Best Homeowners Insurance in New Hampshire
Best cheap home insurance in New Hampshire
Cheapest home insurance in New Hampshire
At $1,048 a year, or $87 a month, Vermont Mutual has New Hampshire’s cheapest home insurance. This is 41% less than the state average of $147 a month.
Amica is a close second, with rates of around $93 a month. Allstate and State Farm are a bit more expensive, but both companies offer several discounts that could make it cheaper for you.
New Hampshire’s cheapest home insurance companies
| Company | Annual rate | Monthly rate | LendingTree score | |
|---|---|---|---|---|
 | Vermont Mutual | $1,048 | $87 |  |
 | Amica | $1,114 | $93 |  |
 | State Farm | $1,250 | $104 | |
 | Allstate | $1,255 | $105 | |
 | Travelers | $1,311 | $109 |  |
 | The Concord Group | $1,348 | $112 | |
 | USAA* | $4,996 | $416 | |
With many of New Hampshire’s top home insurance companies offering similar rates, make sure you compare home insurance quotes from multiple companies before you buy or renew a policy.
Best homeowners insurance companies in New Hampshire
Vermont Mutual is the best home insurance company in New Hampshire for low rates. Amica is best for customer service, Allstate has the best coverage options and The Concord Group has the best discounts.
| Company | Best for | Annual rate | Customer satisfaction** | Complaint index*** |
|---|---|---|---|---|
| Vermont Mutual | Low rates | $1,048 | Not rated | 0.08 |
| Allstate | Coverages | $1,255 | 631 | 1.3 |
| The Concord Group | Discounts | $1,348 | Not rated | 0.25 |
| Amica | Customer service | $1,114 | 679 | 0.33 |
***Source: National Association of Insurance Commissioners (NAIC). Lower is better; 1.0 is average.
Best for low rates: Vermont Mutual
Annual rate: $1,048
For the cheapest homeowners insurance in New Hampshire, get a quote from Vermont Mutual. Vermont Mutual’s average home insurance quote of $87 a month is the lowest in the state.
PROS
- Lowest rates in the state, on average
- Best complaint rating of companies surveyed
CONS
- Fewer discounts and coverage options than most other companies
- No customer satisfaction rating
- Can’t get quotes from company website
Best coverage options: Allstate
Annual rate: $1,255
Allstate is the best homeowners insurance company in New Hampshire for coverage options. It offers more add-on coverages than any other company we surveyed in the state.
Allstate offers add-on coverages for:
- Water backup
- Sports equipment
- Green improvement reimbursement
- Identity theft restoration
PROS
- Many optional coverages
- Several discounts that can save you money
- Average rate is well below state average
CONS
- Customer satisfaction rating is worse than average
- Complaint rating also worse than average
Best discounts: The Concord Group
Annual rate: $1,348
The Concord Group has the best home insurance discounts among the companies we surveyed in New Hampshire.
You may get a discount from The Concord Group if you:
- Bundle home and auto insurance with the company
- Have certain protective devices in your home
- Own a home that was built less than 15 years ago
- Sign up for electronic document delivery
PROS
- Many discount and coverage options
- Complaint rating is much better than average
- Can get quotes, pay bills and file claims on website
CONS
- Average rate is higher than most other companies
- No customer satisfaction rating
Best customer satisfaction: Amica
Annual rate: $1,114
New Hampshire homeowners who care about customer satisfaction and service should consider Amica for home insurance. Amica has by far the highest J.D. Power customer satisfaction rating of the companies we surveyed. Its score is also the third-highest in the U.S. overall.
PROS
- Second-cheapest average rates in state
- Excellent customer satisfaction rating
- Complaint rating is much better than average
CONS
- Not as many add-on coverages as some other companies
- Fewer discounts than some competitors, too
How much is home insurance in New Hampshire?
Home insurance in New Hampshire costs $1,760 a year, on average. That’s about $147 a month.
