We now offer Pet Insurance!
Located In Rochester, Dover, and Alton, NH

Keep Your Most Valuable Asset Safe.

Home Owners Insurance for New Hampshire Residents

Great staff, works hard to get the best policy and price.
Skip Smith
Proud Customer
I have always had great service at Bernier Insurance!
Aaron Huppe
Happy Customer

From Our Family, To Yours.

We've Proudly Served New England For Over 30 Years.

Bernier agents treat you with respect and get to know you. They earn a trusted relationship with you by: 

  • Giving you the same honest advice they would give to their own family
  • Responding quickly to questions and working to solve problems
  • Shopping for and providing competitive rates
  • Having more than 250 years of combined experience
  • Being fully licensed in New Hampshire, Maine, Vermont and Massachusetts.

If you’re a member or employee of one of these organizations, you may be eligible to get a special group rate:

  • Holy Rosary Credit Union members and employees
  • City of Rochester & Dover employees
  • Strafford County employees

It's Not Just About Price, Your Actual Coverage Matters.

We Carry The Nation's Top Providers, Because You Deserve The Best.

Get The Ideal Homeowner Coverage.

If it’s a new home or one you’re settled into, it’s wise to get a current and accurate insurance review based on what’s appropriate for you and your family today. Are you properly covered? 


When to be proactive about your homeowners coverage include:

  • Buying or building a new home
  • Putting on an addition
  • Doing significant renovations
  • Adding outdoor features
  • Growing your family

These are some ideal times to get an up-to-date quote on your homeowners insurance. Bernier Insurance makes sure you have the protection you need.

The Perfect Balance Of Coverage and Pricing

Understanding coverage and limits is fundamental to homeowners protection. For example, you might want higher limits than what would normally be covered under a standard policy because of certain assets of special value to you. Communication is the key to understanding your exact needs and we keep the channels open.

Do You Own A Condominium?

Condo Insurance For NH, MA, ME

What happens if there’s a fire, plumbing failure, break-in or other damage to your condominium unit that causes significant loss of your property? What’s covered by the condo association’s master policy and what isn’t? 


Most condominium insurance provides coverage for what’s inside of your unit. The external areas of the building generally fall under the responsibility of your condo association. Depending upon the specifics of your condominium association’s master policy, your own condo insurance may include coverage for interior walls, appliances, and personal property.


Additionally, in the event of a loss, your condo policy also protects you against liability claims stemming from your condominium property, much the way most homeowners policies do.

What About Renters Insurance?

Renters Insurance For NH, MA, ME

Renters Insurance is a great value! Relatively speaking, it’s inexpensive with rates in the ballpark of $150-$200 per year. A renters policy will cover your personal belongings in the event of fire, building damage or theft. Plus, it includes important liability protections.


Remember that your landlord’s insurance policy won’t cover your belongings so be sure to protect your property with the right coverage by calling us!


If you own a duplex, multi-family home, or other rental property, we can tailor coverage specifically to protect you. Please contact one of our agents today to lean how we can address your unique insurance need.