Compare accounts

Get guidance

Compare accounts

Get guidance

Money market accounts

Money market accounts are similar to savings accounts, but offer some checking features as well.

Get guidance

Banking

Skip the searching and find your next bank in minutes with BankMatch℠.

Get guidance

Compare rates

Get guidance

Compare rates

Get guidance

Buying & selling

Find an expert who knows the market. Compare trusted real estate agents all in one place.

Get guidance

Compare investments

Get guidance

Compare plans

Get guidance

Finding an advisor

Get guidance

Compare cards

Find your fit

See your card matches

Answer a few quick questions and we’ll show you your top credit card options.

Compare cards

See what the experts say

Read in-depth credit card reviews to find out which cards have the best perks and more.

Get guidance

Compare lenders

Get guidance

Compare lenders

Get guidance

Compare lenders

Get guidance

Compare lenders

Get guidance

HELOC

A HELOC is a variable-rate line of credit that lets you borrow funds for a set period and repay them later.

Home equity basics

Home equity loans

Home equity loans let you borrow a lump sum at a fixed rate, based on how much of the home you own outright.

Get guidance

Compare rates

Get guidance

Compare rates

Get guidance

Compare companies

Get guidance

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best homeowners insurance companies in New Hampshire for 2024

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The Bankrate Promise

At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict  editorial integrity, this post may contain references to products from our partners. Here’s an explanation of  how we make money. Our content is backed by Coverage.com  LLC, a licensed entity (NPN: 19966249). For more information, please see our  Insurance Disclosure.

On this page

Bankrate's team of insurance experts conducted a study to find the best homeowners insurance companies in New Hampshire. We know fitting home insurance into your budget can be a challenge — especially when everything only seems to be getting more expensive — so we analyzed average premium data from Quadrant Information Services to find some of the cheapest companies. However, your insurance company should be there when you need it most, so we also reviewed other metrics, such as third-party customer satisfaction scores, financial strength ratings and coverage options.

During our research, we found that the average cost of a homeowners insurance policy with $300,000 in dwelling coverage is nearly 56 percent less than the national average. We also discovered that floods are the most common natural disaster in the state. Since homeowners insurance does not typically cover floods, New Hampshirites may want to consider purchasing a flood policy. Based on our assessment, the best homeowners insurance in New Hampshire might be found with the following companies, depending on your needs.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Editorial integrity

Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.

We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.

Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

How we make money

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.

Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.

We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

On This Page

On This Page

Compare the best homeowners insurance companies in New Hampshire

According to proprietary rate data provided by Quadrant Information Services, the average cost of home insurance in New Hampshire for $300,000 in dwelling coverage is $941 per year. While this is cheaper than many other states, insurance rates are based on your personal rating factors such as the age of your home, your claims history, and in New Hampshire, even your credit history. As such, you could be paying more or less than the average.

Aside from average rates, we also reviewed third-party customer satisfaction scores as reported in the J.D. Power 2023 U.S. Home Insurance Study, coverage options and more. Based on this information, those looking for the best New Hampshire home insurance may want to check out USAA, Allstate, Amica, Travelers and Allstate.

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate's trusted insurance industry expertise

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in New Hampshire

Best for military-focused coverage options

4.7

4.7

Avg. premium for $300K dwelling

$90/mo

Avg. premium for $300K dwelling

$1,075/yr

Customer satisfaction

881/1,000

Why USAA made our list: Although USAA is not officially ranked due to its strict eligibility requirements, USAA consistently scores among the top home insurance companies for customer and claims satisfaction, according to J.D. Power. Those who qualify for coverage can enjoy military-focused coverage options that may not be found with other carriers. For instance, USAA covers military uniforms for active-duty military, with no deductible. Personal property damaged or lost due to war may also be covered. These coverage options helped USAA tie for the best home insurance company overall in the 2024 Bankrate Awards.

Who USAA may be good for: Active-duty military members, veterans and their eligible immediate family members who want excellent customer service, military-focused coverage add-ons and generally inexpensive premiums might want to request a quote from USAA.

