Average homeowners insurance cost in Nashua, NH

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In Nashua, homeowners pay an average annual rate of $1,163 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to our data. This is $1,341 less than the national average of $2,504 .

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

The size of your home
The age of your home
The amount of coverage you need
Where you live
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in Nashua, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Nashua.

Key Takeaways

In Nashua, homeowners insurance costs $1,163 annually.
Vermont Mutual offers the most affordable homeowners insurance in Nashua with an average annual premium of $619 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $262 higher.

Average homeowners insurance cost per month

Residents of Nashua pay an average of $97 per month for homeowners insurance. This is $4 less than the state average of $101 and $112 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Nashua can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $901 per year in Nashua. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house

As per rate analysis by Insure.com, homeowners residing in Nashua typically pay an average of $1,163 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $262 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Nashua by company

Among the carriers we analyzed, Vermont Mutual is the cheapest homeowners insurance company in Nashua. Its average annual rate for Nashua homeowners is $619 , while Amica Mutual ranks second.

Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Nashua and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.

Home Insurance Company	Annual rate
Vermont Mutual	$619
Amica Mutual	$802
Allstate	$836
Auto-Owners	$923
Farmers	$1,046
State Farm	$1,079
Nationwide	$1,649
MMG Insurance	$1,818
Plymouth Rock Assurance	$1,131
USAA*	$1,303

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

Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.

Natural disasters in New Hampshire that can impact your home insurance

Natural disasters are a part of life in New Hampshire, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

New Hampshire is commonly affected by Ice storm.

How home insurance protects you against natural disasters

Home insurance is an essential safeguard for your financial well-being, offering protection if you’re affected by a natural disaster. Natural disasters can lead to costly damage, but the right policy can help cover the cost of repairs, sparing you from major out-of-pocket costs. In many cases, home insurance also pays for temporary living expenses if you can’t live in your home.

However, not all natural disasters are covered under a standard home insurance policy. For example, flood and earthquake damage are excluded and require separate coverage. That’s why it’s so important to understand the specific natural disaster risks in your area. By doing so, you can choose a policy that truly protects your home – and your finances – from the threats that are most likely to affect you.

Keep in mind: Standard policies may not cover everything

While homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.

Methodology

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

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.