Best New Hampshire Homeowners Insurance for 2026
Amica is our pick for the best insurance in New Hampshire, though Vermont Mutual is cheaper on average.
- Amica offers the best homeowners insurance in New Hampshire thanks to its affordability and high star rating.
- The average cost of homeowners insurance in New Hampshire is $1,150 per year.
- Along with harsh winters and nor’easters, New Hampshire has become increasingly prone to flooding, which most basic homeowners policies don’t cover. Flood insurance must be purchased separately.
Best homeowners insurance in New Hampshire
With its great service and affordable rates, Amica is our pick for the best insurance in New Hampshire, though if price is more important to you, know that Vermont Mutual is cheaper on average. You should also check out Allstate for discounts and State Farm for add-on coverage options.
Best overall: Amica
Average annual rate: $983
Why we chose it: With the second-most affordable rates in the state plus a five-star rating, Amica delivers the best combo of lower rates and reliability. The company also maintains an impressive 4.5 stars at TrustPilot, indicating positive customer service experiences.
Who it’s best for: Homeowners looking for affordable, reliable coverage with good customer satisfaction
PROS
- Second most-affordable coverage in NH
- High star ratings across the board
CONS
- Not the very cheapest coverage available
- No green home or smart home discounts
Best cheap home insurance: Vermont Mutual
Average annual rate: $805
Why we chose it: Sometimes, you just want the most affordable coverage, no matter what. Vermont Mutual offers the cheapest homeowners coverage across New Hampshire, including in most of its metro areas.
Who it’s best for: Homeowners looking for the cheap, basic coverage
PROS
- Most affordable coverage statewide
- 5-star rating for NAIC compliance
CONS
- No listed discounts
- Fewer coverage options than some competitors
- No online quotes, so you have to speak to an agent
Best for discounts: Allstate
Average annual rate: $1,186
Why we chose it: Allstate might cost a little more, but savvy New Hampshire homeowners can take a bite out of their overall premium by stacking discounts. From bundling with other policies to installing protective devices, Allstate offers lots of opportunities to dial down your bill.
Who it’s best for: Homeowners looking to bundle multiple policies affordably
PROS
- Discount opportunities, including bundling and installing protective devices
- More add-on coverages than most competitors
CONS
- More pricey than some other companies in the state
-
Higher-than-average NAIC
complaint ratingThe National Association of Insurance Commissioners (NAIC) rates companies based on the number confirmed complaints they receive compared to others of the same size.
Best for coverage options: State Farm
Average annual rate: $992
Why we chose it: With an industry-leading list of coverage options, State Farm can craft a comprehensive policy for just about any homeowner. They’ll even cover you if someone steals your identity.
Who it’s best for: New Hampshire homeowners who value a large range of coverage options
PROS
- Coverage options include identity fraud and energy efficiency upgrades
- Among the most affordable insurers in the state
CONS
- Higher-than-average number of customer complaints
- More affordable coverage available in some areas
Compare home insurance rates and ratings in New Hampshire
| Company | Average annual rate * | LendingTree rating | NAIC complaint rating | |
|---|---|---|---|---|
| Vermont Mutual | $806 | | 0.1 |
| Amica | $983 | | 0.2 |
| State Farm | $992 | | 1.4 |
 | MAPFRE | $1,003 | N/A | N/A |
 | Plymouth Rock | $1,152 |  | 0.2 |
| Allstate | $1,186 | | 1.2 |
 | Concord | $1,239 | | 0 |
 | Frankenmuth | $1,250 | N/A | N/A |
 | Safety | $1,354 | | N/A |
In New Hampshire, as in other states, rates can vary significantly between insurers. Shopping around to compare multiple options can help you find better pricing and coverage.
LendingTree analyzed thousands of quotes from top insurers across New Hampshire to identify the best options for homeowners.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in the state.
See full methodology.
How much is homeowners insurance in New Hampshire?
The average cost of home insurance in New Hampshire is $1,150.
On a national level, New Hampshire enjoys some of the most affordable homeowners insurance coverage in the United States. Its $1,150 average annual premium comes out to just about $96 per month. That’s 56% lower than the national average of $2,628 a year, or $219 per month.
