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Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. Renters insurance defends belongings against fire, smoke damage, a wind storm, theft or vandalism, and a collection of other common mishaps.
Unlike auto insurance, renters policies aren’t priced based on state laws. Even so, there are substantial variations in average renters insurance prices by state. Renters insurance policy rates in US states differ depending on the total number and value of renters claims lodged in that state, and depend on the value of the belongings you're covering.Renters insurance in New Hampshire is less expensive than the national average. The average annual cost of renters insurance in New Hampshire is $116, $68 less expensive than the national average.
The easiest way to get an affordable renters insurance policy in New Hampshire is to get quotes from multiple companies. Learn more about how much renters insurance costs in New Hampshire by referencing the below data. Remember: your rates will vary, depending on your coverage limits and the valuation of your belongings.
Renters insurance prices in New Hampshire can vary depending on which insurance company you use. Amica sells the cheapest renters insurance in New Hampshire — just $94 annually. This is less than the state's mean cost of $116, providing a 19% discount on average policy costs statewide.
Start looking for affordable coverage by reviewing the cheapest New Hampshire renters insurance carriers, listed below.
| Insurer | Average 12-Month Rate in New Hampshire |
| Amica | $93.50 |
| Concord | $94.55 |
| Safeco | $96.97 |
| Vermont | $100.00 |
| Massachusetts Bay | $106.50 |
Renters insurance rates in New Hampshire differ by city. Policies are often priced on city-specific variables, such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.
The cheapest renters insurance in New Hampshire is available in Claremont. In Claremont, the typical renters insurance policy costs $114 each year — $48 less than the state average. The below table shows the best places to live in New Hampshire if you’re looking for cheap renters insurance.
| City | Average Annual Renters Insurance Rate |
| Claremont | $114 |
| Keene | $115 |
| Lebanon | $115 |
| Berlin | $115 |
| Hanover | $115 |
If you're trying to save, consider holding your renters and auto policies with the same insurance company. A renters and auto insurance bundle in New Hampshire can lead to substantial savings on your auto insurance policy. In fact, bundling policies in New Hampshire may generate average annual savings of $57.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. Annual Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,105.32 | $1,048.49 | $56.82 | 5% |
One of the best ways to save on auto insurance is to bundle policies. Get started today!
Renters insurance is commonly required by landlords, not the state, as a stipulation before you can move into their property. There is no state law in New Hampshire that compels renters to have renters insurance.
Many insurance companies that offer insurance products in New Hampshire also provide renters insurance. For a discounted rate and for convenience, consider bundling a renters policy with your existing auto insurance from the same insurer.