Myth: Lower limits on Bodily Injury and Property Damage Liability will result in a lower premium

Truth: Many carriers put you in a better rating tier when you choose higher limits. Higher limits show the carriers you are properly prepared and responsible. Tobey & Merrill Insurance listens and provides recommendations on what the proper coverage is for YOU!


Bodily Injury to Others

Accidents are not expected but if they do happen this will cover a 3rd party if you are deemed at fault for the accident

Medical Payments

Covers medical payments that go over your Liability Insurance coverage. Many health insurances are high deductible plans, this coverage can help on the small medical payments under your deductible.

Property Damage

If you run into a guard rail, fence, tree or a car- this will cover to pay property damage to a 3rd party

Uninsured Motorist

Did you know New Hampshire is the only state that does not require auto insurance? Even with this a study done in 2015 for largest percentage of uninsured shows NH ranked 35 out of 50 at 9.9% uninsured. This coverage will help you if you have an accident with one of the 9.9% in the state. 

** Please note that this is only a summary of insurance coverage. All policies have specific terms, conditions, exclusions, and limitations. Please refer to the policy for a complete description of coverages.**

Additional Products


Motorcycles / Scooters

Protection for riding is more than just a helmet and a jacket. You need to insure yourself from all the dangers that you face on the road. In New Hampshire cars and motorcycles on the road are increasing on both rural roads and highways.  Whether you are a new rider or you have been riding for 20 years, cover yourself with one of our comprehensive Motorcycle polices before you hit the open road.  


Recreational Vehicles

From RV to 5th wheeler to ATV we have you covered. Next time you drive your 5th wheeler up the mountains or next to the beach, make sure you understand how insurance works for your Vehicle. Talk with your agent to see if it is covered under your Auto policy or if it is a separate policy. We will take the guess work out of it so you can go camp under the stars and ride up into the mountains.   



Whether you enjoy lake life or life on the high seas make sure you are covered by one of our Boat Insurance policies.   Accidents do happen and if your boat sinks, damaged in a storm or someone is injured, your policy will protect you.  Find out today how we can cover your investment.