Average homeowners insurance cost in Dover, NH

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In Dover, homeowners pay an average annual rate of $1,218 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 $1,286 less than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Dover, 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 Dover, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Dover.

Key takeaways

The average cost of homeowners insurance in Dover is $1,218 per year.
Amica Mutual is the cheapest homeowners insurance company in Dover with an average annual premium of $779.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $276 more a year for home insurance.

Average homeowners insurance cost in Dover per month

According to Insure.com’s rate analysis, residents of Dover pay an average of $101 per month for homeowners insurance. This is same as the state average of $101 and $108 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Dover can vary depending on your location, property value, and selected coverage options.

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

The average cost of homeowners insurance in Dover, NH is $942 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

According to Insure.com’s rate analysis, homeowners in Dover typically pay an average of $1,218 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $276. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Dover by Company

Among the carriers analyzed, Amica Mutual is the cheapest homeowners insurance company in Dover. It’s average annual rate for Dover homeowners is $779. Vermont Mutual ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $840.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Dover and prepared a list of the cheapest home insurance providers. You can find below the Dover home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Amica Mutual	$779
Vermont Mutual	$788
Allstate	$840
State Farm	$1,074
Auto-Owners	$1,100
Plymouth Rock Assurance	$1,155
Nationwide	$1,613
MMG Insurance	$2,021
Farmers	$1,042
USAA*	$1,354

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Dover 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.