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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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Insurance Coverage For Navigational Aids

Do you rely on navigational aids while onboard your boat? If so, insuring them may prove beneficial. The additional protection offers financial relief if you need repairs or replacements.

Essentials For Your Boat

Identify the navigational aids that are important for your boating activities. Some equipment may help you navigate through water bodies, while others might support successful fishing or other outdoor activities.

The essentials that you rely on are the pieces of equipment you should consider insuring. Your standard boat insurance policy may not offer sufficient coverage for the navigational equipment that you own.

It is advisable to review your insurance documents. During this process, note your policy’s offered coverage and research the coverage types and terms included in your policy.

Equipment Check

Perform an equipment check to assess the condition of each navigational aid. During this process, note any parts that may need repair or replacement soon.

Typically, you would want to insure clean and damage-free equipment. An equipment check ensures that all navigational equipment is in operating condition.

Coverage Amounts

Determine the required insurance coverage amount for your navigational aids. It is recommended that you choose higher coverage for expensive equipment used frequently.

Agent Assistance

Contact one of our agents who represents The Washwick Agency. An agent serving Bethlehem, NH, will schedule a consultation to discuss your boat insurance policy with you.

Umbrella Insurance for Landlords

Do you own multiple rental properties as part of a larger investment portfolio?

If the answer to any of these questions is yes, you may need umbrella insurance. At The Washwick Agency, serving Bethlehem, NH, and customers in Maine, Vermont, Long Island, Florida, South Carolina, Texas, and Maryland, we can help you secure the umbrella insurance coverage you need.

What is umbrella insurance?

Umbrella coverage provides liability coverage over and above the limits of individual policies.

If you own rental property, you need liability coverage to protect you from losses due to accidents and injuries on your property. In many states we serve, landlords need protection from liability for the criminal acts their tenants commit. (The theory is you should have done a criminal background check before renting your property.)

Landlord liability insurance can also cover damages by tenants and loss of rental income. You can rent out your properties without any liability coverage at all—a potentially severe omission, in our opinion—or you can take out a standard liability rider of $100,000 to $500,000 for each insured property. But what happens if you are sued and your tenants win a multi-million dollar verdict?

It doesn’t happen very often, but it does happen. Depending on how you set up the ownership of your properties, a judgment against you for something that occurs at your rental property can wipe out your savings and other assets. And if you hold properties in your own name, all your assets are at risk.

Prevent financial catastrophe with umbrella coverage. Call us at The Washwick Agency, based in Bethlehem, NH, but serving eight states, and get the umbrella insurance you need.

Areas of Consideration When Picking a Health Insurance Plan

What are some of the things to be thinking about when shopping for a health insurance plan? Indeed, there is nothing more important than your health! This is why you must take your time and pay attention when shopping in the market. Our team at The Washwick Agency can help you understand your health insurance options so you can make an informed decision. Whether you live in Bethlehem, NH, or elsewhere, we are in a position to provide sound advice.

Coverage Types

What coverages do you need for your health insurance policy? Once you know what you want, you can decide what type of coverage you want in your health insurance policy. Health insurance policies will all be unique, offering various coverage types. Matching the coverages to what you will get value from is critical to your long-term gains from the policy.


You want to have a good understanding of what the deductibles will be in your health insurance policy. What is your out-of-pocket cost going to be when you go to use the policy, and what deductibles need to be met before the insurance coverage kicks in? These are good questions to ask to be sure you are in an excellent financial position to get the benefit.

Shopping for health insurance does not need to be a scary proposition. Our team at The Washwick Agency can walk you through your options and help you understand the different nuances of each policy. Living in Bethlehem, NH, the great thing is you have plenty of health insurance options, which can also make it daunting to make selections. Let our team help you understand the various factors.  

Three Questions to Ask Your Agent About Life Insurance

Securing a life insurance policy can seem daunting. Whether you are a resident in Bethlehem, NH, considering buying life insurance, or an existing policyholder seeking to update your plan, The Washwick Agency is here to alleviate your concerns and help you find the right coverage.

Top Questions to Ask Before Obtaining a Life Insurance Policy

A life policy often prompts numerous questions. Here, we tackle three of the most commonly asked ones to help guide your decision-making process:

  • Do I need life insurance? Almost everyone benefits from a life insurance policy, particularly if they are the main income earner in the family. If you are catering to the financial needs of your partner, children, or aging parents, having this protection can provide valuable support in the event of your passing.
  • What coverage level is right for me? Identifying an adequate coverage level depends on factors such as your family size, lifestyle, and whether you are the primary breadwinner. By discussing these aspects with a knowledgeable agent, you will be better equipped to determine your policy’s necessary value.
  • How often should I revise my policy? Life events usually impact coverage requirements. Marriage, buying a house, having a child, or other significant events should prompt consideration of updating your life insurance policy.