CheckmarkPros

Close XCons

USAA home insurance policies automatically insure your personal property at replacement cost value and include up to $5,000 in identity theft coverage. You can further build out your New Hampshire home insurance policy with these additional coverage types:

Best for top-notch customer service

4.6

4.6

Avg. premium for $300K dwelling

$53/mo

Avg. premium for $300K dwelling

$634/yr

Customer satisfaction

844/1,000

Why Amica made our list: Amica earned the highest customer satisfaction scores from J.D. Power out of every officially ranked New Hampshire homeowners insurance company on this list. It landed in the second-best spot in the J.D. Power 2023 U.S. Property Claims Satisfaction Study. These stellar results suggest that Amica’s home insurance policyholders are happy with the company’s customer service and claim handling. In addition to top-notch service, Amica policyholders might enjoy a streamlined shopping experience through the company’s prebuilt home insurance coverage packages. To discuss a quote with Amica, those interested can contact Amica over the phone or by visiting www.amica.com.

Who Amica may be good for: New homeowners (or those unfamiliar with homeowners insurance) might want to contact Amica, especially if they value customer service over low prices.

CheckmarkPros

Close XCons

The additional coverage types listed below are available to add to Amica’s Standard Choice HO-3 policy. Its Platinum Choice HO-5 policy tier comes with a few different add-ons.

Best for policy personalization

4.2

4.2

Avg. premium for $300K dwelling

$69/mo

Avg. premium for $300K dwelling

$831/yr

Customer satisfaction

809/1,000

Why Allstate made our list: Allstate was one of two 2024 Bankrate Award winners for best home insurance company overall, partly due to its robust endorsement options. Homeowners in New Hampshire can personalize their policies with water backup coverage, sports equipment coverage, business property coverage and increase their limits for trees and other landscaping features. The company even offers green home improvement reimbursement coverage, which could cover the extra cost of replacing damaged home features with environmentally friendly alternatives.

Who Allstate may be good for: Allstate could be an excellent choice for New Hampshire homeowners willing to spend a little more for a wide range of home insurance endorsement options.

CheckmarkPros

Close XCons

On top of the endorsements we listed above, New Hampshire homeowners can also get these coverage types from Allstate:

Best for local offices

4.2

4.2

Avg. premium for $300K dwelling

$73/mo

Avg. premium for $300K dwelling

$880/yr

Customer satisfaction

829/1,000

Why State Farm made our list: New Hampshire may be a smaller state, but State Farm still has a vast network of local agents across the state. State Farm also offers a highly-rated mobile app, an online policy portal and a contact center — if you don’t have the time to stop into your neighborhood agency, you have options. You may have to request a quote to get a complete list of the company’s home insurance endorsements, but the company offers several lines of insurance, including auto, motorcycle, boat, umbrella and several types of life insurance.

Who State Farm may be good for: Homeowners who prefer the personal touch of a local agent might enjoy State Farm’s home insurance.

CheckmarkPros

Close XCons

Compared to other national insurers, State Farm does not advertise as many additional coverage types on its website. You will likely need to contact a company representative for a complete list of the ways you can customize a State Farm home insurance policy, but some options include:

Best for cheap rates

4.1

4.1

Avg. premium for $300K dwelling

$61/mo

Avg. premium for $300K dwelling

$726/yr

Customer satisfaction

790/1,000

Why Travelers made our list: Travelers could be the best New Hampshire homeowners insurance company for shoppers looking for the lowest premium, as it is one of the cheapest providers on our list. However, although Travelers offers low rates, it doesn’t skimp on coverage options. Homeowners could add extra financial protection for their jewelry, bolster themselves against identity fraud or add replacement cost coverage for their dwelling or personal property.

Who Travelers may be good for: Homeowners in New Hampshire who value cheap rates over customer service may find that Travelers is the company for them.

CheckmarkPros

Close XCons

Like Allstate, Travelers offers New Hampshire policyholders multiple ways to tailor their insurance to their needs.

Additional New Hampshire home insurance companies to consider

Vermont Mutual

Who this may be best for

Homeowners looking for a local insurance company

National insurers may not be a great fit for every homeowner. For those who prefer a smaller company over a larger one, consider Vermont Mutual. Home insurance policies from Vermont Mutual are only available in a handful of New England states, New Hampshire among them. While you won’t get the laundry list of endorsements you may find with a larger company, Vermont Mutual’s network of local agents could offer valuable insight into more regional home insurance concerns.

