethlehem, NH community, we take our responsibility to our customers seriously and will make an effort to make sure we answer your questions and provide the support you need. 

Why Umbrella Insurance?

Think of umbrella insurance as an umbrella. You are your assets, and the rain is all the hazards that face you every day. This insurance is excess liability coverage, and it protects your assets from all the bad things that can happen. Umbrella coverage is not a stand-alone policy. In order to purchase it, you must already have a policy with liability coverage. What this will do is add another layer of protection. 

Policies with liability coverage are home insurance, auto insurance, boat insurance, condo insurance, motorcycle insurance, and renters insurance. Liability insurance protects you from someone being injured on your property or by your property, having serious injuries, and suing you. If the judgment goes against you, you will need to get representation, which can be expensive, and you will have to pay the judgment. Again, this can be expensive. 

You work hard to accumulate the assets that you have, and the thought of losing them to an accident is hard to imagine. That is why you need umbrella insurance. After your primary policy pays up to its limit, the umbrella will kick in and most of them start at around a million dollars, which gives you quite a lot of protection. 

Contact Us Today

Give our office a call or stop by our offices at The Washwick Agency in Bethlehem, NH to get information or a no-obligation quote. 

Questions to ask before choosing a health insurance policy

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Health insurance makes staying healthy much easier. If you have a good health insurance policy, you won’t be afraid to go to the doctor and end up with a huge bill you can’t pay. At The Washwick Agency in Bethleham, NH, we take our responsibility to provide our customers with the advice they need seriously. We are an independent insurance agency, and we work for our customers. 

Picking the right health insurance policy is important and difficult.

These are some questions to ask to ensure you get the coverage you need:

Is my doctor in the network?

If you have a doctor whose services you don’t want to lose, it is important that you make sure that they are in the network of the carrier you choose. Not every doctor is in every network. 

What type of managed care is the policy?

Managed care comes in three basic types: HMO, PPO, and POS. HMO is the most restricted, it requires that you have a primary care physician, and you need to visit healthcare professionals within the network. PPO plans are less expensive for service when you choose within the network, but they will pay partially outside the network. POS is a combination of HMO and POS. 

Does the policy include prescription coverage?

If you take prescription medication, it is important to know if it is covered by insurance and what the copay is. Every carrier has a formulary of drugs listed in tiers. 

What is the yearly deductible?

The deductible is the amount you are required to pay out of pocket before the health insurance starts to pay for their part.  A high deductible is less costly but requires more out-of-pocket.  

Give Us A Call

Contact The Washwick Agency in Bethleham, NH when you are looking for health insurance advice. We will be glad to help. 

Two Main Types of Life Insurance

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When you need to make sure that your loved ones are taken care of after you’re gone, it’s time to get life insurance. You may have no policy at all and need to have one in place, or you may already have a policy and want another one. In either case, it’s a responsible choice to have a life insurance policy.

When you need a policy, give us a call at The Washwick Agency in Bethlehem, NH to learn more. 

Two Main Types of Life Insurance

Term Life

A term life policy is one of the main types of life insurance. It is a popular insurance product because it tends to be far more affordable than the other main type. The low price makes it highly attractive to those who have a strict budget and need to stay within it. Term life insurance does have a drawback, however. It is only good for a specific term. That means that the policy is written to be in effect for a specific number of years. During those years, you’re covered. After they have passed, the policy is no longer good, and you have to apply for another policy to stay covered. 

Whole Life

Whole life insurance works very differently from term life. It doesn’t have a term of time that it’s good for. It can stay in place for as many years as you want it. In fact, if you continue to pay for the policy, the company can’t cancel it. This type of insurance also accrues a cash value. Policyholders can then borrow this amount if it is needed. Many customers love this aspect of these policies. 

Get Your Life Insurance

If you need more life insurance, we’re here to help. Call us at The Washwick Agency in Bethlehem, NH to get started with a policy of your own. 

     

Safe driving tips for new drivers

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Our team of insurance experts at The Washwick Agency has been serving the Bethlehem, NH area residents with all their insurance needs, including auto insurance coverage. We are often asked for safety tips to maximize protection while driving. As a new driver, it can be difficult to find the right balance between caution and confidence on the road. There are many things that you can do to improve your driving skills and stay safe on the roads.

Here are some tips for staying safe as a new driver:

1. Always wear your seatbelt

This is one of the most important safety rules for new drivers, as wearing a seatbelt is an essential way to protect yourself in case of an accident. Make sure that everyone traveling with you is also wearing their seatbelt at all times when you are driving.

2. Plan ahead

One of the best ways to avoid dangerous situations while driving is to plan ahead and leave plenty of space between your vehicle and other cars. This can help to reduce your risk of being in a collision, and also gives you more time to react if something unexpected happens on the road.

3. Be aware

As a new driver, it is important always to be aware of what is going on around you while you are behind the wheel. Make sure that you are keeping an eye out for other drivers and pedestrians at all times, and always use caution when approaching intersections or making turns.

4. Learn from others

If you have friends or family members who have more experience driving than you do, take advantage of this by asking them for advice and tips on improving your driving skills. This can be a great way to pick up useful information that will help keep you and your passengers safe.

Get Auto Insurance Today

For more safe driving tips, give us at The Washwick Agency a call today. Make sure to add or update your auto insurance policy to get the best coverage for your needs. We proudly serve the Bethlehem, NH area. 

Choose the Right Insurance for your New Jersey Small Business

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After hours, weeks, and months of hard work — you’ve finally started the small business you always dreamed about. Embracing that entrepreneurial spirit hasn’t been easy, so the next step is protecting your business and doing it the right way. The Washwick Agency serving Bethlehem, NH knows exactly what it takes to get a business off the ground, and has some guidance on how to choose the right insurance for your needs. 

Commercial Coverage Basics

General liability insurance

The "everything and anything" of loss prevention, this policy can protect your business from financial losses across a range of occurrences from physical injury to libel.

Product liability insurance

If you sell products, this insurance can protect you from losses related to product failures or defects and consumer damage.

Professional liability insurance

For those providing professional services, this insurance helps protect against loss from mistakes or negligence on the part of your small business.

Commercial property insurance

If you have commercial space that could be at risk, this insurance will help with damage related to natural events like hail or fires or person-related events such as protests and vandalism.

Home-based business insurance

For those operating out of their home, consider this an add-on policy to your current homeowner’s insurance. It will act as an additional policy to protect against damage or injury in business-related ventures at the property.

Get The Right Coverage Today

Insurance agents can also help you obtain policies that bundle or cover multiple aspects of your small business. The Washwick Agency serving Bethlehem, NH is ready to help you protect your business today. Give us a call!

Our Services

Servicing States

We have expanded our services into multiple states! Don’t see your state listed, reach out anyway!

  • New Hampshire
  • Maine
  • Vermont
  • New York (Long Island, NYC)
  • Florida
  • South Carolina
  • Texas
  • Maryland
  • Connecticut

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