As the climate changes, however, prices in the state may rise as different types of extreme weather events and climate-related disasters become more common. For example, major instances of flooding have increased in the state in recent years.
Average home insurance rates by dwelling coverage amount
The amount of coverage you need to fully insure your home impacts your yearly insurance premiums. The more expensive your home, the higher your cost. Here are the average annual rates for different dwelling coverages from our top New Hampshire insurers.
| Company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| Vermont Mutual | $653 | $806 | $1,035 | $1,341 |
| Amica | $781 | $983 | $1,213 | $1,529 |
| State Farm | $840 | $992 | $1,207 | $1,481 |
| Allstate | $901 | $1,186 | $1,484 | $1,869 |
| State average | $921 | $1,050 | $1,478 | $1,915 |
Home insurance rates in New Hampshire by city
Home insurance rates in New Hampshire can also vary significantly from city to city. The most costly cities for homeowners insurance in New Hampshire include Hampton, Hampton Beach and Seabrook Beach, all of which have average rates of more than $1,400 per year. These coastal communities may be more susceptible to wind and storm damage coming off the ocean, including occasional hurricanes that impact New Hampshire.
On the other end of the spectrum, communities with the most affordable homeowners insurance coverage in the state of New Hampshire include Spofford, West Lebanon and Keene, each of which have average annual rates that hover around $1,000. These cities and towns are sheltered from some kinds of damage due to their location in the state’s interior region, and they tend to be more rural.
| City | Average rate |
|---|---|
| Alton Bay | $1,144 |
| Antrim | $1,073 |
| Ashland | $1,127 |
| Ashuelot | $1,071 |
| Barnstead | $1,133 |
| Belmont | $1,113 |
| Berlin | $1,084 |
| Bretton Woods | $1,114 |
| Bristol | $1,109 |
| Center Barnstead | $1,134 |
| Center Conway | $1,140 |
| Center Ossipee | $1,101 |
| Center Sandwich | $1,110 |
| Center Strafford | $1,132 |
| Center Tuftonboro | $1,135 |
| Charlestown | $1,074 |
| Chesterfield | $1,079 |
| Chocorua | $1,124 |
| Claremont | $1,068 |
| Colebrook | $1,093 |
| Concord | $1,106 |
| Contoocook | $1,106 |
| Conway | $1,094 |
| Cornish Flat | $1,078 |
| Derry | $1,302 |
| Dover | $1,151 |
| Drewsville | $1,079 |
| Durham | $1,142 |
| East Andover | $1,115 |
| East Candia | $1,284 |
| East Hampstead | $1,287 |
| East Hebron | $1,097 |
| East Merrimack | $1,093 |
| East Wakefield | $1,118 |
| Eaton Center | $1,145 |
| Elkins | $1,084 |
| Enfield | $1,091 |
| Enfield Center | $1,086 |
| Epping | $1,294 |
| Etna | $1,079 |
| Exeter | $1,302 |
| Farmington | $1,171 |
| Franklin | $1,109 |
| Georges Mills | $1,083 |
| Gilmanton Iron Works | $1,154 |
| Glen | $1,115 |
| Glencliff | $1,094 |
| Goffstown | $1,110 |
| Greenville | $1,071 |
| Groveton | $1,096 |
| Guild | $1,093 |
| Hampton | $1,433 |
| Hampton Beach | $1,443 |
| Hanover | $1,072 |
| Haverhill | $1,071 |
| Hebron | $1,097 |
| Henniker | $1,087 |
| Hillsborough | $1,078 |
| Hooksett | $1,117 |
| Hudson | $1,099 |
| Intervale | $1,123 |
| Jaffrey | $1,070 |
| Kearsarge | $1,155 |
| Keene | $1,057 |
| Laconia | $1,130 |
| Lancaster | $1,112 |
| Lebanon | $1,078 |
| Lincoln | $1,095 |
| Lisbon | $1,108 |
| Littleton | $1,121 |
| Lochmere | $1,114 |
| Londonderry | $1,292 |
| Lyme Center | $1,076 |
| Manchester | $1,156 |
| Melvin Village | $1,158 |
| Meredith | $1,121 |
| Meriden | $1,080 |
| Milford | $1,084 |
| Milton Mills | $1,154 |
| Mirror Lake | $1,152 |
| Monroe | $1,081 |
| Mount Washington | $1,095 |
| Munsonville | $1,081 |
| Nashua | $1,102 |
| Nelson | $1,081 |
| Newmarket | $1,300 |
| Newport | $1,088 |
| Newton Junction | $1,270 |
| North Conway | $1,109 |
| North Haverhill | $1,077 |
| North Sandwich | $1,112 |
| North Stratford | $1,101 |
| North Sutton | $1,124 |
| North Walpole | $1,090 |