The Hanover

Who this may be best for

Homeowners looking for pre-packaged coverage selections

The Hanover offers three pre-packaged coverage options: Connections, Prestige and Platinum. The most common option, the Prestige plan, comes with personal property replacement cost included and adjustable dwelling coverage limits. Although Bankrate’s research shows that rates from The Hanover may be a little higher than some competitors', for new homeowners feeling overwhelmed by the thought of crafting their own bespoke insurance policy, a pre-packaged one from The Hanover may be a smart move.

How Bankrate chose the best home insurance companies in New Hampshire

While we analyzed average premium data from analytics company Quadrant Information Services, Bankrate understands that the best homeowners insurance is not always the cheapest. For this reason, we created our Bankrate Scoring method. Bankrate Scores range from 0.0 to 5.0 (with 5.0 being the highest possible score), and they evaluate carriers on essential metrics like discount opportunities, nationwide availability, digital presence and more. We aim to give our readers a quick way to review carriers holistically as they shop for new coverage.

Cheapest home insurance companies in New Hampshire

Collecting multiple home insurance quotes is an effective way to ensure you’re getting a low price. According to Bankrate’s analysis of average rate data from Quadrant Information Services, the five providers listed in the table below offer some of the cheapest average premiums in New Hampshire.

Bankrate’s picks for the best cheap home insurance in New Hampshire represent the cheapest of the larger insurers in the state by market share.

Bankrate’s picks for the best cheap home insurance in New Hampshire represent the cheapest of the larger insurers in the state by market share.

How to get cheap home insurance in New Hampshire

Unless you own your home outright, you likely need to carry homeowners insurance to meet the terms of your mortgage. However, your home could be the most significant purchase you make in your life, so most insurance experts recommend a well-rounded home insurance policy even if you own your home outright. The following steps could help you find the best cheap home insurance in New Hampshire:

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Leaving so soon? Your custom quotes are just minutes away.

Best home insurance discounts in New Hampshire

Homeowners insurance in New Hampshire may be relatively cheap, but you might save even more by taking advantage of some of the most common homeowners discounts in the state, including:

How to save on home insurance policy renewals in New Hampshire

Most home insurance policies renew yearly. Leading up to your renewal date, it can help to take some time to look at your policy and decide if you want to make any money-saving changes. If you’re hit with an unexpected rate hike, these strategies may help you secure a lower price:

How much is home insurance in New Hampshire?

Luckily for those in the Granite State, the average cost for a home insurance policy in New Hampshire is nearly half the national average. In New Hampshire, the average homeowners insurance rate for $300,000 worth of dwelling coverage is $941. The national average is $2,151.

New Hampshire’s lower-than-average premiums could be due to the state’s relatively low level of risk. Although New Hampshire does experience its fair share of inclement weather (including blizzards and hurricanes), wind risk is much lower here than in other coastal states like Florida and Louisiana. Additionally, New Hampshire doesn’t typically experience as many tornadoes as the Midwest or as many wildfires as the West and Pacific Northwest.   

New Hampshire homeowners insurance rates by city

Your ZIP code plays a primary role in determining your home insurance rate. Looking at average rates by city can give you an idea of how your rates stack up against others' in your area.

New Hampshire homeowners insurance companies can use your ZIP code as a factor to determine how much to charge you for coverage. For instance, homeowners in urban areas may be at higher risk for theft and vandalism than those in rural areas, which could contribute to higher average homeowners insurance rates for city-dwellers.  

If you’re thinking about moving to New Hampshire (or are moving within the state), our assessment shows that the cities below offer some of the cheapest average homeowners insurance rates: 

Although still below the national average, these New Hampshire cities are some of the most expensive in the state when it comes to home insurance premiums: 

What does home insurance cover in New Hampshire?

There are multiple types of home insurance policies, each designed for different home types and offering varying levels of coverage. The most common is the HO-3, which is what most insurers consider a standard policy. This kind of home insurance covers your home’s physical structure, other structures on your property (like a fence or gazebo) and your personal belongings. An HO-3 will also provide some level of liability coverage and financial protection if your home is made unlivable by a covered claim. For example, if your home burns down and you need to relocate to a hotel, the additional living expenses portion of your policy can help cover hotel fees.

An HO-3 policy covers your home’s dwelling and other structures on an open-peril basis, which means they are financially protected against any loss that is not excluded from your policy. Your personal property, on the other hand, is covered only on a named-peril basis. This means you can only file a claim with your insurance company if your property is damaged by something that is specifically named in your policy.

