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