The Washwick Agency: Your Trusted Insurance Partner

In the vast arena of life insurance, choosing the ideal coverage to secure your family can be a challenge. The Washwick Agency in Bethlehem, NH is driven by the commitment to help you navigate this process. We aim to help you make the right decisions so you can experience the reassurance of knowing your loved ones are protected.

What Are Medicare Plan Parts?

Demystifying Medicare Plan Components

Medicare, the federal health insurance program for individuals aged 65 and above or those with certain disabilities, has various coverage options crucial to safeguarding your healthcare and financial status. Let’s explore the different components of a Medicare plan.

Part A: Hospital Insurance

Think of Part A as insurance for hospital stays. This component typically covers inpatient hospital care, skilled nursing facilities, hospice, and some types of home healthcare. It serves as a standard in all government Medicare plans.

Part B: Medical Insurance

Part B covers non-hospital medical services. This includes doctor visits, outpatient care, medical equipment, and preventative services like screenings and wellness checkups. Like Part A, Part B is standard across all government Medicare plans.

Part C: Medicare Advantage

Medicare Advantage plans offer an alternative to traditional Medicare. Private insurance companies manage these plans and provide at least the same level of coverage as Parts A and B, often with additional benefits like vision, dental, and prescription drug coverage. Numerous residents in Bethlehem, NH find Medicare Advantage more beneficial than the standard Part A and Part B plans. Consult with us at The Washwick Agency to verify what Part C might offer you.

Part D: Prescription Drug Coverage

This optional component helps cover prescription drug costs. You can add Part D to Original Medicare (Parts A and B) or incorporate it into a Medicare Advantage plan.

Select the Right Plan for You with The Washwick Agency

Finding the perfect mix of components for your Medicare plan is key to acquiring the best coverage for you. If you’re in Bethlehem, NH, let The Washwick Agency guide you in selecting the options that will provide the coverage you need.

Will RV insurance cover the repair of my RVs fridge?

RV insurance, like auto insurance, covers many different areas. Of course, no two RV insurance companies are exactly alike. Understanding what’s covered by your RV insurance will vary from company to company. The Washwick Agency team knows that understanding what’s covered can be confusing. We’re committed to helping Bethlehem, NH area RV owners understand what’s covered and what’s not. 

What is RV insurance?

RV insurance is similar to auto insurance in that it can provide liability protection as well as collision and comprehensive protection depending on the particular type of coverage you invest in. Any motorized RV must legally be covered by a liability insurance policy. Any additional form of coverage can be chosen according to the owners’ preferences or other requirements. RV owners can invest in coverage for the repair of their RV if it’s damaged in an accident, as well as coverage for theft, some natural disasters, and vandalism. 

Will RV insurance cover the repair of my RV’s fridge?

No. RV insurance won’t cover your RV’s appliances as well as many other things associated with your RV, including your generator. However, RV warranty coverage can cover your appliances as well as other items and issues that aren’t covered by a typical RV insurance policy. Typically, your appliances are warranted, and extended manufacturer warranty is often an option as well. Like car insurance, RV insurance typically covers theft, vandalism, some natural disasters, damage from wrecks and other circumstances, windshield damage, non-moving accidents and more. However, appliances and other items often aren’t a part of what is covered by an insurance policy.

We Are Here To Help

If you have questions about RV insurance, call us at The Washwick Agency. We can explore your options in the greater Bethlehem, NH area and discuss your unique needs and preferences. We’re standing by. 

Is motorcycle insurance required in New Hampshire?

For most riders in Bethlehem, NH, motorcycle insurance isn’t required by law. New Hampshire motorcyclists should still be aware of its benefits and their legal obligations in an accident. There are also some situations when the state government or a bank does require this form of coverage.

State Requirements

The Granite State expects people to prove that they’re insured if they’ve committed serious vehicle-related crimes in the past. Examples include driving recklessly more than once or driving while intoxicated. The same goes for leaving an accident scene without taking the necessary steps. You can find out if you must have coverage by looking at your Driver Record Report.

Did you take out a loan to buy your bike? If so, you may be required to have motorcycle coverage. Many lenders require it because they want to make sure you can still repay the loan after a serious accident. Check your loan documents to see what type of insurance you need.


If you cause a motorcycle accident in New Hampshire, you are responsible for reimbursing other motorists’ losses. Your assets could be seized, and you might lose your license if you can’t do so. Adequate insurance shields you from most of these risks and burdens.


