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It’s a windy fall night. You hear a loud crack outside, followed by a sound that makes your stomach drop.A tree from the...
10/17/2026

It’s a windy fall night. You hear a loud crack outside, followed by a sound that makes your stomach drop.

A tree from the backyard is now resting across your roof. Shingles are scattered across the lawn, the gutter is bent, and there’s a branch poking through the garage roof.

So, who pays for the damage?

The answer depends on your policy. Homeowners insurance often covers tree damage caused by a covered event, such as a windstorm. But if the tree was rotting or the damage resulted from neglect, coverage may be different. And if a tree falls in your yard without damaging anything, removal costs may not be covered.

The takeaway? Fall is a good time to check your trees and your coverage.

Questions about what your policy protects? The team at Hoyt Insurance is happy to help.

Your neighbor's kid is practicing baseball in the backyard when a wild swing sends the ball straight through your window...
10/13/2026

Your neighbor's kid is practicing baseball in the backyard when a wild swing sends the ball straight through your window.

Now there's broken glass on the floor, a hole where your window used to be, and a very embarrassed kid standing on your lawn while their parent apologizes profusely.

Accidents happen, but who's responsible for the repair bill? And could insurance help cover it?

The answer depends on the circumstances. Your homeowners insurance may cover the damage, and your neighbor's personal liability coverage could potentially come into play if they're legally responsible. The details of the situation and the policies involved matter.

It's a good reminder that homeowners insurance isn't just about protecting your house from storms and fires. Liability coverage can also help protect you financially if you're held responsible for accidentally injuring someone or damaging their property.

Let's just hope the next home run stays in the backyard.

Have questions about what your homeowners insurance covers? The team at Hoyt Insurance Agency is happy to help.

You start filling the bathtub.Then your phone rings. You get distracted. Twenty minutes later, you suddenly remember the...
10/08/2026

You start filling the bathtub.

Then your phone rings. You get distracted. Twenty minutes later, you suddenly remember the water.

Unfortunately, the water has already remembered what gravity is. Now there's water everywhere, the bathroom floor is damaged, and water has made its way downstairs.

Nobody's pipe burst. There wasn't a storm. There wasn't a flood. You simply forgot the bathtub.

So... is it covered?

Accidental water damage may be covered under a homeowners policy, depending on the circumstances and the policy terms. But different types of water damage are treated very differently by insurance, which is why it's important to understand your specific coverage.

Insurance isn't always about dramatic disasters.

Sometimes it's about the bathtub you forgot for twenty minutes.

Want to know what your homeowners policy actually covers? Give Hoyt Insurance a call.

WOULD INSURANCE COVER THIS?You leave your car parked outside overnight after forgetting a bag of takeout in the back sea...
10/06/2026

WOULD INSURANCE COVER THIS?

You leave your car parked outside overnight after forgetting a bag of takeout in the back seat. In the morning, you discover that a bear has apparently developed a taste for Tex-Mex.

The doors are scratched. The interior is torn apart. The back seat is covered in tortilla chip crumbs. Your burrito is gone.

So, does insurance cover the bear damage?

Potentially, it could. Damage to your vehicle caused by an animal is generally handled under comprehensive auto coverage, rather than collision coverage. That can include a deer, a bear, or another animal getting a little too interested in your vehicle.

The important part? You need the right coverage before the bear shows up.

And maybe don't leave the burrito in the car.

Have an insurance question that sounds too strange to ask? Ask us.

Would you insure your legs? Your hands? Your voice?Believe it or not, people have been doing exactly that for well over ...
10/01/2026

Would you insure your legs? Your hands? Your voice?

Believe it or not, people have been doing exactly that for well over a century.

As entertainment and professional sports grew in the early 1900s, performers and athletes began insuring body parts that were essential to their careers. A singer might insure their voice. A pianist might insure their hands. A professional athlete might insure a leg.