Data from the Insurance Information Institute (Triple-I) shows that, across the country, these are the most common kinds of home insurance claims:

Additional home insurance coverage types in New Hampshire

Understanding the risks of home damage in New Hampshire will help you craft a policy that meets your coverage needs. Some common sources of damage are not included in standard home policies. For additional financial protection, you may want to consider:

Related content:

Guide to flood insurance Previously Read

How to buy flood insurance coverage Previously Read

12 Steps to prepare your home for winter Previously Read

Common New Hampshire home insurance problems

New Hampshire’s weather may be a cause of stress for some Granite State homeowners, but other than that, its home insurance market is relatively stable. New Hampshire fares more fortunately than states like California or Florida, where the insurance market is more volatile. That said, buying home insurance in New Hampshire may not always be simple.

Rate increases still affected homeowners across the state. New Hampshire’s home insurance prices may be low compared to the national average, but the average cost of home insurance in the state is 28 percent more than it was in January 2023.

!

July 2023 proved to be New Hampshire’s worst month for flooding in the state’s history, with a record-breaking 28 flash floods. Roads closed, the Forest Lake Dam in Winchester failed, and homes across the state took a serious hit. Tornadoes and frigid temperatures also rocked the state throughout last year. But, unlike floods, damage from these weather events are typically covered by a home insurance policy.

If you were one of the many New Hampshire homeowners impacted by the state’s extreme weather, you may have found yourself filing a claim to help cover the damage. If that’s the case, you may find yourself dealing with a rate increase in 2024.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Powered by Coverage.com (NPN: 19966249)

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Leaving so soon? Your custom quotes are just minutes away.

Frequently asked questions

What is the cheapest homeowners insurance in New Hampshire?

The cost of homeowners insurance can depend on many factors, including your credit history, the age of your home and its location. However, our studies show that USAA, Nationwide and Travelers offer some of the lowest home insurance rates in New Hampshire. If you are looking for the cheapest home insurance company, you may want to get quotes from several carriers to compare prices.

The cost of homeowners insurance can depend on many factors, including your credit history, the age of your home and its location. However, our studies show that USAA, Nationwide and Travelers offer some of the lowest home insurance rates in New Hampshire. If you are looking for the cheapest home insurance company, you may want to get quotes from several carriers to compare prices.

How do I get homeowners insurance in New Hampshire?

You’ll start by getting quotes. You can often do this online, or you can call a company or visit a local agency. Many insurance experts recommend that you get at least three quotes to compare. Once you find a provider you’d like to buy coverage from, you may need to sign an application and make at least one month’s payment, unless your home insurance is paid from your escrow account.

You’ll start by getting quotes. You can often do this online, or you can call a company or visit a local agency. Many insurance experts recommend that you get at least three quotes to compare. Once you find a provider you’d like to buy coverage from, you may need to sign an application and make at least one month’s payment, unless your home insurance is paid from your escrow account.

Are rural New Hampshire homes more expensive to insure?

Home insurance companies typically use a handful of factors to determine your rate, and your location is just one piece of the puzzle. Rural homes can be expensive to insure, depending on their proximity to emergency services. Homes within five miles of a fire station and 1,000 feet of a fire hydrant may receive lower rates since it is more likely that fires and other emergency situations can be attended to before they cause massive amounts of damage. However, theft and vandalism might be more likely in a large city, which could drive average home insurance costs up.

Home insurance companies typically use a handful of factors to determine your rate, and your location is just one piece of the puzzle. Rural homes can be expensive to insure, depending on their proximity to emergency services. Homes within five miles of a fire station and 1,000 feet of a fire hydrant may receive lower rates since it is more likely that fires and other emergency situations can be attended to before they cause massive amounts of damage. However, theft and vandalism might be more likely in a large city, which could drive average home insurance costs up.

New Hampshire does not by law require residents to carry homeowners insurance. However, the financial institution that you work with to secure a mortgage is likely to require you to have a homeowners insurance policy in order to move forward with the sale.

New Hampshire does not by law require residents to carry homeowners insurance. However, the financial institution that you work with to secure a mortgage is likely to require you to have a homeowners insurance policy in order to move forward with the sale.

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.

Bankrate logo Bankrate

About

Help

Legal

How we make money

Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.

Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access

© 2024 Bankrate, LLC. A Red Ventures company. All Rights Reserved.