Best New Hampshire Homeowners Insurance Quotes (2025)

Homeowners insurance in New Hampshire costs an average of $1,128 annually for a $300,000 policy, which is much lower than the national average of $2,532.

A standard home insurance policy covers damage from fire, theft, and certain natural disasters. But New Hampshire is prone to winter storms and heavy snow, so homeowners might want to look for policies that cover water damage and ice dams.

The best way to find affordable homeowners insurance is to compare multiple quotes, company discounts, and availability. Keep reading to learn more about home insurance in New Hampshire.

Best home insurance companies in New Hampshire

The best home insurance company for you depends on your unique needs and circumstances. Some recognizable names, like Travelers and State Farm, offer affordable and reliable coverage for homeowners in the Granite State.

The table below includes other top choices to help you compare and select the best option for your home.

Best insurer for cheap rates: Amica Mutual

Best insurer for tech-savvy homeowners: Plymouth Rock Assurance

Best insurer for high-net-worth homeowners: Travelers

Best insurer for customer service: State Farm

Cheapest home insurance in New Hampshire

If affordability is your top concern, Travelers offers the cheapest home insurance in New Hampshire. Remember that your premiums may vary depending on your home’s location, its unique characteristics, and the type of homeowners insurance policy you select.

The following table highlights the state’s most budget-friendly home insurance options for a $300,000 policy to help you find the best fit for your needs.

Cost of homeowners insurance in New Hampshire

In New Hampshire, homeowners insurance costs an average of $1,128 per year for a $300,000 policy. Factors influencing premiums include the home’s ZIP code, age, and construction type. Homes in areas prone to severe weather may have higher premiums because snow, ice, and wind can increase the risk of claims.

Factors like your credit history, claims history, coverage limits, and deductibles can also affect your premiums.1

Cost of homeowners insurance by dwelling coverage amount

Higher dwelling coverage levels typically result in higher premiums, but they provide greater protection for your home. The more coverage you buy, the more the insurance company will charge to cover potential claims.

Below is the average cost of homeowners insurance in New Hampshire for several different levels of coverage for a policy with a $1,000 deductible.

Cost of homeowners insurance by deductible

A deductible is the amount you must pay out of pocket before insurance coverage kicks in for a covered loss. Choosing a lower deductible means higher premiums, as the insurance company takes on more risk. On the other hand, a higher deductible results in lower premiums because you assume a greater share of potential losses.

The table below illustrates how your choice of deductible affects the cost of a New Hampshire home insurance policy with $300,000 in dwelling coverage.

How to get cheap homeowners insurance in New Hampshire

Here are a few strategies to help you save on your home insurance costs:

• Bundle your policies. Many insurance companies offer multi-policy discounts for buying your homeowners policy and auto or life insurance from one company. Bundling coverage can result in discounts of anywhere from 5%–15%.2

• Increase your deductible. Opting for a higher deductible can lower your premiums. Raising your deductible from $500 to $1,000 can cut up to 25% off of your insurance cost. Just remember this means you’ll pay more out of pocket in case of a claim.3

• Improve your home security and disaster resistance. Many insurance companies offer discounts for installing security systems, smoke detectors, storm shutters, and other features, as these measures decrease the likelihood of claims. Check with your insurance agent to determine whether they offer these discounts and what you need to do to qualify.5

• Maintain good credit. New Hampshire law allows insurance companies to pull credit history when deciding whether to insure a customer and when setting rates.4 Insurance companies use credit history to assess risk; a better history indicates to an insurer that you’re less likely to file a claim. By maintaining good credit, you demonstrate reliability, which can lead to lower homeowners insurance rates.

• Shop around. Comparing quotes from several insurance companies is the best way to find the best price on homeowners insurance. Rates vary significantly from company to company, even for the same coverage. By getting multiple quotes, you can find the most competitive rates for your unique situation and ensure you’re not overpaying for coverage.

How much homeowners insurance do you need in New Hampshire?

If you take out a mortgage to buy your home, your mortgage company will require you to purchase a homeowners insurance policy. This coverage protects its investment in case of damage or loss.

Buying insurance might seem like a simple compliance exercise, but it’s essential to understand exactly what your policy covers when you buy it. Ensure the policy includes high enough dwelling coverage to rebuild your home and other structures in case of a total loss, personal property coverage for your belongings, and personal liability coverage to protect you against potential lawsuits.

You might also want to consider add-ons for any specific risks or exposures that apply to you or your home. For example, loss of use coverage can pay for your living expenses while your home is being rebuilt after a covered loss.

What are some of the biggest risks when owning a home in New Hampshire?

Owning a home in New Hampshire has some unique risks due to the state’s climate and geographical features.

New Hampshire homeowners insurance FAQs