| North Woodstock | $1,090 |
| Peterborough | $1,084 |
| Piermont | $1,099 |
| Pike | $1,084 |
| Pinardville | $1,121 |
| Plymouth | $1,113 |
| Portsmouth | $1,358 |
| Randolph | $1,116 |
| Raymond | $1,292 |
| Rochester | $1,153 |
| Rye Beach | $1,379 |
| Sanbornville | $1,120 |
| Seabrook Beach | $1,431 |
| Silver Lake | $1,107 |
| Somersworth | $1,157 |
| South Acworth | $1,076 |
| South Hooksett | $1,116 |
| South Newbury | $1,120 |
| South Sutton | $1,123 |
| South Tamworth | $1,114 |
| Spofford | $1,054 |
| Stinson Lake | $1,114 |
| Sugar Hill | $1,111 |
| Suncook | $1,112 |
| Tilton Northfield | $1,126 |
| Troy | $1,082 |
| Twin Mountain | $1,102 |
| Union | $1,140 |
| Waterville Valley | $1,091 |
| West Chesterfield | $1,082 |
| West Lebanon | $1,056 |
| West Nottingham | $1,254 |
| West Ossipee | $1,123 |
| West Peterborough | $1,084 |
| West Stewartstown | $1,087 |
| West Swanzey | $1,076 |
| Winchester | $1,075 |
| Winnisquam | $1,126 |
| Wolfeboro | $1,134 |
| Wolfeboro Falls | $1,154 |
| Wonalancet | $1,122 |
| Woodsville | $1,069 |
Current state of homeowners insurance in New Hampshire
While New Hampshire’s homeowners insurance market is one of the most affordable in the U.S., climate change and its resulting weather events continue to impact homeowners insurance prices across the country, including in areas that aren’t particularly disaster-prone. For example, New Hampshire’s average insurance rate of $1,150 is higher than neighboring Vermont’s average rate of $1,047, likely in part because of the Granite State’s coastal exposure to storms.
Although less steep than in some other parts of the country, New Hampshire’s average homeowners insurance rate has increased a total of 26.65% between 2021 and 2025. That can still be a substantial change for consumers’ budgets.
New Hampshire senators are currently working on a bill that would provide homeowners with grants of up to $9,500 to complete home improvement projects aimed at making homes more resilient to extreme weather. The House will vote on the bill later in 2026.
How to compare homeowners insurance in New Hampshire
When comparing options, don’t just look at rates, but also consider:
- Coverage limits: Make sure your home is fully covered
- Deductibles: Higher deductibles can lower premiums
- Exclusions: Check what isn’t covered (like floods or earthquakes)
- Add-ons: Consider extra coverage for high-value items
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How Lending Tree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. Lending Tree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
No, New Hampshire state law does not require homeowners to carry home insurance. However, if you’ve financed your home with a mortgage, your lender will likely insist you get a homeowners insurance policy to protect their investment. Also, carrying enough coverage to replace your home in the event of a disaster can help protect your finances in the long run.
With average annual premiums running about $1,150 (or $96 per month), New Hampshire’s homeowners insurance market is one of the most affordable in the U.S. This is in part because New Hampshire is not prone to some of the most damaging events that have been increasing due to climate change, including wildfires — though flooding is becoming more common in the state.
Yes, it may be a good idea to look into flood insurance if you own a home in New Hampshire. Flooding is a risk in many parts of New Hampshire, and recent years have seen more costly flood damages in the state. In some high-risk areas, your lender may require it.
Methodology
How we chose the best homeowners insurance in New Hampshire
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every New Hampshire ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
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 use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our full editorial guidelines for further details.