The typical price of house owners insurance coverage in New Hampshire is $865 per yr, or about $72 per 30 days, in accordance with a TWP evaluation. That’s lower than the nationwide common of $1,820 per yr.
Word: Some insurance coverage firms included on this article could have made adjustments of their underwriting practices and not concern new insurance policies in your state.
Why you possibly can belief TWP
Our writers and editors observe strict editorial tips to make sure equity and accuracy in our writing and information analyses. You may belief the costs we present you as a result of our information analysts take rigorous measures to eradicate inaccuracies in pricing information and will replace charges for accuracy as new info turns into out there.
We embody charges from each locale within the nation the place protection is obtainable and information is accessible. When evaluating charges for various protection quantities and backgrounds, we alter just one variable at a time, so you possibly can simply see how every issue impacts pricing.
Our pattern home-owner had good credit score, $300,000 of dwelling protection, $300,000 of legal responsibility protection and a $1,000 deductible.
The very best owners insurance coverage in New Hampshire
If you happen to’re seeking to purchase owners insurance coverage from a well-rated nationwide model, think about one in every of these insurers from TWP’s checklist of the Greatest Owners Insurance coverage Firms.
5.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
5.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
*USAA owners insurance policies can be found solely to active-duty army members, veterans and their households.
Extra about the very best dwelling insurance coverage firms in New Hampshire
State Farm
5.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Properly-established insurer with a prolonged checklist of protection choices.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Fewer than anticipated
Consumer-friendly web site.
Brokers supply customized service.
Insurance policies typically embody further protection on your dwelling’s construction.
Fewer reductions than another insurers.
Consists of extra beneficiant dwelling protection in customary insurance policies than many different insurers do.
State Farm
5.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Properly-established insurer with a prolonged checklist of protection choices.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Fewer than anticipated
Consumer-friendly web site.
Brokers supply customized service.
Insurance policies typically embody further protection on your dwelling’s construction.
Fewer reductions than another insurers.
Consists of extra beneficiant dwelling protection in customary insurance policies than many different insurers do.
As America’s largest insurer, State Farm stands out for its lengthy checklist of protection choices. Its insurance policies typically embody further dwelling protection in case it prices greater than anticipated to rebuild your property after a lined catastrophe. You may additionally be capable to add protection for issues like id theft, injury from backed-up drains and private damage legal responsibility.
State Farm provides a free Ting machine as a perk for dwelling insurance coverage policyholders. Ting is a brilliant plug that displays your property’s electrical community to assist stop fires.
Vermont Mutual
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Regional insurer since 1828, promoting owners insurance coverage within the Northeast by unbiased brokers.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Only a few reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Attracts far fewer complaints than anticipated for an insurer of its measurement.
Provides a bundling low cost should you purchase each owners and auto insurance coverage.
Can’t get a web based quote.
Properly-established firm with good monetary energy and a variety of protection choices.
Vermont Mutual
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Regional insurer since 1828, promoting owners insurance coverage within the Northeast by unbiased brokers.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Only a few reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Attracts far fewer complaints than anticipated for an insurer of its measurement.
Provides a bundling low cost should you purchase each owners and auto insurance coverage.
Can’t get a web based quote.
Properly-established firm with good monetary energy and a variety of protection choices.
Based in 1828, Vermont Mutual sells owners insurance coverage by native unbiased brokers. The corporate stands out for service, drawing far fewer complaints than anticipated for an insurer of its measurement.
You could possibly add protection for main home equipment akin to water heaters, laundry machines or photo voltaic power methods. Different endorsements could also be out there to cowl id theft, injury to underground service strains, backed-up drains and theft of high-priced jewellery.
Amica
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Properly-established insurer identified for nice customer support.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Excessive buyer satisfaction scores and low client complaints.
House Verify app may help with dwelling upkeep.
Easy on-line claims submitting and monitoring.
You can begin a quote on-line however have to complete the shopping for course of by telephone.
Has an accepted contractor program to assist with claims and an app with dwelling upkeep suggestions.
Amica
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Properly-established insurer identified for nice customer support.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Excessive buyer satisfaction scores and low client complaints.
House Verify app may help with dwelling upkeep.
Easy on-line claims submitting and monitoring.
You can begin a quote on-line however have to complete the shopping for course of by telephone.
Has an accepted contractor program to assist with claims and an app with dwelling upkeep suggestions.
