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Best homeowners insurance in New Hampshire of 2024

If you’re weighing home insurance options in NH, Bankrate suggests starting with USAA, Amica, Allstate, State Farm and Travelers.

Updated Mar 20, 2024
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Compare the best homeowners insurance companies in New Hampshire

According to proprietary rate data provided by Quadrant Information Services, the average cost of home insurance in New Hampshire for $250,000 in dwelling coverage is $843 per year. While this is cheaper than many other states, insurance rates are based on your personal rating factors such as the age of your home, your claims history, and in New Hampshire, even your credit history. As such, you could be paying more or less than the average.

Aside from average rates, we also reviewed third-party customer satisfaction scores as reported in the J.D. Power 2023 U.S. Home Insurance Study, coverage options and more. Based on this information, those looking for the best New Hampshire home insurance may want to check out USAA, Allstate, Amica, Travelers and Allstate.

Insurance company J.D. Power Average monthly premium Average annual premium
881
/1,000
$78
$939
844
/1,000
$47
$560
809
/1,000
$78
$936
829
/1,000
$66
$796
790
/1,000
$56
$672
*Premiums are for $250K in dwelling coverage **USAA not officially ranked by J.D. Power due to eligibility restrictions
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

Compare home insurance rates

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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The top 5 home insurance companies in New Hampshire

Best for military-focused coverage options

USAA

4.7

Rating: 4.7 stars out of 5

Avg. premium for $250K dwelling

$78/mo

Avg. premium for $250K dwelling

$939/yr

Customer satisfaction

881/1,000

Best for top-notch customer service

Amica

4.6

Rating: 4.6 stars out of 5

Avg. premium for $250K dwelling

$47/mo

Avg. premium for $250K dwelling

$560/yr

Customer satisfaction

844/1,000

Best for policy personalization

Allstate

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$78/mo

Avg. premium for $250K dwelling

$936/yr

Customer satisfaction

809/1,000

Best for local offices

State Farm

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$66/mo

Avg. premium for $250K dwelling

$796/yr

Customer satisfaction

829/1,000

Best for cheap rates

Travelers

4.1

Rating: 4.1 stars out of 5

Avg. premium for $250K dwelling

$56/mo

Avg. premium for $250K dwelling

$672/yr

Customer satisfaction

790/1,000

Additional New Hampshire home insurance companies to consider

Vermont Mutual

Vermont Mutual

Who this may be best for

Homeowners looking for a local insurance company

National insurers may not be a great fit for every homeowner. For those who prefer a smaller company over a larger one, consider Vermont Mutual. Home insurance policies from Vermont Mutual are only available in a handful of New England states, New Hampshire among them. While you won’t get the laundry list of endorsements you may find with a larger company, Vermont Mutual’s network of local agents could offer valuable insight into more regional home insurance concerns.

The Hanover

The Hanover

Who this may be best for

Homeowners looking for pre-packaged coverage selections

The Hanover offers three pre-packaged coverage options: Connections, Prestige and Platinum. The most common option, the Prestige plan, comes with personal property replacement cost included and adjustable dwelling coverage limits. Although Bankrate’s research shows that rates from The Hanover may be a little higher than some competitors', for new homeowners feeling overwhelmed by the thought of crafting their own bespoke insurance policy, a pre-packaged one from The Hanover may be a smart move.

How Bankrate chose the best home insurance companies in New Hampshire

While we analyzed average premium data from analytics company Quadrant Information Services, Bankrate understands that the best homeowners insurance is not always the cheapest. For this reason, we created our Bankrate Scoring method. Bankrate Scores range from 0.0 to 5.0 (with 5.0 being the highest possible score), and they evaluate carriers on essential metrics like discount opportunities, nationwide availability, digital presence and more. We aim to give our readers a quick way to review carriers holistically as they shop for new coverage.

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46
years of industry expertise
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122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Finding cheap home insurance in New Hampshire

New Hampshire’s home insurance costs may be lower than the national average, but that does not mean every quote you get will be cheap. For homeowners on a stricter budget, Bankrate found some of the more affordable providers in the state. Back to top Caret Up

Cheapest home insurance companies in New Hampshire

Collecting multiple home insurance quotes is an effective way to ensure you’re getting a low price. According to Bankrate’s analysis of average rate data from Quadrant Information Services, the five providers listed in the table below offer some of the cheapest average premiums in New Hampshire.

Carrier Monthly premium for $250k coverage Annual premium for $250k coverage Savings vs state avg. for $250k coverage
$43
$517
- $326
$47
$560
- $283
$56
$672
- $171
Concord Group
$57
$684
- $159
$66
$796
- $47

How to get cheap home insurance in New Hampshire

Unless you own your home outright, you likely need to carry homeowners insurance to meet the terms of your mortgage. However, your home could be the most significant purchase you make in your life, so most insurance experts recommend a well-rounded home insurance policy even if you own your home outright. The following steps could help you find the best cheap home insurance in New Hampshire:

  1. Determine your coverage needs: The first step in finding competitive rates is to figure out how much homeowners insurance you need. If you request too much coverage, then you may end up overpaying. On the other hand, too little coverage could leave you underinsured (or could lead to force-placed insurance if your policy doesn’t meet your loan agreement). Meeting with a licensed agent may help, as can making a home inventory.
  2. Consider your priorities: Different homeowners have different preferences when it comes to their insurance. Homeowners who are less familiar with the insurance space may prefer to work with an agent in person who can walk them through the specifics of their policy. People who live in more remote areas may prefer a carrier with strong digital tools. Considering your endorsement needs, customer service priorities and budget can help you narrow down the best carriers for your unique circumstances.
  3. Request quotes: Once you know what coverage and benefits you need, it’s time to request quotes. Many major carriers offer online quotes, but some require you to speak directly with an agent. Due to the complex and highly personal nature of homeowners insurance, you may find it helpful to chat with a licensed professional, even if the company has an online quoting system. Regardless of how you request your quotes, you'll likely want to ask for the same coverage levels across all companies to ensure an apples-to-apples comparison.

Best home insurance discounts in New Hampshire

Homeowners insurance in New Hampshire may be relatively cheap, but you might save even more by taking advantage of some of the most common homeowners discounts in the state, including:

  • Bundling: If you’re in the market for an auto policy as well as homeowners insurance, you might get a discount for bundling both with the same company. Bundling is not limited just to home and auto; depending on your insurer, you might also be able to get a discount for home and other insurance lines, such as umbrella insurance.
  • Protective devices: Many New Hampshire homeowners insurance companies provide savings to those with smoke detectors, sprinkler systems or burglary alarms installed in their homes.
  • New home: Newer homes often have newer roofs and updated systems. You might qualify for savings on your home insurance if your home is newly built.
  • Claims-free: Statistically, policyholders who’ve filed claims in the past are more likely to file claims in the future. Some companies grant a claims-free discount to homeowners who haven’t filed a claim in a specific timeframe (usually three to five years).
  • Advanced quote: Some carriers will give you a discount if you purchase your policy at least seven days prior to your current policy's expiration date.
  • Homebuyer: Although exciting, purchasing a new home can be hard on your budget. To help, some insurance companies offer a discount If you’ve purchased your home within the last 12 months.

How to save on home insurance policy renewals in New Hampshire

Most home insurance policies renew yearly. Leading up to your renewal date, it can help to take some time to look at your policy and decide if you want to make any money-saving changes. If you’re hit with an unexpected rate hike, these strategies may help you secure a lower price:

  • Ask about discounts: Even something as simple as installing a doorbell camera may get you a discount from your insurer. Review your carrier's discount list regularly to check for additional savings opportunities.
  • Be deliberate about future claims: A home insurance claim will almost always raise your rate. Naturally, it makes more sense to file a claim with your insurance provider for larger repairs like a roof damaged by severe weather. However, if the repair costs are close to or lower than your deductible, you may save more money in the long run by paying out of pocket instead of going through the claims process.
  • Raise your deductible: While not generally advisable for policyholders with limited savings, raising your deductible can result in a lower premium. A higher deductible does mean you assume a larger financial responsibility after a covered claim, but will usually yield a cheaper rate.
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Understanding home insurance costs in New Hampshire

Home insurance costs tend to vary across a state, and New Hampshire is no exception. Living in a higher-risk area, such as one prone to storms, break-ins or other would-be claims can result in higher home insurance prices. Back to top Caret Up

How much is home insurance in New Hampshire?

Luckily for those in the Granite State, the average cost for a home insurance policy in New Hampshire is nearly half the national average. In New Hampshire, the average homeowners insurance rate for $250,000 worth of dwelling coverage is $843. The national average is $1,759.

New Hampshire’s lower-than-average premiums could be due to the state’s relatively low level of risk. Although New Hampshire does experience its fair share of inclement weather (including blizzards and hurricanes), wind risk is much lower here than in other coastal states like Florida and Louisiana. Additionally, New Hampshire doesn’t typically experience as many tornadoes as the Midwest or as many wildfires as the West and Pacific Northwest.   

New Hampshire homeowners insurance rates by city

Your ZIP code plays a primary role in determining your home insurance rate. Looking at average rates by city can give you an idea of how your rates stack up against others' in your area.

