How to get affordable renters insurance in New Hampshire
Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy defends belongings against fire, smoke damage, a wind storm, vandalism, theft and an array of other mishaps.
Unlike auto insurance, renters policies aren’t priced based on state-level laws. Even so, there are sometimes substantial gaps in renters insurance prices by state. Renters insurance policy rates in a given state may vary based on the value and number of renters claims filed statewide, and depend on the value of the belongings insured on the policy.
Getting renters insurance in New Hampshire is less expensive than the US average. The typical annual renters insurance rate in New Hampshire is $116, $68 less expensive than the national average.
The best way to get an affordable renters insurance policy in New Hampshire is to view prices from as many insurance companies as you can. Learn more about renters insurance rates in New Hampshire via the below breakdown. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.
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Renters insurance prices in New Hampshire by company
Renters insurance prices in New Hampshire vary depending on the insurer you choose. Amica underwrites the most affordable renters insurance policies in New Hampshire — $94 per year. This compares favorably to the state mean cost of $116, offering a 19% discount on average statewide renters insurance costs.
Get a head start on looking for a renters insurance policy by viewing average rates from top New Hampshire carriers, listed below.
AFFORDABLE RENTERS INSURANCE COMPANIES IN NEW HAMPSHIRE
| Insurer | Average Annual Rate in New Hampshire |
| Amica | $94 |
| Concord | $95 |
| Safeco | $97 |
| Vermont | $100 |
| Massachusetts Bay | $107 |
New Hampshire renters insurance costs by city
Not all New Hampshire cities have the same renters insurance rates. Pricing may depend on local variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.
The best renters insurance rates in New Hampshire are available in Claremont. In Claremont, the typical renters insurance policy costs $114 per year — $48 less than the state average. Reference the below table to see the cheapest cities in New Hampshire for renters insurance.
CHEAPEST CITIES FOR RENTERS INSURANCE IN NEW HAMPSHIRE
| City | Average Annual Renters Insurance Rate |
| Claremont | $114 |
| Keene | $115 |
| Lebanon | $115 |
| Berlin | $115 |
| Hanover | $115 |
Renters insurance in NH by coverage tier
The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In New Hampshire, the average annual cost difference between these tiers is roughly $30. If you can afford to insure your personal property at this additional expense, it's worth considering.
| Coverage Level | Average Yearly Renters Insurance Rate in New Hampshire |
| $25K Property | $101 |
| $50K Property | $131 |
Tip: bundle auto and renters insurance in New Hampshire
If you want to save on insurance, consider holding your car and renters policies with the same insurance company. Bundling renters and auto insurance in New Hampshire can lead to substantial savings on car insurance. Purchasing bundled policies in New Hampshire leads to an a yearly discount of $57.
CAR AND RENTERS BUNDLING DISCOUNTS IN NEW HAMPSHIRE
| Avg. Annual Rate (No Bundle) | Avg. Annual Rate (w/ Bundle) | Annual Savings ($) | Annual Savings (%) |
| $1,105 | $1,048 | $57 | 5% |
New Hampshire renters insurance FAQs
Is renters insurance required in New Hampshire?
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.
What does New Hampshire renters insurance cover?
In New Hampshire, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be unihabitable.
