The typical price of house owners insurance coverage in New Hampshire is $865 per yr, or about $72 monthly, in keeping with a NerdWallet evaluation. That’s lower than the nationwide common of $1,820 per yr.
Be aware: Some insurance coverage corporations included on this article might have made adjustments of their underwriting practices and now not challenge new insurance policies in your state.
Why you may belief NerdWallet
Our writers and editors observe strict editorial tips to make sure equity and accuracy in our writing and information analyses. You possibly can belief the costs we present you as a result of our information analysts take rigorous measures to get rid of inaccuracies in pricing information and should replace charges for accuracy as new data turns into obtainable.
We embody charges from each locale within the nation the place protection is obtainable and information is out there. When evaluating charges for various protection quantities and backgrounds, we alter just one variable at a time, so you may simply see how every issue impacts pricing.
Our pattern house owner had good credit score, $300,000 of dwelling protection, $300,000 of legal responsibility protection and a $1,000 deductible.
One of the best owners insurance coverage in New Hampshire
In case you’re trying to purchase owners insurance coverage from a well-rated nationwide model, think about one in every of these insurers from NerdWallet’s record of the Greatest Owners Insurance coverage Firms.
5.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
5.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method 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 perfect house insurance coverage corporations in New Hampshire
State Farm
5.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Effectively-established insurer with a prolonged record of protection choices.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Fewer than anticipated
Consumer-friendly web site.
Brokers provide customized service.
Insurance policies usually embody additional protection on your house’s construction.
Fewer reductions than another insurers.
Contains extra beneficiant dwelling protection in customary insurance policies than many different insurers do.
State Farm
5.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Effectively-established insurer with a prolonged record of protection choices.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Fewer than anticipated
Consumer-friendly web site.
Brokers provide customized service.
Insurance policies usually embody additional protection on your house’s construction.
Fewer reductions than another insurers.
Contains 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 record of protection choices. Its insurance policies usually embody additional dwelling protection in case it prices greater than anticipated to rebuild your property after a lined catastrophe. You might also be capable of add protection for issues like identification theft, harm from backed-up drains and private harm legal responsibility.
State Farm provides a free Ting gadget as a perk for house insurance coverage policyholders. Ting is a brilliant plug that displays your property’s electrical community to assist stop fires.
Vermont Mutual
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Regional insurer since 1828, promoting owners insurance coverage within the Northeast by way of unbiased brokers.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Only a few reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet 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 an internet quote.
Effectively-established firm with good monetary energy and a variety of protection choices.
Vermont Mutual
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Regional insurer since 1828, promoting owners insurance coverage within the Northeast by way of unbiased brokers.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Only a few reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet 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 an internet quote.
Effectively-established firm with good monetary energy and a variety of protection choices.
Based in 1828, Vermont Mutual sells owners insurance coverage by way of 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 corresponding to water heaters, laundry machines or photo voltaic power techniques. Different endorsements could also be obtainable to cowl identification theft, harm to underground service traces, backed-up drains and theft of pricy jewellery.
Amica
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Effectively-established insurer identified for excellent customer support.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet 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.
Residence Test app can assist with house 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 accredited contractor program to assist with claims and an app with house upkeep ideas.
Amica
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Effectively-established insurer identified for excellent customer support.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
About common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet 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.
Residence Test app can assist with house 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 accredited contractor program to assist with claims and an app with house upkeep ideas.
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 keeping with the Nationwide Affiliation of Insurance coverage Commissioners (NAIC).
You possibly can customise your coverage with additional protection above your dwelling restrict in case your own home prices extra to rebuild than anticipated. You might also need to add protection for harm from water backups or restoration from identification theft.
Nationwide
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
For buyers looking for a broad vary of protection choices, Nationwide might match the invoice.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Near anticipated
Provides some protection customary that different corporations cost additional for.
Plenty of reductions obtainable.
Web site provides numerous helpful options and knowledge.
Does not insure cell or manufactured properties.
Nationwide’s insurance policies are broadly obtainable throughout the nation and provide a wide range of helpful protection selections. The corporate additionally has a strong record of reductions that can assist you save in your coverage.
Nationwide
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
For buyers looking for a broad vary of protection choices, Nationwide might match the invoice.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Nice set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Near anticipated
Provides some protection customary that different corporations cost additional for.
Plenty of reductions obtainable.
Web site provides numerous helpful options and knowledge.
Does not insure cell or manufactured properties.
Nationwide’s insurance policies are broadly obtainable throughout the nation and provide a wide range of helpful protection selections. The corporate additionally has a strong record of reductions that can assist you save in your coverage.
We like Nationwide for its extensive number of protection choices. For instance, its customary owners insurance coverage coverage usually consists of ordinance or regulation protection, which can assist pay to carry your property as much as present constructing codes after a lined declare. You possibly can add different protection for issues like identification theft and harm 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 may also use the web site to pay payments, file claims or examine declare standing.
Hanover
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Greatest for owners on the lookout for some ways to customise their coverage.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
In depth record of protection choices.
Far fewer client complaints than anticipated for an organization of its measurement.
Has a number of protection packages, together with a beneficiant one for higher-value properties.
Hanover
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Greatest for owners on the lookout for some ways to customise their coverage.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Greater than common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet conducts its information evaluation and reaches conclusions independently and with out the endorsement of the NAIC.
Far fewer than anticipated
In depth record of protection choices.
Far fewer client complaints than anticipated for an organization of its measurement.
Has a number of protection packages, together with a beneficiant one for higher-value properties.
