Home insurance that rebuilds, not just repays.
We insure your house at what it costs to rebuild today — lumber, labour and code upgrades included — not what it sold for in 2009.
Six things every SafeHarbor home policy includes
Dwelling
Roof, walls, built-ins and attached garage, rebuilt to current code.
Other structures
Sheds, fences and the detached studio at 10% of dwelling cover.
Belongings
Furniture, electronics and clothing at replacement cost, not depreciated value.
Liability
If a guest slips on your steps, legal and medical costs are covered.
Loss of use
Hotel, meals and laundry while your home is being repaired.
Medical payments
Up to $5,000 for visitors injured on your property, no fault needed.
Three levels, clearly priced
Example monthly premiums for a 2,000 sq ft home in Portsmouth, NH. Your quote will differ.
Essential
$78/month- Dwelling to rebuild cost
- Belongings $75k
- Liability $300k
- $2,500 deductible
Plus
$104/month- Everything in Essential
- Belongings $150k
- Liability $500k
- Water backup $10k
- $1,000 deductible
Complete
$139/month- Everything in Plus
- Guaranteed replacement cost
- Liability $1M
- Jewellery & art schedule
- $500 deductible
Popular endorsements
- Water backup
- Sump pump failures and drain backups — from $6/mo
- Equipment breakdown
- Furnace, heat pump and appliances — from $4/mo
- Scheduled valuables
- Rings, watches and art with no deductible — from $9/mo
- Home-sharing
- Cover while you host on short-term rentals — from $11/mo
Home insurance FAQ
Is flood damage covered?
Standard home policies exclude flood. We place NFIP and private flood cover separately — often from $38 a month outside high-risk zones.
How is my rebuild cost calculated?
We use a square-foot estimator updated quarterly with local labour and material costs, then walk through upgrades like hardwood floors or a new roof.
Can I lower my premium?
Monitored alarms, a newer roof, higher deductibles and bundling with auto can each take 5–18% off.
What happens if I sell my house mid-term?
Cancel any time; the unused premium is refunded pro-rata with no fee.
Find out what proper cover costs.
Answer a few questions and we’ll show three plans side by side. An agent follows up only if you ask.