Average homeowners insurance cost in New Hampshire

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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.

On average, New Hampshire homeowners insurance costs $1,209 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in New Hampshire.

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 level

Homeowners 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 Hampshire

Before purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.

We evaluated insurance companies in New Hampshire based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that 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 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

Average homeowners insurance cost by company in New Hampshire

Vermont Mutual offers the most affordable homeowners insurance in New Hampshire, at an average annual premium of $744, followed by Amica and Allstate.

You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.

Here are the average annual and monthly insurance rates for New Hampshire homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with 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.

New Hampshire homeowners insurance rates by ZIP code

Insurance providers in New Hampshire factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.

To get the best deal on homeowners insurance rates in New Hampshire, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in New Hampshire

Homeowners 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 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 rates in New Hampshire

In New Hampshire, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.

Homeowners in 3870 ZIP pay the highest insurance rates in New Hampshire, with an average annual premium of $1,593.

Below is a list of some of the most expensive ZIP codes in New Hampshire for homeowners insurance.

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

Home insurance rate trend in New Hampshire

We 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 rates	2022 rates	2023 rates
$1,089	$1,133	$1,209

Finding 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 & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.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 deductible

We 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.

Shivani Gite

Contributing Writer

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.