Rhode Island-based Amica stands out for its customer support and broad vary of protection choices. The corporate has drawn considerably fewer client complaints to state regulators than anticipated for an insurer of its measurement, in accordance with the Nationwide Affiliation of Insurance coverage Commissioners (NAIC).
You may customise your coverage with further protection above your dwelling restrict in case your home prices extra to rebuild than anticipated. You may additionally wish to add protection for injury from water backups or restoration from id theft.
Nationwide
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
For consumers in search of a broad vary of protection choices, Nationwide could match the invoice.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Near anticipated
Provides some protection customary that different firms cost further for.
Numerous reductions out there.
Web site provides a lot of helpful options and knowledge.
Would not insure cell or manufactured houses.
Nationwide's insurance policies are broadly out there throughout the nation and supply a wide range of helpful protection decisions. The corporate additionally has a strong checklist of reductions that can assist you save in your coverage.
Nationwide
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
For consumers in search of a broad vary of protection choices, Nationwide could match the invoice.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Near anticipated
Provides some protection customary that different firms cost further for.
Numerous reductions out there.
Web site provides a lot of helpful options and knowledge.
Would not insure cell or manufactured houses.
Nationwide's insurance policies are broadly out there throughout the nation and supply a wide range of helpful protection decisions. The corporate additionally has a strong checklist of reductions that can assist you save in your coverage.
We like Nationwide for its large number of protection choices. For instance, its customary owners insurance coverage coverage typically consists of ordinance or regulation protection, which may help pay to deliver your property as much as present constructing codes after a lined declare. You may add different protection for issues like id theft and injury from backed-up sewers and drains.
Relying on how a lot private help you want, you will get a quote for owners insurance coverage on the Nationwide web site or work with an area agent as an alternative. You can even use the web site to pay payments, file claims or examine declare standing.
Hanover
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Greatest for owners on the lookout for some ways to customise their coverage.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
In depth checklist of protection choices.
Far fewer client complaints than anticipated for a corporation of its measurement.
Has a number of protection packages, together with a beneficiant one for higher-value houses.
Hanover
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Greatest for owners on the lookout for some ways to customise their coverage.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
In depth checklist of protection choices.
Far fewer client complaints than anticipated for a corporation of its measurement.
Has a number of protection packages, together with a beneficiant one for higher-value houses.
The Hanover provides owners plenty of decisions. You may go for an auto/dwelling bundle, a coverage designed for high-value houses or a standalone coverage for the standard home. You may additional customise your coverage with a variety of protection choices for issues like assured substitute price protection, which pays as a lot because it takes to rebuild your property after a catastrophe.
The Hanover sells insurance policies completely by native unbiased brokers. Meaning on-line quotes aren’t out there, however you will get private service that can assist you select the precise protection.
USAA
5.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Provides perks for the army group.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Under common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Insurance policies embody customary protection that usually prices further elsewhere.
Far fewer buyer complaints to state regulators than anticipated for a corporation of its measurement.
Obtainable solely to energetic army members, veterans and their households.
Beneficiant protection and options for the army group.
USAA
5.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation takes into consideration client grievance and buyer satisfaction information.
Provides perks for the army group.
Protection choicesRankings are primarily based on the variety of protection choices an organization provides compared to different insurers.
Under common
ReductionsRankings are primarily based on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are primarily based on complaints to state regulators relative to an organization’s measurement, in accordance with three years’ price of information from the Nationwide Affiliation of Insurance coverage Commissioners. TWP conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
Insurance policies embody customary protection that usually prices further elsewhere.
Far fewer buyer complaints to state regulators than anticipated for a corporation of its measurement.
Obtainable solely to energetic army members, veterans and their households.
Beneficiant protection and options for the army group.
USAA sells owners insurance coverage to veterans, active-duty army members and their households. If you happen to fall into a kind of teams, you would possibly wish to look into USAA’s choices. The corporate’s owners insurance policies embody some distinctive perks akin to deductible-free protection for army uniforms and protection for id theft.
Owners in New Hampshire can participate within the firm’s Linked House program, which provides you a reduction in your coverage should you purchase and set up accepted smart-home units. These embody water leak sensors, cameras and thermostats.
How a lot does owners insurance coverage price in New Hampshire?
The typical annual price of dwelling insurance coverage in New Hampshire is $865. That’s 52% lower than the nationwide common of $1,820.
In most states, together with New Hampshire, many insurers use your credit-based insurance coverage rating to assist set charges. Your insurance coverage rating is comparable however not equivalent to your conventional credit score rating.
