Keene Homeowners Insurance

Your Complete Guide to Keene, NH Homeowners Insurance

Find the right homeowners insurance policy for you.


Keene, New Hampshire is a city of over 23,000 residents.  This city is home to Keene State College and Antioch University New England. No matter where you live in New Hampshire, your home can be damaged by fire, severe weather, and even break-ins or vandalism. If you are a homeowner in Keene, the best way to protect your investment in your home is to purchase a reliable homeowners insurance policy. An independent insurance agent can help you obtain an affordable policy with the coverage you need to properly protect your home and your belongings. Independent agents aren’t tied to one insurance company, so they can get competitive quotes and you can make the best choice.

What Is the Average Cost of Homeowners Insurance in Keene, NH?

New Hampshire is the 36th most expensive state for home insurance in the US. The average cost of homeowners coverage in Keene is lower than both the state and national averages.

  • National average yearly premium: $1,211
  • New Hampshire average yearly premium: $972
  • Keene average yearly premium: $801

Everyone’s homeowners insurance rates are a little different. Insurance premiums are based on your individual home’s characteristics and the amount of coverage you need. Depending on the type of home you have, how much it would cost to rebuild it, and a variety of other risk factors that you may have, your Keene home insurance rates may be more or less than average. Some of the factors used to calculate homeowners insurance rates include:

  • The type of home you are insuring (e.g., single-family detached home, multi-family home, mobile home, townhome, etc.)
  • Whether the house you are insuring is your primary residence
  • The size, age, and value of your house 
  • The materials used in your home’s construction
  • Your claims history and credit score
  • Your coverage limits and the deductible that you choose
  • The crime rate and weather risks in your city or ZIP code
  • Whether you are bundling your coverage with other policies like car insurance

It’s important for Keene residents to shop around to get the best local rates on their homeowners insurance. Independent insurance agents can get quotes from multiple insurance companies, so you can compare costs and coverage and make the best choice for your needs and budget. 

Burglary Rate in Keene, NH

The home burglary rate in New Hampshire is very low compared to the national average. The burglary rate in Keene is similar to the national average. 

  • Number of burglaries per 1,000 homes in the US: 3.76
  • Number of burglaries per 1,000 homes in New Hampshire: 1.36
  • Number of burglaries per 1,000 homes in Keene: 4.23

While your Keene home is relatively safe from burglaries, it’s still important to keep safety in mind when it comes to your home. Always lock your doors and keep your home well-lit. And if you install a home security system—the best theft deterrent—you can also earn a discount on your homeowners insurance. A local independent insurance agent can help you be certain that your home and your possessions are properly insured. Expensive jewelry, special collections, artwork, antiques, and other special items often need special endorsements to ensure that they are covered for their full value. 


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Catastrophic Events in New Hampshire

Homeowners in New Hampshire are not immune to catastrophic natural disasters like severe storms and floods. What’s more, Keene homeowners experience harsh winters with freezing temperatures, heavy snow, and biting wind. These elements can cause significant property damage such as damaged roofs and siding, burst pipes, and flooding due to the spring thaw. 

  • Number of declared disasters in New Hampshire: 51
  • Most common reasons for disasters in the state: Severe Storms and Floods
  • Average number of tornadoes per year in New Hampshire: 0.8
  • Average amount of property damage per year in New Hampshire: $153,368,000
  • 1 in 15 insured homes has a claim each year

New Hampshire homeowners insurance protects you from the financial consequences of most property losses you could experience. Whether you have a small fire in your kitchen or you sustain devastating damage after a severe storm, burst pipes, or heavy winds, your homeowners insurance will help reimburse you for repair costs, lost and damaged possessions, and even living expenses if you can’t live at home while you make repairs. Remember that flood damage is not covered by your New Hampshire homeowners insurance policy. New Hampshire residents should consider purchasing separate flood insurance from the National Flood Insurance Program (NFIP). Your independent insurance agent can help guide you. 

Liability Insurance for Keene Homeowners

Liability insurance is one of the most important parts of any homeowners insurance policy. It protects you when someone claims you have caused an injury or property damage. If someone is injured on your property, you could face a lawsuit from the injured party. Your homeowners liability insurance covers costs related to these types of lawsuits, including medical expenses, court costs, attorney fees, and even any settlements that you have to pay to the injured party. 

Second Home and Vacation Home Insurance

It’s important to talk to your insurance agent about how to sufficiently insure all of your residential properties. Because second homes often have different risks than primary residences, you might need insurance coverage that is different from a standard home insurance policy. Whether you own a rental property, vacation home, or hunting cabin, you need the right coverage to make sure the property’s unique risks are covered. 

  • Rental property owners have high liability risks. Landlord insurance can help protect you from the costs of liability claims and lawsuits.
  • Thieves and vandals often target homes that are empty for long periods. What’s more, water damage, ice damage, and fires are more common in homes that are only occupied seasonally. Talk to an independent agent to see if vacant home insurance can help in your situation. 

Why Work with an Independent Insurance Agent?

The easiest way to find a reliable and affordable homeowners insurance policy is by contacting a local independent insurance agent. These agents work for you, not for a particular insurance company, so you can be sure that you are receiving trustworthy guidance and the coverage you need. 

Contact an agent near you to start comparing customized, competitively priced home insurance quotes. 

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