What you pay for home insurance in New Hampshire is based on many factors, including where you live in the state, how old your home is and how much coverage you buy.
The dwelling limit you choose for your policy also plays a role. We found that homeowners with $450,000 of dwelling coverage pay around 18% more for home insurance than those who get $350,000 of coverage, for example.
Average home insurance rate by dwelling limit
| Dwelling limit | Annual rate | Monthly rate |
|---|---|---|
| $350,000 | 1,589 | $132 |
| $400,000 | 1,760 | $147 |
| $450,000 | 1,922 | $160 |
New Hampshire homeowners insurance rates by city
Hudson is New Hampshire’s cheapest city for home insurance at $1,612 a year, or $134 a month.
With rates that average $1,968 a year, or $164 a month, Hampton is the city with the most expensive home insurance in New Hampshire.
Homeowners in New Hampshire’s most expensive city for home insurance pay about 18% more than those in the state’s cheapest city.
Average home insurance rates in New Hampshire’s biggest cities:
- Manchester, $148 a month
- Nashua, $138 a month
- Concord, $150 a month
Home insurance rates near you
| City | Annual rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
| Monthly rate
Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
|
|---|---|---|
| Alton Bay | $1,848 | $154 |
| Antrim | $1,745 | $145 |
| Ashland | $1,873 | $156 |
| Ashuelot | $1,671 | $139 |
| Barnstead | $1,798 | $150 |
| Belmont | $1,836 | $153 |
| Berlin | $1,706 | $142 |
| Bretton Woods | $1,712 | $143 |
| Bristol | $1,814 | $151 |
| Center Barnstead | $1,790 | $149 |
| Center Conway | $1,693 | $141 |
| Center Ossipee | $1,684 | $140 |
| Center Sandwich | $1,824 | $152 |
| Center Strafford | $1,695 | $141 |
| Center Tuftonboro | $1,816 | $151 |
| Charlestown | $1,776 | $148 |
| Chesterfield | $1,677 | $140 |
| Chocorua | $1,818 | $152 |
| Claremont | $1,737 | $145 |
| Colebrook | $1,710 | $143 |
| Concord | $1,800 | $150 |
| Contoocook | $1,793 | $149 |
| Conway | $1,766 | $147 |
| Cornish Flat | $1,736 | $145 |
| Derry | $1,724 | $144 |
| Dover | $1,732 | $144 |
| Drewsville | $1,755 | $146 |
| Durham | $1,731 | $144 |
| East Andover | $1,839 | $153 |
| East Candia | $1,665 | $139 |
| East Derry | $1,672 | $139 |
| East Hampstead | $1,721 | $143 |
| East Hebron | $1,800 | $150 |
| East Merrimack | $1,697 | $141 |
| East Wakefield | $1,733 | $144 |
| Eaton Center | $1,757 | $146 |
| Elkins | $1,805 | $150 |
| Enfield | $1,769 | $147 |
| Enfield Center | $1,763 | $147 |
| Epping | $1,761 | $147 |
| Etna | $1,745 | $145 |
| Exeter | $1,743 | $145 |
| Farmington | $1,813 | $151 |
| Franklin | $1,875 | $156 |
| Georges Mills | $1,741 | $145 |
| Gilmanton Iron Works | $1,801 | $150 |
| Glen | $1,759 | $147 |
| Glencliff | $1,760 | $147 |
| Goffstown | $1,822 | $152 |
| Greenville | $1,703 | $142 |
| Groveton | $1,705 | $142 |
| Guild | $1,729 | $144 |
| Hampton | $1,968 | $164 |
| Hampton Beach | $1,939 | $162 |
| Hanover | $1,728 | $144 |
| Haverhill | $1,686 | $141 |
| Hebron | $1,800 | $150 |
| Henniker | $1,781 | $148 |
| Hillsborough | $1,762 | $147 |
