Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in New Hampshire Average homeowners insurance cost in New Hampshire Homeowners insurance in New Hampshire costs $1,209 per year or $101 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.According to Insure.com’s data analysis, the average cost of homeowners insurance in New Hampshire is $1,209 a year. Continue reading to learn more about homeowners insurance rates in New Hampshire by ZIP code and insurer. Key Takeaways Homeowners insurance costs an average of $1,209 a year, based on Insure.com analysis.Of all the ZIP codes in New Hampshire, 3052 has the most affordable home insurance rates at around $1,127 annually.In New Hampshire, Vermont Mutual provides the most affordable home insurance at an average annual premium of $744. Average home insurance cost in New Hampshire by coverage levelHomeowners insurance costs $1,209 a year in New Hampshire for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in New Hampshire will increase to $1,476 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in New Hampshire for dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$937 $78 $200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$948 $79 $300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,209 $101 $300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,221 $102 $400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$1,476 $123 $400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$1,488 $124 $600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$2,017 $168 $600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$2,032 $169 $1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible$3,051 $254 $1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible$3,070 $256 Homeowners insurance companies in New Hampshire determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in New HampshireIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in New Hampshire using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in New Hampshire. Based on the analysis, Vermont Mutual received the lowest NAIC score and A+ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreVermont Mutual$744A+0.075Auto-Owners$1,041A++0.334.82Allstate$803A+0.94.15Farmers$1,043A0.544.15State Farm$1,148A++0.953.8Nationwide$1,586A+0.873.32MMG Insurance$1,884A0.613.17Plymouth Rock Assurance$1,234A-1.383.07Average homeowners insurance cost by company in New HampshireVermont Mutual provides the most affordable homeowners insurance in New Hampshire, with an average annual premium of $744. Amica and Allstate also offer cheap home insurance rates.Shopping around for homeowners insurance can help you save hundreds of dollars annually.Here are the average annual and monthly insurance rates for homeowners in New Hampshire with a policy that provides $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.Company Average annual rate Average monthly rateVermont Mutual$744$62Amica$789$66Allstate$803$67Auto-Owners$1,041$87Farmers$1,043$87State Farm$1,148$96Plymouth Rock Assurance$1,234$103Nationwide$1,586$132MMG Insurance$1,884$157USAA$1,363$114New Hampshire homeowners insurance rates by ZIP codeIn New Hampshire, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.Shop around and compare quotes from different insurance companies to find the best home insurance rates in New Hampshire. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.Most affordable ZIP codes for home insurance rates in New HampshireHomeowners insurance costs in New Hampshire can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 3052 area has the most affordable insurance rates, at $1,127 annually or $94 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in New Hampshire.ZIP codeAverage annual rateAverage monthly rate3052$1,127$943051$1,128$943458$1,131$943084$1,134$943082$1,136$953765$1,137$953592$1,139$953049$1,141$953076$1,143$953440$1,145$95Most expensive ZIP codes for home insurance rates in New HampshireYour ZIP code plays a significant role in determining the cost of your homeowners insurance. In New Hampshire, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.In New Hampshire, 3870 has the highest homeowners insurance rates, at $1,593 per year.Here, we’ve highlighted some of the most expensive ZIP codes in New Hampshire for homeowners insurance:ZIP codeAverage annual rateAverage monthly rate3870$1,593$1333874$1,572$1313842$1,413$1183871$1,356$1133862$1,354$1133844$1,348$1123854$1,339$1123217$1,282$1073254$1,274$1063268$1,272$106Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in New Hampshire by cityConcordDoverManchesterNashuaRochesterHome insurance rate trend in New HampshireWe analyzed home insurance rate trends in New Hampshire and found that homeowners insurance rates experienced an overall increase of 7% or $76, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,089$1,133$1,209Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in New Hampshire.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in New-Hampshire Average renters insurance cost in New Hampshire Average car insurance cost in New Hampshire Non-owner auto insurance in New Hampshire How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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