One of the most famous examples was dancer and actress Betty Grable, whose legs were reportedly insured for $1 million each during the height of her career.

And she wasn't alone. Entertainers, athletes, and other professionals have used specialized insurance to protect the physical abilities their livelihoods depend upon.

The interesting part isn't really the million-dollar legs.

It's the principle behind it: insurance is about protecting something that would create a serious financial loss if it were suddenly gone.

For most of us, that means our home, car, business, belongings, or income. But the underlying idea is the same.

What would be the one thing you couldn't afford to lose?

Life Insurance Pop Quiz!You have a life insurance policy through work.You change jobs.What happens to your coverage?A. I...
09/27/2026

Life Insurance Pop Quiz!

You have a life insurance policy through work.

You change jobs.

What happens to your coverage?

A. It automatically follows you forever
B. It disappears immediately
C. It depends on the policy
D. Nobody knows. Hyde ate the paperwork.

The answer is C.

Employer-provided life insurance is often tied to your job, and whether you can keep some or all of that coverage after leaving depends on the specific policy. Some policies may offer portability or conversion options, but there can be important deadlines and differences in cost and coverage.

The takeaway: If your life insurance comes through work, don't assume it's permanent.

It's worth knowing what you have, who it protects, and what happens if your job changes.

There’s a lot to love about fall in New Hampshire.There’s also a lot more happening on the roads.School buses are back. ...
09/24/2026

There’s a lot to love about fall in New Hampshire.

There’s also a lot more happening on the roads.

School buses are back. The sun is setting earlier. Wet leaves can make roads slick. And then there are the deer, who seem to believe that every road is their personal crossing.

So before fall driving gets into full swing, take a minute to think about your auto insurance.

Do you know what your deductible is?
Do you know whether you have rental reimbursement if your car is in the shop?
And if you hit a deer, do you know how your coverage would respond?

Knowing before you need it beats finding out after.

Have a question about your auto coverage? Give Hoyt Insurance a call.

What happens to the mortgage if you pass away unexpectedly?The house doesn’t disappear. The mortgage doesn’t disappear. ...
09/19/2026

What happens to the mortgage if you pass away unexpectedly?

The house doesn’t disappear. The mortgage doesn’t disappear. Neither do the electric bill, property taxes, groceries, childcare, or all the other expenses your family still has to manage.

That’s one reason life insurance is about more than replacing a paycheck. It can help provide financial breathing room when a family is already dealing with a difficult loss.

And life insurance isn’t only something to think about when you have young children. A spouse, a business, a mortgage, or other financial responsibilities can all be part of the conversation.

Chief Preparedness Officer Hyde says: "I have plenty of treats, but that's not a qualifying financial plan."

Life insurance is worth talking about before your family needs it.

Your homeowners policy has an interesting little detail you might not know about. If a tree falls in your yard during a ...
09/16/2026

Your homeowners policy has an interesting little detail you might not know about. If a tree falls in your yard during a storm, you might assume insurance automatically pays to remove it.

Not necessarily.

Whether tree removal is covered can depend on where the tree falls, what it damages, and why it fell. A tree that lands on your roof is a very different insurance situation from one that simply falls across the backyard.

And if you’re thinking, “It’s just a tree. How expensive could that be?”

Ask someone who has priced emergency tree removal after a major storm.

Chief Preparedness Officer Hyde says:

"I recommend trees stay upright. It's better for everyone."

Insurance gets interesting when you look at the details. If you’re not sure what your policy actually says, ask us.

Today, we celebrate the hard work, dedication, and contributions of workers in our communities and across the country.We...
09/07/2026

Today, we celebrate the hard work, dedication, and contributions of workers in our communities and across the country.

We hope you enjoy a safe, relaxing Labor Day with family and friends. Thank you to all who work hard to make our communities stronger every day!

Address

259 Dartmouth College Highway
Lebanon, NH
03784

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+18886691269

Website

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