Insurance also protects you from losses related to things like fire, single-vehicle crashes, and motorcycle theft. Keep in mind that you’ll need comprehensive coverage to qualify for some of these benefits. Even if nothing bad happens, you’ll experience greater peace of mind whenever you ride your bike.

Consult With Us

If you’d like to start enjoying the benefits of motorcycle insurance, turn to The Washwick Agency. We offer dependable coverage at competitive rates to residents in the greater Bethlehem, NH region. To request a quote or learn more about our insurance services, reach out to us today at The Washwick Agency. 

Do I need boat insurance for the entire year if I can only use my boat in the summer?

There is no legal requirement to carry boat insurance in New Hampshire, but failure to carry insurance could lead to disaster if something happens. If your boat is damaged, and you don’t have insurance, you won’t get any help paying for it.

Bethlehem, NH boat insurance can also help protect you if you accidentally injure someone while boating. The Washwick Agency can give you the information you need to make an informed decision about what kind of boat insurance to carry and whether you need insurance in the winter.

Your Boat Is At Risk Even When It Is In Storage

One of the biggest risks your boat faces during the winter is theft. Once you have your boat safely in storage, you probably don’t spend much time checking on it. Many boats are stolen during the winter by people taking advantage of this lapse of attention. Vandalism is also a possibility.

Boats can also be damaged during the winter because of fire or bad weather. An electrical fire or a snowstorm could cause damage to the structure storing your boat, leading to a total loss.

A Lapse In Insurance

A lapse in insurance can look bad on your record. Also, you can still be liable for accidents related to your boat, even if your boat is in storage. For instance, kids could find your boat and decide to clown around, leading to injury that you will have to pay for.

If you are still paying off a loan on your Bethlehem, NH boat, year-round insurance is probably part of the terms anyway. Call The Washwick Agency today so we can help find a policy that fits your needs.

Do I need a separate umbrella insurance policy for my property and automobile?

Most people don’t realize that umbrella insurance can benefit anyone. Even if you don’t think you are vulnerable to a future loss, you could be involved in an accident through no fault of your own and need additional assistance. If you are in an auto accident or if you experience damage to your Bethlehem, NH home, a single umbrella policy can help with both. At The Washwick Agency, we can show you how inexpensive this coverage is.

What Is Umbrella Insurance?

Umbrella insurance is basically an extra insurance policy that acts as an umbrella to protect you from unexpected rainy days. If something unfortunate happens and you feel vulnerable, your umbrella policy offers that extra protection you need.

Your umbrella policy works by picking up where your regular coverage leaves off. Say for instance that you are in an auto accident and you have $50,000 coverage for medical payments per victim. If one of the victims requires multiple surgeries or extensive rehabilitation, that money could run out fast. Once you reach your policy limit, your umbrella policy takes over and pays up to that policy limit.

Why Is Umbrella Insurance Important?

Even if you don’t feel as though you have many assets, you could lose all your assets in a big enough event. Umbrella policy protection generally starts at $1 million and is surprisingly affordable.

Not only that, but your umbrella policy covers you in multiple areas. If your policy is personal, it may protect your automobile and home, adding extra liability coverage for your home. If you get an umbrella policy for your Bethlehem, NH small business, it adds coverage to your business policies.

We Are Here To Help

If you would like to discover your options for adding an umbrella policy, please feel free to call The Washwick Agency today.

Can I still insure my adult children if they are in college and don’t have their own health insurance yet?

Without health insurance, even a mild illness can seriously disrupt your finances. Facing large medical expenses can even cause people to forego necessary medical treatment because they do not have the money. 

At The Washwick Agency, we understand how confusing health insurance can be. There have been many changes in the last several years, and you need the best and most current information to keep your Bethlehem, NH family safe and healthy.

Are There Already Other Minor Children On Your Health Insurance Policy?

For most families, there is no extra charge for having no matter how many children are on the plan. A family plan with one child costs the same as a plan with ten children. When there are already minor children covered under the policy, it makes sense to keep young adult children on. 

However, if the adult children are the only ones left, it may be less expensive to let them get their own plans. Some employers only pay for your part of the insurance, A young adult who isn’t working full-time yet is probably eligible for a subsidy.

You Can Continue To Insure an Adult Child Until the Age of 26

Keeping your children on your plan may seem like the safest thing to do. If your children are on your policy, you know they have protection in case of illness or injury.

You still need to think about whether it is the best option. If your child is going to college in another state, they may not have access to the right providers.

We Are Here To Help

If you have questions about health insurance in the Bethlehem, NH area, please call The Washwick Agency today so we can look at your current coverage and help you understand your options.

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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