We now offer Pet Insurance!

Homeowner Insurance

Get 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.

At The Right Price.

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.

Service Starts With Your Agent!

Your Very Own Local Insurance Agent

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.

Do you have questions about coverage for your vehicles? Contact Us!

Special Group Homeowner Rates Available

Are you eligible for a special group rate on your homeowner’s policy? If you’re a member or employee of one of these organizations, you may be eligible to get a group rate:


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

Feel free to all us at (603) 335-2345 to learn more or speak with an agent.

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 Bernier Insurance at (603) 335-2345.

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.

Homeowners Insurance & More

Personal Auto Insurance

Get great coverage and rates without silly (and expensive) TV commercials.

Homeowners Insurance
Protect your home and everything in it. Top carriers, great advice, competitive prices.
Life Insurance

Provide for and protect your loved ones. Life insurance plans for peace of mind.

Boat & RV Insurance

Ensure your fun, adventure, and life doesn’t stop for unexpected reasons we can safeguard.

Antiques Insurance
We offer antiques insurance for NH, MA, and ME customers who want to protect the past.
If It's Valuable, We Cover It

This includes flood insurance, renters insurance, and just about any other insurance you need.


Great friendly 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

Our Friendly Team Awaits.