In New Hampshire, these with poor credit score pay a mean of $1,500 per yr for owners insurance coverage, in accordance with TWP’s fee evaluation. That’s 73% greater than these with good credit score.
Common price of house owners insurance coverage in New Hampshire by metropolis
How a lot you pay for owners insurance coverage in New Hampshire depends upon the place you reside. As an example, the typical price of dwelling insurance coverage in Manchester is $865 per yr, whereas owners in Nashua pay $825 per yr, on common.
The most affordable dwelling insurance coverage in New Hampshire
Listed here are the insurers we discovered with common annual charges under the New Hampshire common of $865.
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
5.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates protection choices, buyer expertise, customizability, price and extra.
4.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates protection choices, buyer expertise, customizability, price and extra.
4.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.0
TWP ranking
TWP's scores are decided by our editorial staff. The scoring formulation incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
What to find out about New Hampshire owners insurance coverage
If you happen to’re on the lookout for the very best dwelling insurance coverage in New Hampshire, you’ll want to think about the potential of seasonal extreme storms and flooding in addition to much less frequent dangers like earthquakes.
Flooding
Flooding is a danger all owners want to think about, together with those that stay in New Hampshire. A 2020 research discovered twice as many New Hampshire owners are in danger for flooding as proven on the federal flood maps.
As a result of customary owners insurance coverage insurance policies sometimes don't cowl flooding, owners might want to purchase separate flood insurance coverage to cowl flood injury.
To study extra about your property’s danger, try the Federal Emergency Administration Company's flood maps or go to RiskFactor.com, an internet site from the nonprofit First Road Basis. Even when your property is deemed low danger, it could be worthwhile to purchase flood insurance coverage for further peace of thoughts.
Do not forget that whereas you should purchase flood protection at any time, there’s sometimes a 30-day ready interval earlier than the insurance coverage takes impact. Right here’s extra details about flood insurance coverage and ready intervals.
Winter storms
New Hampshire sees harsh winter climate, together with heavy snowfall, ice storms and freezing temperatures. This could trigger vital injury, akin to roof collapses, burst pipes and water seepage from ice dams.
Owners insurance coverage sometimes covers most winter-related injury, but it surely's important to overview your coverage and perceive any particular limitations or exclusions associated to winter storm-related incidents. For instance, flood injury brought on by snowmelt could require a flood insurance coverage coverage.
New Hampshire Insurance coverage Division
The New Hampshire Insurance Department is answerable for overseeing the state’s insurance coverage trade. Along with offering client sources and useful info on insurance coverage, the division additionally handles client complaints in opposition to insurers.
You may file a grievance utilizing the division's on-line type or by mail. When you have extra questions, contact the Shopper Companies workers at 800-852-3416 or by electronic mail at [email protected].
Amanda Shapland contributed to this story.
Ceaselessly requested questions
Is owners insurance coverage required in New Hampshire?
Owners insurance coverage just isn't required by New Hampshire state regulation. Nonetheless, your lender could require you to purchase dwelling insurance coverage.
Does New Hampshire dwelling insurance coverage cowl earthquakes?
No, New Hampshire dwelling insurance coverage insurance policies don't sometimes cowl earthquake or floor motion injury. If you're involved concerning the danger of earthquakes, think about shopping for a separate earthquake insurance coverage coverage.
How can I lower your expenses on owners insurance coverage in New Hampshire?
There are a number of methods to save cash on owners insurance coverage in New Hampshire:
Store round to be sure you’re getting the very best fee.
Select the next deductible. In case of any claims, you’ll pay extra out of pocket, however your premiums will likely be decrease.
Is owners insurance coverage required in New Hampshire?
Owners insurance coverage just isn't required by New Hampshire state regulation. Nonetheless, your lender could require you to purchase dwelling insurance coverage.
Does New Hampshire dwelling insurance coverage cowl earthquakes?
No, New Hampshire dwelling insurance coverage insurance policies don't sometimes cowl earthquake or floor motion injury. If you're involved concerning the danger of earthquakes, think about shopping for a separate
earthquake insurance coverage
coverage.
How can I lower your expenses on owners insurance coverage in New Hampshire?
There are a number of methods to save cash on owners insurance coverage in New Hampshire:
Store round to be sure you’re getting the very best fee.
Select the next deductible. In case of any claims, you’ll pay extra out of pocket, however your premiums will likely be decrease.
Bundle your property and auto insurance coverage for a decrease general fee. See the
greatest dwelling and auto insurance coverage bundles