Business Details
32 Years
experience
Your Trusted Insurance Partner in Rochester, NH
Founded in 1994 by Hoagy Higgins and Ronald Lachapelle, our agency was built on the principle of providing tailored insurance solutions to meet individual needs. We prioritize keeping business dollars local to support community growth while delivering quality service at competitive rates. Our mission centers on advocating for clients rather than specific insurers, ensuring optimal coverage combinations for families and businesses. With over two decades of experience, we leverage modern tools to elevate expectations for insurance brokerage services.Our team includes industry veterans like Hoagy Higgins, a three-time Prudential Citation winner, and specialists in property, casualty, and life insurance. Community involvement remains core to our values, reflected through participation in local initiatives and youth programs. We pride ourselves on transparent communication, guiding clients through policy complexities to ensure informed decisions. Our commitment extends beyond sales, focusing on long-term relationships and personalized support throughout the insurance lifecycle.
Services
Auto Insurance
Home Insurance
Life & Health Insurance
Umbrella Policies
Business Insurance
Personal Items Insurance
Travel Insurance
Flood Insurance
Motorcycle/Snowmobile Insurance
Bundle & Save Programs
Details
- Year established: 1994
Highlights and features
- We work for YOU, not specific insurance companies
- 20+ years serving Rochester area insurance needs
- Local community involvement through youth programs and charities
- Personalized coverage strategies for individuals and businesses
- Access to multiple carriers for competitive rate comparisons
What people say
BEST insurance company
Excellent customer service
Best rates around
Personal attention
Super people
Services
Auto Insurance
Protect your vehicle with comprehensive coverage options tailored to your driving needs. Our policies include liability protection, collision coverage, and uninsured motorist provisions. We help clients navigate state requirements while finding cost-effective solutions that balance protection and affordability.
Home Insurance
Secure your home and possessions with customizable policies covering structural damage, personal belongings, and liability protection. We offer standard homeowners insurance alongside specialized coverage for high-value items and unique property needs in the Rochester area.
Life & Health Insurance
Plan for your family's financial future with term, whole, and universal life insurance options. Our experts help develop strategies that consider dependents' needs, debt obligations, and long-term financial goals while explaining complex policy features in clear terms.
Umbrella Policies
Enhance liability protection beyond standard policy limits with customizable umbrella coverage. This service provides additional security for homeowners, drivers, and business owners facing potential lawsuits or significant financial exposure scenarios.
Business Insurance
Protect your company with comprehensive coverage including liability protection, business auto policies, and workers' compensation. We help businesses navigate complex insurance requirements while creating tailored risk management strategies for different industry sectors.
People
Hoagy Higgins
Founder and CEO
LUTCF-certified insurance professional with 40+ years experience since 1982. Active community leader involved in youth sports, Rochester Crime Line, and local charities. Three-time Prudential Citation winner, recognized as 2007 Rochester Small Business of the Year.
Troy Large
Agent
15+ years with the company, University of New Hampshire graduate with international infrastructure experience. Community-focused agent balancing family life with outdoor activities like camping, skiing, and fishing.
Keith Cook
Agent
Lifelong Rochester resident specializing in property and casualty insurance. Keene State College business graduate with expertise in community service and outdoor recreation risk management. Active in local community initiatives.
Questions
How do you differ from other insurance agencies?
We work exclusively for clients, not specific insurers, and offer multi-carrier comparisons to find optimal coverage-price combinations tailored to individual needs.
What areas do you serve?
Primarily serving Rochester, NH and surrounding communities with personalized insurance solutions since 1994.
What insurance types can I bundle?
Most carriers allow bundling auto, home, umbrella, and business policies to help clients save on multiple coverage purchases.
Do you offer business insurance solutions?
Yes, we provide comprehensive commercial insurance including liability protection, business auto policies, and workers' compensation coverage.
