Homeowners insurance shouldn't be complicated. Compare New Hampshire rates by location and carrier below.
Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. A home insurance policy defends your dwelling and property in the event of a number of circumstances, such as fire, theft, vandalism, or wind damage.
Unlike auto insurance, home insurance is not priced based on state-level legislation. Even so, major gaps exist in home insurance costs from state to state. Insurance policy prices in US states differ depending on the number and total value of home insurance claims filed in that particular state, and depend on the price of the belongings and home you're insuring.
The easiest way to get an affordable homeowners insurance policy in New Hampshire is to shop around and compare rates from multiple companies. Get an idea of home insurance rates in New Hampshire by referencing the below tables. Your rates may vary, depending on your coverage limits.
Prices for home insurance in New Hampshire can vary based on the insurance company you use. Safeco sells the cheapest home insurance policies in New Hampshire — $552 per year. This compares favorably to the state average price of $876, providing a $325 discount on rates typical to the state.
Get a head start on looking for home insurance by viewing average rates from top New Hampshire carriers, listed below.
| Carrier | Average Annual Rate in New Hampshire |
| Safeco | $551.67 |
| Mt Washington | $567.30 |
| Commerce | $612.87 |
| MetLife | $634.87 |
| Vermont | $665.49 |
Not all New Hampshire cities have equal homeowners insurance rates. Policy rates rely on on locally specific variables such as the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.
The best home insurance in New Hampshire is found in Milford. A typical homeowners insurance term in Milford totals just $782 every 12 months — $94 less than the average policy in other New Hampshire cities. The below table shows the best places to live in New Hampshire if you’re looking for cheap homeowners insurance.
| City | Average 12-Month Home Insurance Rate |
| Milford | $782.25 |
| Nashua | $796.46 |
| Hudson | $801.83 |
| Keene | $810.56 |
| Suncook | $822.31 |
To trim a few dollars from your insurance costs, consider purchasing both your car and home insurance policies from one company. Bundling homeowners and auto insurance in New Hampshire can lead to substantial savings on your auto insurance policy. Bundling policies in New Hampshire leads to an a yearly discount of $103.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,081.00 | $978.00 | $103.00 | 11% |
One of the best ways to save on auto insurance is bundling. Compare rates today!
While there is no legal mandate that requires homeowners to buy homeowners insurance, when you buy a home, the mortgage lender will require it.
Yes - GEICO offers homeowners insurance in New Hampshire.
