Homeowners Insurance In New Hampshire

On average, your neighbors pay $70 a month.

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Best homeowners insurance companies in New Hampshire

Homeowners in New Hampshire looking for home insurance have it better than homeowners do in many other states, as they pay some of the lowest average premiums in the country.

Even so, finding the right homeowners insurance policy is about more than getting the cheapest quote. You also need to consider which policy offerings are available, as well as which companies have the best customer satisfaction trends.

We looked at the home insurance companies operating in New Hampshire to help you pick a company and a policy.

Our comprehensive guide to home insurance in New Hampshire, includes:

Cost of homeowners insurance in New Hampshire

The average cost of homeowners insurance in New Hampshire is $839 a year, according to the 2,400 quotes included in our survey of the state's providers. That's 52% lower than the national rate of $1,735.

  New Hampshire U.S.

Average annual rate

$839

$1,735

Average monthly rate

$70

$145

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

You can lower your annual premium by raising your deductible, which is the amount of money you are responsible for paying toward an insured loss.

Dedutible Average annual premium

$500

$949

$1,000

$839

$1,500

$814

$2,000

$771

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest home insurance companies in New Hampshire

Finding your best rate means choosing the right company for your home insurance needs. New Hampshire's average annual premiums range between $771 and $962, based on our research. Amica has the lowest rate in our study, at $771 a year.

The table below gives an overview of the average cost of homeowners insurance across some of the main providers in New Hampshire. To find your best home insurance rate, we recommend comparing many quotes between the home insurers available to you.

 

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

To learn more about these companies, read our study on the best home insurance companies.

Amica: best overall

For high performance in average home insurance premium, policy offerings and customer satisfaction, Amica is our pick for best home insurer in New Hampshire. Amica's average rate in New Hampshire is $771 a year. This is the cheapest rate in our study, and $68 lower than the state's average homeowners insurance premium of $839.

In terms of policy offerings, Amica provides excellent comprehensive coverage for your home and belongings. It also offers optional coverage to protect your valuables, such as art collections, jewelry and furs. Amica also offers optional coverage that protects you if you run a business from home or just occasionally complete work there.

Amica has an excellent track record for claims resolution as well. J.D. Power compiles an annual home insurance customer satisfaction survey based on insurer claims service and resolution. Amica ranked second in J.D. Power's 2021 survey. Also, Amica earned 0.51 on the 2020 NAIC Complaint Index. A low index score indicates a low rate of consumer complaints regarding insurance claims. Amica's Complaint Index is below the national median of 1.0.

Allstate: most discounts

Allstate has one of the lowest average home insurance rates in New Hampshire, at $786 a year. However, you can lower your premium even further with the array of discounts that you may qualify for:

  • Are you a recent homeowner? You can save with Allstate if you have a newly constructed home or if you're a recent homebuyer.
  • If you switch your home insurance policy over to Allstate with no claims in your history, it could be worth a 20% discount off your premium. You can get upwards of another 10% off your premium just for switching to Allstate.

These are only a few of the home insurance discounts Allstate provides. Talk with an agent to see what other discounts you could qualify for from this provider.

Vermont Mutual: best local insurer

Vermont Mutual offers insurance in seven states on the East Coast, including New Hampshire. The company has a low average home insurance premium of $788 a year, which is 6% lower than the state average premium of $839.

Along with low rates, Vermont Mutual provides different levels of coverage depending on your needs. Its home insurance policies range from standard home insurance coverage all the way up to its Elite endorsement, which covers water pipes, waste disposal lines and cables — none of which are covered by standard home insurance policies.

Homeowners insurance rates in New Hampshire by location

Despite being the fifth smallest state in the country by area, New Hampshire still offers a significant range of home insurance rates at both the city and county levels. Nashua has the lowest average rate of $783 a year, while Concord comes in high at $843. Hillsborough County has the lowest average home insurance premium, at $810, and Rockingham County tops out at $861.

Homeowners insurance rates in New Hampshire by city
City Average annual premium

Manchester

$837

Nashua

$783

Concord

$843

Derry

$834

Dover

$833

Rochester

$836

Londonderry

$830

Hudson

$803

Keene

$834

Portsmouth

$833

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.
Homeowners insurance rates in New Hampshire by county
County Average annual premium

Hillsborough

$810

Rockingham

$861

Merrimack

$844

Strafford

$843

Grafton

$829

Cheshire

$843

Belknap

$843

Carroll

$836

Sullivan

$840

Coos

$850

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Methodology

We collected quotes from every ZIP code in New Hampshire for a standard HO-3 homeowners insurance policy. We used the following coverages:

  • $275,000 dwelling coverage
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible (when not otherwise stated)

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