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Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Updated Nov 07, 2022 Find your perfect provider
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
The in New Hampshire averages 75%, which means that many residents may be looking for the in the state. Fortunately, New Hampshire home insurance rates are some of the lowest in the country, with an of $724 for $250K in dwelling coverage, according to Bankrate's 2022 study of quoted annual premiums. Our team of insurance editors conducted research that may help you find the best home insurance company for your needs. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form The in New Hampshire averages 75%, which means that many residents may be looking for the in the state. Fortunately, New Hampshire home insurance rates are some of the lowest in the country, with an of $724 for $250K in dwelling coverage, according to Bankrate's 2022 study of quoted annual premiums. Our team of insurance editors conducted research that may help you find the best home insurance company for your needs. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form The in New Hampshire averages 75%, which means that many residents may be looking for the in the state. Fortunately, New Hampshire home insurance rates are some of the lowest in the country, with an of $724 for $250K in dwelling coverage, according to Bankrate's 2022 study of quoted annual premiums. Our team of insurance editors conducted research that may help you find the best home insurance company for your needs. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Best home insurance companies in New Hampshire
The average cost of coverage is just one factor to consider when shopping for homeowners insurance companies. We from Quadrant Information Services as well as financial strength ratings from and customer satisfaction scores from . While these carriers are among the best home insurance companies in New Hampshire, the best company for you will depend on the and levels, discounts and policy features you are seeking. Home insurance company Average annual premium for $250K in dwelling coverage J.D. Power score $833 829/1,000 $771 854/1,000 $782 835/1,000 $610 800/1,000 * $675 882/1,000 *Not officially ranked by J.D. Power due to eligibility restrictions This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Allstate consistently ranks among J.D. Power's top home insurance companies. The carrier offers a wide variety of insurance products and operates local agencies, so it may be a good choice if you like to handle your insurance needs in person. However, Allstate's premium is the highest on our list and is higher than the state average, so it might not be right for homeowners looking for the cheapest coverage. Learn more: Amica Mutual
Amica received the highest official ranking in the J.D. Power survey, suggesting that its customers are generally pleased with the carrier's service. The carrier offers several optional coverage types and discounts, as well as a dividend policy option that could help you recoup up to 20% of your annual premium. All those perks come at a price, though; Amica's average premium is higher than the state's average. Learn more: State Farm
State Farm is the largest home insurance carrier in the country by market share and could be a great option for New Hampshire residents looking for a local agent. Although the carrier's average annual premium is higher than the state average, State Farm might still be a good choice. The provider offers a suite of insurance and banking products, which might be nice if you like to keep all your business in one place. Learn more: Travelers
Travelers has the lowest average home insurance rates on our list at just $610 per year for $250,000 in dwelling coverage. The company offers a range of optional coverage types and discounts to help you personalize your coverage. However, Travelers does have the lowest J.D. Power score on our list, meaning customers might be less satisfied with its service than that of other companies. Learn more: USAA
USAA consistently scores among J.D. Power's top home insurance companies, although the provider is not eligible for official ranking because it is only available to military members, veterans and qualifying family members. However, if you qualify, you may be able to get lower-than-average rates along with exceptional coverage options and high customer satisfaction. Learn more: How much is homeowners insurance in New Hampshire
The average home insurance cost in New Hampshire is $724 annually for $250K in dwelling coverage. This is well below the of $1,312 per year. New Hampshire's average rate is lower than premium, which comes in at $956 annually. However, home insurance in New Hampshire does cost slightly more than it does in , where the average cost is $686 per year. Home insurance in New Hampshire
New Hampshire experiences its fair share of volatile weather conditions. Understanding the common types of home damage in the state might help you purchase coverage accordingly. Common causes of loss in New Hampshire
New Hampshire homeowners face several different types of risks: Hurricanes: Although New England doesn't get hit with as often as the Southern states along the East Coast do, storms have been known to hit the area. Hurricanes can cause high winds and flooding. Storm surge: Hurricanes can also cause storm surge, a particular risk in the state. New Hampshire ranks as the in the nation for storm surge risk. Storms surge happens when an influx of water rushes ashore, causing flooding. Winter storms: Blizzards and ice storms can wreak havoc on New Hampshire homes. Common damages include burst pipes, collapsed roofs and downed power lines and trees. New Hampshire also faces a moderate risk of , and earthquakes. Home insurance coverage options in New Hampshire
When you shop for New Hampshire home insurance, you should probably keep in mind the types of common damage in the area. That way, you may be able to spot additional endorsements or policies you need to be adequately covered. In addition to dwelling coverage, you may want to consider these coverage types: Flood insurance: is not typically included with a standard home insurance policy but can be especially important for those living in flood-prone areas, like the coast of New Hampshire. You usually obtain coverage by buying a separate policy from your insurance provider or through FEMA's National Flood Insurance Program. Water backup and sewer coverage: A standard home insurance policy does not cover drain line or sewer backup issues in your home. However, many insurance companies offer the option of as an additional endorsement. Earthquake insurance: The average home insurance policy does not include , either, but you can likely add this coverage to your policy. An earthquake endorsement is usually available as an optional coverage from most insurance providers. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Frequently asked questions
The cost of homeowners insurance can depend on many , including your credit score, the age of your home and its location. Based on Bankrate's study, Travelers and USAA offer some of the lowest home insurance rates in New Hampshire. If you are looking for the company, you may want to get quotes from several carriers to compare prices.
You'll start by getting . You can often do this online, or you can call a company or visit a local agency. Many insurance experts recommend that you get at least three quotes to compare. Once you find a provider you'd like to buy coverage from, you may need to sign an application and make at least one month's payment, unless your home insurance is paid from your .
Rural homes can be expensive to insure, depending on their proximity to emergency services. Homes within five miles of a fire station and 1,000 feet of a fire hydrant may receive lower rates since it is more likely that fires and other emergency situations can be attended to before they cause massive amounts of damage. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes will differ. Written by Cate Deventer Insurance Writer & Editor Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand.