Homeowners Insurance in New Hampshire

Homeowners insurance shouldn't be complicated. Compare New Hampshire rates by location and carrier below.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.
1
Form icon

Personalize your quotes

Provide some basic info so we can find your car insurance quotes. No calls or junk mail, guaranteed.

2
Icon-Shield-5

Compare all in one place

Instantly compare dozens of personalized quotes from top car insurance companies

3
Wallet icon

Enjoy your savings

Save up to $670 per year. It’s free to compare quotes with The Zebra.

_

How to find inexpensive homeowners insurance in New Hampshire


Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A home insurance policy protects your home and your items in the event of a variety of calamities, including wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, homeowners policies aren’t priced based on state-level legislation. Even so, there are major differences in homeowners insurance costs on a state-by-state basis. Homeowners prices by state vary based on the frequency and value of homeowners claims in that particular state, and depend on the price of the belongings and home you're insuring.

The easiest way to find cheap home insurance in New Hampshire is to view prices from as many insurance companies as you can. Find out average home insurance rates in New Hampshire by referencing the below tables. Remember: your rates may differ, depending on your coverage limits.


New Hampshire home insurance:
  1. Homeowners rates by company
  2. By city
  3. Rates by coverage level
  4. Rates by deductible amount
  5. Bundling discounts
  6. FAQs

Home insurance prices in New Hampshire by insurance company

Prices for home insurance in New Hampshire differ based on the insurance company you use. Safeco offers the cheapest home insurance policies in New Hampshire — only $552 yearly. This compares favorably to the state average cost of $876, offering a $325 discount on rates typical to the state.

Begin your search for cheap homeowners insurance by reviewing the cheapest New Hampshire insurance companies, detailed below.


HOME INSURANCE RATES IN NEW HAMPSHIRE: BY CARRIER
InsurerAverage Annual Rate in New Hampshire
Safeco$552
Mt Washington$567
Commerce$613
MetLife$635
Vermont$665

New Hampshire home insurance costs by city

Home insurance rates in New Hampshire vary depending on the city. Policy rates rely on on local variables such as the number of homeowners claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable home insurance rates in New Hampshire are available in Milford. A typical homeowners insurance term in Milford totals just $782 each year — $94 less than the average policy in other New Hampshire cities. Reference the below table to see the cheapest cities in New Hampshire for home insurance.


CHEAPEST HOME INSURANCE CITIES IN NEW HAMPSHIRE
CityAverage Yearly Home Insurance Rate
Milford$782
Nashua$796
Hudson$802
Keene$811
Suncook$822

Home insurance costs in New Hampshire by coverage levels

The amount of home coverage you select has an impact on the insurance premiums you pay. In New Hampshire, carrying $200,000 dwelling coverage costs an average of $624 per year, while maintaining coverage up to $400,000 costs as much as $1,057 per year.


HOMEOWNERS INSURANCE RATES IN NEW HAMPSHIRE — COMMON COVERAGE AMOUNTS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$378
$200,000 Dwelling$624
$250,000 Dwelling$717
$400,000 Dwelling$1,057

Compare Homeowners Insurance Rates

Home insurance deductibles in New Hampshire

One of the many choices that you will make when shopping for a homeowners policy is how high or low to set your deductible. The deductible is the amount the insured is responsible for paying toward a covered loss. The deductible level you choose can have a big impact on home insurance rates.

A good rule of thumb is: the lower your deductible, the higher your premium. Therefore, if you need your home insurance rates to be lower, you’ll want to keep your deductible higher. Remember: your homeowners deductible should not be set at an amount that you would have difficulty paying in the event of a loss.

The following chart reveals the average premium costs affiliated with most deductibles.


HOME INSURANCE RATES BY DEDUCTIBLE TIER IN NEW HAMPSHIRE
Deductible TierAverage Annual Home Insurance Rate
$500$809
$1,000$716
$1,500$675
$2,000$631
$5,000$549

New Hampshire insurance bundling discounts: homeowners and auto

If you want to save on insurance, consider purchasing your homeowners and car insurance policies from the same company. A home and car insurance bundle in New Hampshire can lead to substantial savings on your auto insurance policy. Bundling policies in New Hampshire leads to average annual savings of $103.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN NEW HAMPSHIRE
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle Savings% Savings with Bundle
$1,081$978$10311%

A great way to save is to bundle your home and auto insurance policies. Compare rates today!



New Hampshire homeowners insurance FAQs


Is homeowners insurance required in New Hampshire?

While there is no legal mandate that requires homeowners to buy homeowners insurance, when you buy a home, the mortgage lender will require it.

Does GEICO sell home insurance in New Hampshire?

Yes - GEICO offers homeowners insurance in New Hampshire.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.