Average homeowners insurance cost in New Hampshire

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Home insurance in New Hampshire costs an average of $1,209 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Vermont Mutual offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $1,209 a year, based on our data.
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.

What is the average cost of homeowners insurance in New Hampshire?

Homeowners in New Hampshire pay an average of $1,209 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in New Hampshire? Cost by coverage level

The typical homeowners insurance policy in New Hampshire runs $1,209 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $1,476 in New Hampshire.

The table below shows average homeowners insurance costs in New Hampshire for dwelling coverage from $200,000 to $1 million.

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

Average home insurance cost in New Hampshire by insurer

Vermont Mutual has the lowest average homeowners insurance premiums in New Hampshire at $744 per year. Amica and Allstate also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in New Hampshire, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Vermont Mutual	$744	$62
Amica	$789	$66
Allstate	$803	$67
Auto-Owners	$1,041	$87
Farmers	$1,043	$87
State Farm	$1,148	$96
Plymouth Rock Assurance	$1,234	$103
Nationwide	$1,586	$132
MMG Insurance	$1,884	$157
USAA*	$1,363	$114

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in New Hampshire is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

How does your ZIP code affect home insurance rates in New Hampshire?

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in New Hampshire.

Most affordable ZIP codes for home insurance in New Hampshire

The lowest rates in New Hampshire are found in 3052, where homeowners pay an average of $1,127 per year.

Where you live in New Hampshire has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in New Hampshire.

ZIP code	Average annual rate	Average monthly rate
3052	$1,127	$94
3051	$1,128	$94
3458	$1,131	$94
3084	$1,134	$94
3082	$1,136	$95
3765	$1,137	$95
3592	$1,139	$95
3049	$1,141	$95
3076	$1,143	$95
3440	$1,145	$95

Most expensive ZIP codes for home insurance in New Hampshire

At the other end of the spectrum, 3870 has the highest average rates in New Hampshire at $1,593 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in New Hampshire.

ZIP code	Average annual rate	Average monthly rate
3870	$1,593	$133
3874	$1,572	$131
3842	$1,413	$118
3871	$1,356	$113
3862	$1,354	$113
3844	$1,348	$112
3854	$1,339	$112
3217	$1,282	$107
3254	$1,274	$106
3268	$1,272	$106

Home 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 city

See rates in your city

Nashua

What are the best homeowners insurance companies in New Hampshire?

Based on our data, Vermont Mutual stands out as the top choice in New Hampshire. It earns an AM Best rating of A+ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in New Hampshire by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Vermont Mutual	$744	A+	0.07	5
Auto-Owners	$1,041	A++	0.33	4.82
Allstate	$803	A+	0.9	4.15
Farmers	$1,043	A	0.54	4.15
State Farm	$1,148	A++	0.95	3.8
Nationwide	$1,586	A+	0.87	3.32
MMG Insurance	$1,884	A	0.61	3.17
Plymouth Rock Assurance	$1,234	A-	1.38	3.07

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com partnered with Quadrant Information Services to gather homeowners insurance data, drawing from 20,739,560 quotes across 82 national and regional insurers and 34,588 ZIP codes.

Sample rates are based on a homeowner profile with good credit and the following coverage levels:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The best companies list was determined using average annual cost, NAIC complaint score, and AM Best rating. All rates are intended for comparison and individual results will vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.