New Hampshire homeowners insurance companies can use your ZIP code as a factor to determine how much to charge you for coverage. For instance, homeowners in urban areas may be at higher risk for theft and vandalism than those in rural areas, which could contribute to higher average homeowners insurance rates for city-dwellers.  

If you’re thinking about moving to New Hampshire (or are moving within the state), our assessment shows that the cities below offer some of the cheapest average homeowners insurance rates: 

  • Nashua: $781 per year — 7 percent below state average
  • Troy: $790 per year — 6 percent below state average
  • Winchester: $791 per year — 6 percent below state average
  • Fitzwilliam: $792 per year — 6 percent below state average
  • Marlborough: $793 per year — 6 percent below state average

Although still below the national average, these New Hampshire cities are some of the most expensive in the state when it comes to home insurance premiums: 

  • Rye Beach: $1,023 per year — 21 percent above state average
  • New Castle: $1,013 per year — 20 percent above state average
  • Hampton: $1,000 per year — 19 percent above state average
  • Hampton Falls: $961 per year — 14 percent above state average
  • North Hampton: $952 per year — 13 percent above state average
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Insuring your New Hampshire home

New Hampshire is prone to inclement weather events like snowstorms, freezing temperatures and floods. However, not everything will be covered by your home insurance policy. Get familiar with exactly what your New Hampshire home insurance policy covers so you can identify any potential coverage gaps. Back to top Caret Up

What does home insurance cover in New Hampshire?

There are multiple types of home insurance policies, each designed for different home types and offering varying levels of coverage. The most common is the HO-3, which is what most insurers consider a standard policy. This kind of home insurance covers your home’s physical structure, other structures on your property (like a fence or gazebo) and your personal belongings. An HO-3 will also provide some level of liability coverage and financial protection if your home is made unlivable by a covered claim. For example, if your home burns down and you need to relocate to a hotel, the additional living expenses portion of your policy can help cover hotel fees.

An HO-3 policy covers your home’s dwelling and other structures on an open-peril basis, which means they are financially protected against any loss that is not excluded from your policy. Your personal property, on the other hand, is covered only on a named-peril basis. This means you can only file a claim with your insurance company if your property is damaged by something that is specifically named in your policy.

Data from the Insurance Information Institute (Triple-I) shows that, across the country, these are the most common kinds of home insurance claims:

  • Wind and hail: Wind and hail-related damages accounted for just over 39 percent of all home insurance claims in 2021. Wind and hail storms can be particularly damaging to your roof, but a standard home insurance policy will likely have you covered.
  • Water damage and freezing: New Hampshire's average minimum winter temperatures range between -5 to 15 degrees, which can lead to issues like frozen pipes and ice dams.

Additional home insurance coverage types in New Hampshire

Understanding the risks of home damage in New Hampshire will help you craft a policy that meets your coverage needs. Some common sources of damage are not included in standard home policies. For additional financial protection, you may want to consider:

  • Flood insurance: Flooding is the most common (and costly) natural disaster in New Hampshire. However, flood insurance is not typically included with a standard home insurance policy. Instead, you usually obtain coverage by buying a separate flood insurance policy from your insurance provider or through FEMA’s National Flood Insurance Program (NFIP). Although rare, some property insurers also offer flood coverage as an endorsement to your standard home policy.
  • Water backup and sewer coverage: A standard home insurance policy does not cover drain line 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: Earthquakes may not come to mind when you think of New Hampshire, but the most seismically-active location in New England happens to be right near Concord. The average home insurance policy does not include earthquake insurance, but you might be able to add this endorsement to your policy.

Related content:

Common New Hampshire home insurance problems

New Hampshire’s weather may be a cause of stress for some Granite State homeowners, but other than that, its home insurance market is relatively stable. New Hampshire fares more fortunately than states like California or Florida, where the insurance market is more volatile. That said, buying home insurance in New Hampshire may not always be simple.

Rate increases still affected homeowners across the state. New Hampshire’s home insurance prices may be low compared to the national average, but the average cost of home insurance in the state is 15 percent more than it was in January 2023.

!

Recent news in New Hampshire homeowners insurance market

July 2023 proved to be New Hampshire’s worst month for flooding in the state’s history, with a record-breaking 28 flash floods. Roads closed, the Forest Lake Dam in Winchester failed, and homes across the state took a serious hit. Tornadoes and frigid temperatures also rocked the state throughout last year. But, unlike floods, damage from these weather events are typically covered by a home insurance policy.

If you were one of the many New Hampshire homeowners impacted by the state’s extreme weather, you may have found yourself filing a claim to help cover the damage. If that’s the case, you may find yourself dealing with a rate increase in 2024.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Frequently asked questions

Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute