Average homeowners insurance cost in Concord, NH

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In Concord, homeowners pay an average annual rate of $1,241 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $1,263 less than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Concord, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Concord, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Concord.

Key takeaways

In Concord, homeowners insurance costs $1,241 annually.
Vermont Mutual offers the most affordable homeowners insurance in Concord with an average annual premium of $721.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $279 higher.

Average homeowners insurance cost in Concord per month

Concord homeowners pay an average of $103 a month, based on our rate analysis. It’s $2 more than the state average of $101 and $106 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Concord may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Concord

In Concord, NH, homeowners pay an average of $962 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Concord

Based on a rate analysis conducted by Insure.com, Concord residents pay an average of $1,241 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $279 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Concord by company

Among the carriers analyzed, Vermont Mutual is the most affordable homeowners insurance company in Concord, offering an average annual rate of $721.

Amica Mutual ranks second, while Allstate holds the third spot with an average annual rate of $816.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Concord and compiled a list of the most affordable options.

Below are the details of home insurance companies in Concord and their average annual premiums.

Home Insurance Company	Annual rate
Vermont Mutual	$721
Allstate	$816
Auto-Owners	$1,042
Farmers	$1,100
State Farm	$1,101
Plymouth Rock Assurance	$1,334
Nationwide	$1,652
MMG Insurance	$1,824
Amica Mutual	$779
USAA*	$1,441

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Concord for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.