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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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New Hampshire homeowners insurance: what you need to know

The average annual cost of home insurance in New Hampshire is $876 per year or $73 per month, significantly lower than what the average American pays. Homeowners insurance 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.

For example, New Hampshire home insurance is optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. 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.

Table of contents:
  1. Rates by company
  2. Rates by coverage amount
  3. Rates by deductible amount
  4. Rates by city
  5. Bundling savings
  6. Frequently asked questions
  7. Natural disaster coverage

The cheapest home insurance companies in New Hampshire

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. You can also check out our guide to the best home insurance carriers based in part on the results of The Zebra's Customer Satisfaction Survey.

Insurance Company Average Yearly Rate in New Hampshire
Safeco $552
Mt Washington $567
Commerce $613
MetLife $635
Vermont $665

New Hampshire home insurance prices 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.

Coverage Level Average Annual Cost
$100,000 Dwelling $378
$200,000 Dwelling $624
$250,000 Dwelling $717
$400,000 Dwelling $1,057

Homeowners 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 that 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.

Deductible Tier Average Annual Homeowners Insurance Rate
$500 $809
$1,000 $716
$1,500 $675
$2,000 $631
$5,000 $549


New Hampshire homeowners insurance costs by city

Home insurance rates in New Hampshire vary depending on the city. Policy rates rely 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 table below to see the cheapest cities in New Hampshire for home insurance.

City Average 12-Month Home Insurance Rate
Milford $782
Nashua $796
Hudson $802
Keene $811
Suncook $822


Home and auto insurance bundling in New Hampshire

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 an average annual savings of $103.


Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,081 $978 $103 11%


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.



Natural disaster coverage in New Hampshire


Does homeowners insurance cover flooding in New Hampshire?

Flood damage — regardless of origin — is not covered by homeowners insurance policies. To insure your New Hampshire home against flood damage, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer. 

Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:

  • $250,000 for your home’s structure
  • $100,000 for your personal property

If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional protection.

Find an affordable homeowners policy in New Hampshire today!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.