8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Save up to $1,025† by comparing quotes from the top 120+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Homeowners insurance in New Hampshire costs an average of $1,128 annually for a $300,000 policy, which is much lower than the national average of $2,532.
A standard home insurance policy covers damage from fire, theft, and certain natural disasters. But New Hampshire is prone to winter storms and heavy snow, so homeowners might want to look for policies that cover water damage and ice dams.
The best way to find affordable homeowners insurance is to compare multiple quotes, company discounts, and availability. Keep reading to learn more about home insurance in New Hampshire.
Quick Facts
Vermont Mutual, Amica Mutual, and Patriot Group are some of the cheapest home insurance companies in New Hampshire.
Flooding, severe windstorms, and winter conditions are some of the most common perils New Hampshire homeowners need their insurance to cover.
New Hampshire homeowners may want to consider adding a flood insurance policy to protect against flood damage.
Best home insurance companies in New Hampshire
The best home insurance company for you depends on your unique needs and circumstances. Some recognizable names, like Travelers and State Farm, offer affordable and reliable coverage for homeowners in the Granite State.
The table below includes other top choices to help you compare and select the best option for your home.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly Premium
Best For
Amica Mutual
8.2
$116
Cheap rates
Plymouth Rock Assurance
NR
$75
Tech-savvy homeowners
Travelers
7.8
$83
High-net-worth homeowners
State Farm
8.2
$95
Customer service
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
679
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$116/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$176/mo
Amica Mutual is an excellent choice for cost-conscious homeowners, especially those looking for value without sacrificing quality. Amica is a mutual insurance company, meaning policyholders own the company rather than shareholders. It offers some of the lowest average rates in New Hampshire. In addition, Amica offers dividend policies, which return 5%–20% of your annual premium to you each year, on average.
Pros
Multiple discounts are available to help you save money
Option to upgrade to Platinum coverage for broader coverage
Cons
Dividend policies might have a higher up-front cost
Few physical offices in New Hampshire limit personal interactions
Best insurer for tech-savvy homeowners: Plymouth Rock Assurance
tech-savvy homeownersPlymouth Rock
Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Plymouth Rock Assurance is ideal for homeowners who value a technology-focused approach to managing their insurance coverage. The company allows you to manage your policy online or through a robust mobile app, where you can access policy documents, schedule payments, update your policy information, and report and track claims.
Pros
User-friendly mobile app and online tools for easy policy management
Option to customize policies to add coverage for utility service lines, home systems breakdown, and floods
Cons
Fewer discounts compared to some other insurance companies
A “C” rating from the Better Business Bureau (BBB) indicates issues with customer satisfaction
Best insurer for high-net-worth homeowners: Travelers
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
609
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$83/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$138/mo
Travelers is a good option for homeowners with high-value homes or multiple assets to protect because the company offers extensive coverage options you can tailor to meet your needs. Travelers also provides a network of local agents in New Hampshire, ensuring reliable and personalized service.
Pros
Offers a range of coverage options to customize your policy to fit your needs
AM Best financial strength rating of A++ (Superior), ensuring reliable claims processing and long-term security
Cons
Rating of 5 stars on Trustpilot, with many customers complaining of poor claims service
Additional coverages that high-value homes need can make your homeowners policy more expensive
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$95/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$131/mo
State Farm is a good option for New Hampshire homeowners looking for a well-established insurance company with localized and in-person customer service. The company has an extensive network of local agents throughout New Hampshire, from Nashua, Manchester, and Concord in the south to Colebrook in the northern tip of the state. This makes it a great choice if you’re a first-time homeowner who needs more guidance when selecting coverages and limits.
Pros
Extensive coverage options tailored to meet your needs
User-friendly mobile app and online resources for easy policy management and claims filing
Cons
It can be more expensive than some local competitors
Limited number of discounts compared to some other insurance companies
Cheapest home insurance in New Hampshire
If affordability is your top concern, Travelers offers the cheapest home insurance in New Hampshire. Remember that your premiums may vary depending on your home’s location, its unique characteristics, and the type of homeowners insurance policy you select.
The following table highlights the state’s most budget-friendly home insurance options for a $300,000 policy to help you find the best fit for your needs.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
In New Hampshire, homeowners insurance costs an average of $1,128 per year for a $300,000 policy. Factors influencing premiums include the home’s ZIP code, age, and construction type. Homes in areas prone to severe weather may have higher premiums because snow, ice, and wind can increase the risk of claims.
Factors like your credit history, claims history, coverage limits, and deductibles can also affect your premiums.[1]
Cost of homeowners insurance by dwelling coverage amount
Higher dwelling coverage levels typically result in higher premiums, but they provide greater protection for your home. The more coverage you buy, the more the insurance company will charge to cover potential claims.
Below is the average cost of homeowners insurance in New Hampshire for several different levels of coverage for a policy with a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
A deductible is the amount you must pay out of pocket before insurance coverage kicks in for a covered loss. Choosing a lower deductible means higher premiums, as the insurance company takes on more risk. On the other hand, a higher deductible results in lower premiums because you assume a greater share of potential losses.
