Homeowners Insurance in New Hampshire

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

How to find inexpensive insurance for your home in New Hampshire


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.


Home insurance in New Hampshire:
  1. Homeowners rates by company
  2. Rates by city
  3. Home-and-auto bundling discounts
  4. FAQs

Homeowners insurance prices in New Hampshire by insurer

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.


AFFORDABLE HOME INSURANCE COMPANIES IN NEW HAMPSHIRE
CarrierAverage Annual Rate in New Hampshire
Safeco$551.67
Mt Washington$567.30
Commerce$612.87
MetLife$634.87
Vermont$665.49

New Hampshire homeowners insurance costs: by city

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.


AFFORDABLE HOME INSURANCE CITIES IN NEW HAMPSHIRE
CityAverage 12-Month Home Insurance Rate
Milford$782.25
Nashua$796.46
Hudson$801.83
Keene$810.56
Suncook$822.31

New Hampshire insurance bundling discounts: home and auto

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.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN NEW HAMPSHIRE
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,081.00$978.00$103.0011%

One of the best ways to save on auto insurance is bundling. 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.



Compare rates from top car insurance companies.

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