Best homeowners insurance in New Hampshire of 2021

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The home ownership rate in New Hampshire averages 75%, which increases the need to find the best homeowners insurance in the state. Fortunately for residents, New Hampshire home insurance rates are some of the lowest among its Northeastern neighbors — with an average annual premium rate of $724 for $250K in dwelling coverage, according to Bankrate’s 2021 study of quoted annual premiums. In 2019, New Hampshire homeowner’s insurance incurred over $167 million in losses, adding to the urgency of finding the best home insurance in New Hampshire.

Best home insurance companies in New Hampshire

Home Insurance Company Average Annual Premium for $250K Liability J.D. Power Score
Amica Mutual $771 853/1,000
MetLife $543 824/1,000
State Farm $782 829/1,000
Allstate $833 829/1,000
USAA $675 889/1,000

Price is just one factor to consider when shopping for homeowners insurance companies. Also consider a company’s financial rating and its customer service track record. Each year J.D. Power conducts a survey of the nation’s home insurance companies. Based on its 2020 U.S. Home Insurance Study, we’ve chosen a few top picks for New Hampshire homeowners.

Amica Mutual

Amica Mutual ranks high in the J.D. Power survey, receiving second place. Its standard home insurance policy also comes with high coverage levels for loss of use and personal property.

Learn more: Amica Insurance Review


MetLife, which now falls under Farmers Insurance Group, is known for its digital assets, such as its highly-rated mobile app. The company also offers competitive rates for homeowners insurance in New Hampshire. Another outstanding feature of the homeowners insurance policy is the Guaranteed Replacement Coverage — so you receive the actual dollar amount it costs to replace your home, even if it’s higher than the home’s market value.

Learn more: MetLife Insurance Review

State Farm

State Farm offers fantastic personal property protection and gives you the option to increase your standard dwelling coverage. State Farm agencies operate throughout New Hampshire, offering a full portfolio of coverages including boat, health, life and recreational vehicle insurance.

Learn more: State Farm Insurance Review


Allstate consistently ranks among J.D. Power’s top home insurance companies. It offers a wide variety of insurance products and continues to operate local agencies. Allstate’s claims process enables you to file a claim by calling the national claims center, contacting your local agent or using the Allstate mobile app.

Learn more: Allstate Insurance Review


USAA consistently ranks among J.D. Power’s top home insurance companies. It offers a wide variety of insurance products and continues to operate local agencies. Allstate’s claims process enables you to file a claim by calling the national claims center, contacting your local agent or using the Allstate mobile app.

Learn more: USAA Insurance Review

How much is homeowners insurance in New Hampshire?

The average home insurance cost in New Hampshire is $724 annually, for $250k in dwelling coverage. This is well-below the national average of $1,312. Compared to its neighbors, New Hampshire averages below Maine home insurance, which comes in at $956 annually. However, New Hampshire does cost slightly more than Vermont, which averages $686 per year.

Home insurance in New Hampshire

New Hampshire experiences its fair share of volatile weather conditions, meaning it can be a wise decision to purchase the most comprehensive coverage possible for your homeowners policy.

Common causes of loss in New Hampshire

New Hampshire homeowners face several different types of risks:

  • Hurricanes: Hurricanes pose the greatest risk to New Hampshire homes. High winds and water damage can cause flooding within your home. It is also common to experience roof damages from hurricanes.
  • Storm surge: Hurricanes can also cause storm surge, a particular risk in the state. New Hampshire ranks as the 19th highest state in the nation for storm surge risk. This is when an influx of water rushes ashore, causing flooding.
  • Winter storms: Blizzards and ice storms can wreak havoc on northeastern homes. Common damages include burst pipes, collapsed roofs and downed power lines and trees. The state also faces moderate risk of tornados, wildfires and earthquakes.

Home insurance coverage options in New Hampshire

It’s important to keep in mind the risk factors mentioned above, as you are selecting coverage options for your homeowners policy. In addition to dwelling coverage, it might be worth considering these options for your policy:

  • Flood insurance: Flood insurance is not typically included with the standard insurance policy, but this can be especially important for those living in flood-prone areas, like the coast of New Hampshire. You can buy a separate policy for damage due to floods from your insurance provider or through FEMA’s National Flood Insurance Program.
  • Water backup and sewer coverage: The standard home insurance policy does not provide coverage when you have water overflow or sewer backup issues in your home. However, many insurance companies offer the option of water backup and sewer coverage as an additional endorsement.
  • Earthquake insurance: The average home insurance policy does not include earthquake insurance, either, but you can add this coverage to your policy. It is available as an endorsement from most insurance providers.

Frequently asked questions

What is the cheapest homeowners insurance in New Hampshire?

The cost of homeowners insurance can depend on many factors, including your credit score, the age of your home and its location. Based on Bankrate’s study, MetLife and USAA offer some of the lowest home insurance rates in New Hampshire.

How do I get homeowners insurance in New Hampshire?

More than 100 companies sell New Hampshire homeowners insurance, including major providers such as Allstate, Amica Mutual and State Farm.

Are rural New Hampshire homes more expensive to insure?

Rural homes can be expensive to insure, depending on their proximity to emergency services. Insurance companies offer the best rates for homes located within five miles of a fire station and 1,000 feet of a fire hydrant.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Written by
Sara Coleman
Insurance Contributor
Sara Coleman has three years of experience in writing for insurance domains such as Bankrate, The Simple Dollar,, and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
Edited by
Insurance Editor