Popular Questions about New Hampshire Homeowners Insurance

Your New Hampshire homeowners insurance costs can vary depending on a variety of factors. However, the average New Hampshire home insurance rate is $972 annually, which is lower than the national average of $1,211 per year. You can obtain specific pricing through a licensed professional in your area.

New Hampshire homeowners insurance provides protection for a fire, theft, vandalism, or severe weather loss under the following coverages:

  • Dwelling value
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments
  • Additional living expenses

While homeowners insurance is not required in New Hampshire by law, a mortgage lender will have their own regulations. A lienholder will mandate home coverage in order to obtain a loan on your property. With New Hampshire having 153,368,000 home insurance claims paid in one year, the proper policy will keep your finances secure. 

Your New Hampshire homeowners insurance rates are calculated by carriers using numerous risk factors. Take a peek at which ones most affect your home insurance pricing:

  • Replacement cost of your home
  • Prior claims reported 
  • Local crime rates
  • Local natural disasters reported
  • Coverages selected  

Yes, New Hampshire currently has 167 independent insurance agencies to choose from for homeowners insurance. They do the shopping at zero cost to you so that you're presented with the best options on policy and premium in town.  

Every state has licensed carriers that work with local agencies to provide you with the best protection. In New Hampshire, Plymouth Rock Assurance, Progressive, and Safeco insurance companies come highly rated. These markets are known for being competitive and reliable, putting them in the top tier of carriers.  

Do You Know What Your New Hampshire Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Bedford$1,297$427,8400.8
Concord$862$209,9603.43
Derry$793$215,6751.62
Dover$843$229,4221.58
Keene$801$182,8114.23
Londonderry$1,060$293,1571.15
Manchester$947$219,3004.42
Merrimack$961$274,7020.55
Nashua$931$256,8001.3
Portsmouth$1,359$383,1631.19
Rochester$760$155,3243.47
Salem$1,120$312,9590.86
  1. $79
  2. Manchester, NH Monthly average home insurance cost
  3. The average monthly cost of home insurance in Manchester: $79 
  4. Homeowners insurance rates in can vary from one property owner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the materials used in your house’s construction, the crime rate in your ZIP code, and even your credit score.
  5. One of the most common hazards faced by homeowners in Manchester is property crimes. Though still lower than the national average, the burglary rate in this city is among the highest in the state. Fortunately, your Manchester homeowners insurance covers against property loss and damage to your home if you are the victim of a burglary. 


  1. $78
  2. Nashua, NH Monthly average home insurance cost
  3. The average monthly cost of home insurance in Nashua: $78 
  4. Because your homeowners insurance is completely customized to you and your home, your monthly premium may be more or less than this average. Insurance companies consider your home’s size, value, location, and other factors when they calculate your monthly rate. 
  5. When hurricanes make landfall along the Eastern Seaboard, residents of Nashua often experience heavy winds and torrential downpours. While homeowners insurance will cover the damage caused by severe storms, it will not cover flood damage. Since flooding is a concern for many residents of this city, it is a good idea to invest in a supplementary flood insurance policy through the National Flood Insurance Program (NFIP). 


  1. $72
  2. Concord, NH Monthly average home insurance cost
  3. The average monthly cost of home insurance in Concord: $72 
  4. Of course, what you are actually asked to pay may differ from this amount, depending on the specific risks associated with your home. Your rate will be calculated according to factors like the size of your house, the crime rate and weather risks in your ZIP code, your claims history and credit rating, and more. 
  5. Hailstorms can be a problem in Concord. Hailstones like the 1.5-inch stones that fell on this city in 2018 can cause significant destruction to your roof, siding, and peripheral structures. If hail causes damage to your home, how will you pay for repairs? With Concord homeowners insurance, you can have peace of mind from knowing that your home can be returned to normal without you facing a large personal expense. 


  1. $66
  2. Derry, NH Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Derry: $66 
  4. Of course, your house is not the same as every other house in your neighborhood. While you and your neighbors may face the same crime and weather risks, your homeowners insurance premium is also based on factors like the size and value of your home, the age of your roof, your claims history, and your credit score. Your quoted rate for Derry homeowners insurance may therefore be higher or lower than this average.
  5. One of the most devastating things that can happen to a homeowner is an accidental house fire. In addition to damaging the structure of your house, a fire can lead to the total loss of your personal belongings, including your furniture, clothing, electronics, kitchenware, and more. That is why it is important for your dwelling coverage to be high enough to enable you to rebuild your home, and for your contents coverage to be high enough to cover the cost of replacing your lost or damaged property.


  1. $70
  2. Dover, NH Monthly average home insurance cost
  3. The average monthly cost of home insurance in Dover: $70 
  4. Of course, not all Dover homeowners will pay the same for their home insurance. Your monthly rate is based on the crime and weather risks in your ZIP code, the size and value of your home, the building materials used in your house’s construction, your claims history, and more.
  5. Severe storms in Dover have been known to cause significant damage to area homes. Whether due to lightning strikes, heavy winds, hail, or toppled trees, this damage can be extremely expensive to repair. Fortunately, your home insurance is likely to pick up the tab once your deductible is met. Though rare, it is also possible for a major storm to spawn a tornado. In 1976, an F2 twister touched down less than five miles from the Dover city center. It may bring you some comfort to know that tornado damage is also covered by most home insurance policies.