| Hooksett | $1,779 | $148 |
| Hudson | $1,612 | $134 |
| Intervale | $1,742 | $145 |
| Jaffrey | $1,674 | $140 |
| Kearsarge | $1,761 | $147 |
| Keene | $1,685 | $140 |
| Laconia | $1,829 | $152 |
| Lancaster | $1,705 | $142 |
| Lebanon | $1,749 | $146 |
| Lincoln | $1,829 | $152 |
| Lisbon | $1,755 | $146 |
| Littleton | $1,750 | $146 |
| Lochmere | $1,824 | $152 |
| Londonderry | $1,674 | $139 |
| Lyme Center | $1,705 | $142 |
| Manchester | $1,779 | $148 |
| Melvin Village | $1,807 | $151 |
| Meredith | $1,853 | $154 |
| Meriden | $1,734 | $145 |
| Milford | $1,708 | $142 |
| Milton Mills | $1,761 | $147 |
| Mirror Lake | $1,829 | $152 |
| Monroe | $1,730 | $144 |
| Mount Washington | $1,676 | $140 |
| Munsonville | $1,720 | $143 |
| Nashua | $1,661 | $138 |
| Nelson | $1,720 | $143 |
| Newmarket | $1,757 | $146 |
| Newport | $1,709 | $142 |
| Newton Junction | $1,666 | $139 |
| North Conway | $1,657 | $138 |
| North Haverhill | $1,702 | $142 |
| North Salem | $1,758 | $146 |
| North Sandwich | $1,849 | $154 |
| North Stratford | $1,690 | $141 |
| North Sutton | $1,858 | $155 |
| North Walpole | $1,775 | $148 |
| North Woodstock | $1,814 | $151 |
| Peterborough | $1,687 | $141 |
| Piermont | $1,737 | $145 |
| Pike | $1,686 | $140 |
| Pinardville | $1,812 | $151 |
| Plymouth | $1,809 | $151 |
| Portsmouth | $1,787 | $149 |
| Randolph | $1,725 | $144 |
| Raymond | $1,796 | $150 |
| Rochester | $1,793 | $149 |
| Rye Beach | $1,941 | $162 |
| Sanbornville | $1,749 | $146 |
| Seabrook Beach | $1,943 | $162 |
| Silver Lake | $1,761 | $147 |
| Somersworth | $1,792 | $149 |
| South Acworth | $1,702 | $142 |
| South Hooksett | $1,766 | $147 |
| South Newbury | $1,840 | $153 |
| South Sutton | $1,844 | $154 |
| South Tamworth | $1,814 | $151 |
| Spofford | $1,678 | $140 |
| Stinson Lake | $1,846 | $154 |
| Sugar Hill | $1,784 | $149 |
| Suncook | $1,759 | $147 |
| Tilton Northfield | $1,884 | $157 |
| Troy | $1,657 | $138 |
| Twin Mountain | $1,736 | $145 |
| Union | $1,761 | $147 |
| Waterville Valley | $1,823 | $152 |
| West Chesterfield | $1,676 | $140 |
| West Lebanon | $1,698 | $142 |
| West Nottingham | $1,759 | $147 |
| West Ossipee | $1,739 | $145 |
| West Peterborough | $1,682 | $140 |
| West Stewartstown | $1,701 | $142 |
| West Swanzey | $1,703 | $142 |
| Winchester | $1,646 | $137 |
| Winnisquam | $1,740 | $145 |
| Wolfeboro | $1,826 | $152 |
| Wolfeboro Falls | $1,827 | $152 |
| Wonalancet | $1,823 | $152 |
| Woodsville | $1,715 | $143 |
Frequently asked questions
New Hampshire state law doesn’t require you to buy home insurance. If you get a mortgage, though, your lender will probably make you buy it.
The average cost of homeowners insurance in New Hampshire is $147 a month, or $1,760 a year.
Vermont Mutual has the cheapest home insurance in New Hampshire at $87 a month, or $1,048 a year.
Methodology
The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in New Hampshire. The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
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*USAA is only available to active-duty and veteran military members and their families.