The table below illustrates how your choice of deductible affects the cost of a New Hampshire home insurance policy with $300,000 in dwelling coverage.
Deductible Amount
Average Annual Premium
$500
$1,059
$1,000
$962
How to get cheap homeowners insurance in New Hampshire
Here are a few strategies to help you save on your home insurance costs:
Bundle your policies. Many insurance companies offer multi-policy discounts for buying your homeowners policy and auto or life insurance from one company. Bundling coverage can result in discounts of anywhere from 5%–15%.[2]
Increase your deductible. Opting for a higher deductible can lower your premiums. Raising your deductible from $500 to $1,000 can cut up to 25% off of your insurance cost. Just remember this means you’ll pay more out of pocket in case of a claim.[3]
Improve your home security and disaster resistance. Many insurance companies offer discounts for installing security systems, smoke detectors, storm shutters, and other features, as these measures decrease the likelihood of claims. Check with your insurance agent to determine whether they offer these discounts and what you need to do to qualify.[2]
Maintain good credit. New Hampshire law allows insurance companies to pull credit history when deciding whether to insure a customer and when setting rates.[1] Insurance companies use credit history to assess risk; a better history indicates to an insurer that you’re less likely to file a claim. By maintaining good credit, you demonstrate reliability, which can lead to lower homeowners insurance rates.
Shop around. Comparing quotes from several insurance companies is the best way to find the best price on homeowners insurance. Rates vary significantly from company to company, even for the same coverage. By getting multiple quotes, you can find the most competitive rates for your unique situation and ensure you’re not overpaying for coverage.
Shop for New Hampshire Home Insurance
Insurify partners with top insurers for real-time quotes
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
How much homeowners insurance do you need in New Hampshire?
If you take out a mortgage to buy your home, your mortgage company will require you to purchase a homeowners insurance policy. This coverage protects its investment in case of damage or loss.
Buying insurance might seem like a simple compliance exercise, but it’s essential to understand exactly what your policy covers when you buy it. Ensure the policy includes high enough dwelling coverage to rebuild your home and other structures in case of a total loss, personal property coverage for your belongings, and personal liability coverage to protect you against potential lawsuits.
You might also want to consider add-ons for any specific risks or exposures that apply to you or your home. For example, loss of use coverage can pay for your living expenses while your home is being rebuilt after a covered loss.
What are some of the biggest risks when owning a home in New Hampshire?
Owning a home in New Hampshire has some unique risks due to the state’s climate and geographical features.
Flooding
Flooding from rain, melting snow, and overflowing rivers can cause huge losses for New Hampshire residents. Severe flooding events, like the Mother’s Day Flood of 2006, cause extensive property damage. Standard homeowners insurance policies don’t typically cover flood damage. To protect yourself against this risk, you need to buy a separate flood insurance policy from a private insurance company or through the National Flood Insurance Program (NFIP), which is managed by the Federal Emergency Management Agency (FEMA).
Severe winter storms
New Hampshire’s harsh winters can bring heavy snowfall, ice storms, wind, and freezing temperatures. These conditions can cause roof collapses, ice dams, and water damage from melting snow. While most standard home insurance policies cover damage from winter storms, your home insurance company may deny claims if you don’t maintain heat in the home to prevent water damage from frozen pipes. It’s always a good idea to check with your insurance company to ensure you have adequate coverage for winter-specific risks.
Windstorms and hurricanes
Though less common, strong windstorms and remnants of coastal hurricanes can cause property damage from high winds and falling trees in New Hampshire. Standard homeowners policies usually cover windstorm damage, but your policy could contain specific exclusions or limitations. Review your policy and consider endorsements to cover wind-related perils if necessary.
New Hampshire homeowners insurance FAQs
Finding the right home insurance for you can be difficult. If you still have questions, check out the additional information below.
How much is home insurance in New Hampshire?
Home insurance in New Hampshire costs $962 annually for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. But your rate will depend on several factors, including your ZIP code, age of your home, size of your home, and the coverage levels you choose.
Which company has the cheapest homeowners insurance in New Hampshire?
For a $300,000 home insurance policy, Travelers offers the cheapest rates in New Hampshire, at an monthly rate of $83.
Does New Hampshire require homeowners insurance?
No, New Hampshire doesn’t require home insurance by law. But your mortgage company will require you to have a policy. Even if you’ve paid off your mortgage, it’s still important to protect your home and property. In the event of a natural disaster, fire, or burglary, home insurance can help cover the cost of repairs or replacement that you otherwise may not be able to afford out of pocket.
Is home insurance cheaper in NH?
Home insurance in New Hampshire is fairly affordable compared to the U.S. annual average of $2,532. Compared to its New England counterparts, Massachusetts homeowners pay $1,716 annually, Vermont homeowners pay $936, and Maine homeowners pay $1,188.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
Dwelling coverage: $300,000
Deductible: $1,000
Personal property limit: $25,000
Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
)
)
){kind=logo}
){kind=logo}
){kind=logo}
){kind=small}
)
)
)
)
){kind=small}
){kind=small}
){kind=small}
Amica
Plymouth Rock
Travelers
State Farm
)
)
)
)
)
)
)
)