The Hanover provides owners plenty of selections. You possibly can go for an auto/house package deal, a coverage designed for high-value properties or a standalone coverage for the standard home. You possibly can additional customise your coverage with a variety of protection choices for issues like assured alternative price protection, which can pay as a lot because it takes to rebuild your property after a catastrophe.
The Hanover sells insurance policies completely by way of native unbiased brokers. Which means on-line quotes aren’t obtainable, however you will get private service that can assist you select the best protection.
USAA
5.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Provides perks for the army neighborhood.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Beneath common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet 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 always prices additional elsewhere.
Far fewer buyer complaints to state regulators than anticipated for an organization of its measurement.
Obtainable solely to lively army members, veterans and their households.
Beneficiant protection and options for the army neighborhood.
USAA
5.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method takes under consideration client grievance and buyer satisfaction information.
Provides perks for the army neighborhood.
Protection choicesRankings are based mostly on the variety of protection choices an organization provides compared to different insurers.
Beneath common
ReductionsRankings are based mostly on the variety of reductions an organization provides compared to different insurers.
Common set of reductions
NAIC complaintsRankings are based mostly on complaints to state regulators relative to an organization’s measurement, in keeping with three years’ value of information from the Nationwide Affiliation of Insurance coverage Commissioners. NerdWallet 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 always prices additional elsewhere.
Far fewer buyer complaints to state regulators than anticipated for an organization of its measurement.
Obtainable solely to lively army members, veterans and their households.
Beneficiant protection and options for the army neighborhood.
USAA sells owners insurance coverage to veterans, active-duty army members and their households. In case you fall into a type of teams, you would possibly need to look into USAA’s choices. The corporate’s owners insurance policies embody some distinctive perks corresponding to deductible-free protection for army uniforms and protection for identification theft.
Owners in New Hampshire can participate within the firm’s Related Residence program, which provides you a reduction in your coverage should you purchase and set up accredited smart-home gadgets. These embody water leak sensors, cameras and thermostats.
How a lot does owners insurance coverage price in New Hampshire?
The typical annual price of house 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 an identical to your conventional credit score rating.
In New Hampshire, these with poor credit score pay a median of $1,500 per yr for owners insurance coverage, in keeping with NerdWallet’s price 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 will depend on the place you reside. As an example, the common price of house insurance coverage in Manchester is $865 per yr, whereas owners in Nashua pay $825 per yr, on common.
The most cost effective house 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
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.5
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
5.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates protection choices, buyer expertise, customizability, price and extra.
4.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates protection choices, buyer expertise, customizability, price and extra.
4.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
4.0
NerdWallet score
NerdWallet’s scores are decided by our editorial group. The scoring method incorporates reductions, protection choices, web site transparency, monetary energy, grievance information and extra.
What to find out about New Hampshire owners insurance coverage
In case you’re on the lookout for the perfect house insurance coverage in New Hampshire, you’ll want to contemplate the potential for seasonal extreme storms and flooding in addition to much less frequent dangers like earthquakes.
Flooding
Flooding is a danger all owners want to contemplate, together with those that dwell 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 harm.
To study extra about your property’s danger, take a look at the Federal Emergency Administration Company’s flood maps or go to RiskFactor.com, a web site from the nonprofit First Avenue Basis. Even when your property is deemed low danger, it might be worthwhile to purchase flood insurance coverage for additional peace of thoughts.
Keep in mind 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 may trigger vital harm, corresponding to roof collapses, burst pipes and water seepage from ice dams.
Owners insurance coverage sometimes covers most winter-related harm, however it’s important to evaluation your coverage and perceive any particular limitations or exclusions associated to winter storm-related incidents. For instance, flood harm brought on by snowmelt might require a flood insurance coverage coverage.
New Hampshire Insurance coverage Division
The New Hampshire Insurance coverage Division is accountable for overseeing the state’s insurance coverage trade. Along with offering client assets and useful data on insurance coverage, the division additionally handles client complaints in opposition to insurers.
You possibly can file a grievance utilizing the division’s on-line type or by mail. When you’ve got extra questions, contact the Client Providers employees at 800-852-3416 or by e mail at [email protected].
Amanda Shapland contributed to this story.
Often requested questions
Is owners insurance coverage required in New Hampshire?
Owners insurance coverage is just not required by New Hampshire state regulation. Nevertheless, your lender might require you to purchase house insurance coverage.
Does New Hampshire house insurance coverage cowl earthquakes?
No, New Hampshire house insurance coverage insurance policies don’t sometimes cowl earthquake or floor motion harm. If you’re involved concerning the danger of earthquakes, think about shopping for a separate earthquake insurance coverage coverage.
How can I get monetary savings on owners insurance coverage in New Hampshire?
There are a number of methods to economize on owners insurance coverage in New Hampshire:
Store round to be sure you’re getting the perfect price.
Select the next deductible. In case of any claims, you’ll pay extra out of pocket, however your premiums can be decrease.
Is owners insurance coverage required in New Hampshire?
Owners insurance coverage is just not required by New Hampshire state regulation. Nevertheless, your lender might require you to purchase house insurance coverage.
Does New Hampshire house insurance coverage cowl earthquakes?
No, New Hampshire house insurance coverage insurance policies don’t sometimes cowl earthquake or floor motion harm. If you’re involved concerning the danger of earthquakes, think about shopping for a separate
earthquake insurance coverage
coverage.
How can I get monetary savings on owners insurance coverage in New Hampshire?
There are a number of methods to economize on owners insurance coverage in New Hampshire:
Store round to be sure you’re getting the perfect price.
Select the next deductible. In case of any claims, you’ll pay extra out of pocket, however your premiums can be decrease.
Bundle your property and auto insurance coverage for a decrease general price. See the
