• Personal Insurance FAQs

    Can I pay my bill On-Line? Yes and No.
    Yes, for the following companies: www.progressive.com and www.bristolwest.com or call 888.888.0080 pay by phone. and No with Peerless but you can go to their website at www.peerless-ins.com and you can access your current billing statement, review your billing history and view future planned activity, or you can call 800.228.7830 to pay by phone.

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    Why can’t an unmarried couple be covered under a homeowners policy?
    If a house is co-owned by the two people, there would be coverage for both individuals. However, if only one person owns the home, the other person should have his or her own Tenants Policy. By definition under a Homeowners Policy, the person who does not own the property is not considered to be an Insured, and therefore, would need his or her own personal property and liability protection.

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    Will my premium increase if I experience a claim?
    Under an auto policy, it would depend if you were at fault and what the total amount of damages are.
    Under a homeowners policy, insurance companies can place your policy in a higher-rated tier at your next renewal, depending on the circumstances and paid damages.  Some companies will not renew your homeowners if there have been frequent losses reported in a three-year period of time.

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    What is the problem with a trampoline?
    Due to a staggering increase in injuries resulting from trampoline use, most insurance companies have elected to decline coverage for a homeowner with a trampoline. This is the result of in an increase in emergency room visits, with serious injuries reported including death, broken necks, spinal cord injuries, head trauma resulting in permanent paralysis and death have been reported.

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    How much is that doggy in the window?
    Possibly a lot more than just the sale price… Ever wonder if that puppy you are thinking of getting for the kids is going to have an impact on your homeowners insurance? Although each company has their own guidelines, the following dog breeds can be found on most prohibited dog lists: Pit Bull, Rottweiler, Wolf-dog mix, Akita, Chow & Canarios Please contact your agent BEFORE you get a new dog to find out if it’s on your insurance company list.

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    "We have our business auto insurance with Eaton & Berube. In every interaction with their agency their representatives have been courteous, professional and extremely knowledgeable. Marc Berube is a person of high integrity. His breadth of knowledge of the insurance industry combined with his community involvement in the Nashua Rotary make him an outstanding ambassador for his agency. Without hesitation I would recommend Eaton & Berube as a full service insurance provider."
    Cristine Burke, Owner
    Burke Emergency Restoration
    850 East Industrial Park Drive
    Manchester, NH 03109
    www.burkerestoration.com
    "The insurance agents at Eaton & Berube are always there to help us solve our problems – no matter how big or small. We rely on them for both our business insurance and personal insurance needs, and are extremely satisfied with the responsive service we receive.

    More specifically, we have had two workers’ compensation issues arise, and the personal attention we received from Marc (Berube) exceeded our expectations in every way. Marc went above and beyond in helping us navigate our way through the workers’ comp system, from attending Labor Department hearings with us to helping us keep our Experience Modification factor at a beneficial level. In handling these issues, Marc jumped to our aid and helped us as if we were a family member instead of a customer – service that we have never received from an insurance agency before.

    Aside from our insurance policies, we also appreciate Eaton & Berube designing informative seminars on behalf of their clients, like the one we attended on the Employee versus Sub-Contractor “dilemma”. It’s great to see a business truly care about protecting its customers’ interests.

    We would recommend Eaton & Berube as a valuable advisor without hesitation. The sample employment and safety policies our agents have customized for us are fantastic! And when it comes to day-to-day requests, like when we need certificates of insurance or have a question about a policy, we always receive quick responses from our agents Jeanette, Gail & Judi. This allows us to focus on running our own business."
    Michael and Thomas Siciliano, Owners
    Siciliano Landscape Company, Inc.
    36 Route 101-A
    Amherst, NH 03060
    www.sicilianolandscapecompany.com
    "I am so pleased to find a local insurance agent that knows what it takes to run a successful small business today. You took the time to understand my business, and shopped the insurance market place to find us the best coverage, at the best rate. Eaton & Berube always offers great service and professionalism. Most importantly, I can trust you and your people to give me a straight answer. If it’s a claim, billing or coverage question, they get to the meat of the issue and solve my problem in a timely manner. I recommend the Eaton & Berube Agency to everyone I know for there business or personal needs. You have done right by me for many years and will continue to do so for many more."
    William C Pockl, President
    B&S Locksmiths Inc dba B&S Integrated Security Systems
    14B Broad Street Unit C
    Nashua, NH 03040
    www.bsiss.com
    "Recently I returned from a long awaited family vacation. However, the day we were leaving to come home one piece of luggage was stolen off the train. Truthfully, I didn’t know what to do other than report it to the police. It never occurred to me to make an insurance claim until a friend suggested it. When I called Eaton and Berube I was treated with kindness and respect, felt the agent truly cared about the loss I had experienced. Her guidance and advice was professional and thoughtful. Once the claim was filed I had a few questions which she promptly answered and also made follow-up inquiries to be sure everything was going smoothly for me. Thank you Eaton & Berube for training your staff to have exceptional customer service skills. Although with this particular agent, I’m quite sure it comes very naturally to her."
    Ellen M. Roposa, filed a personal homeowners insurance claim in mid-January 2013
    Manchester, NH resident
    "I am thrilled with the service that has been provided by Eaton and Berube for my business and personal needs. They found me affordable coverage and explained what I was buying in a way that was easier to understand than I have ever experienced. I would highly recommend Eaton and Berube for your insurance needs."
    David M. Gottesman, Gottesman & Hollis, P.A.
    39 East Pearl St.
    Nashua, NH 03060
    (603) 889-5959
    www.nh-lawyers.com