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 Insure.com’s rate analysis. 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:

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 Nashua, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Nashua.

Key takeaways

Homeowners insurance costs $1,163 per year in Nashua.
At $619 per year, Vermont Mutual offers the cheapest homeowners insurance in Nashua.
Your home insurance rates increase by $262 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Nashua per month

Nashua homeowners pay an average of $97 a month, based on our rate analysis. It’s $4 less than the state average of $101 and $112 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Nashua 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 Nashua

In Nashua, NH, homeowners pay an average of $901 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

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

According to a rate analysis by Insure.com, homeowners in Nashua pay an average of $1,163 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $262 more a year for home insurance. It would be best to buy enough insurance to cover the full 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 analyzed, Vermont Mutual is the most affordable homeowners insurance company in Nashua, offering an average annual rate of $619.

Amica Mutual ranks second, while Allstate holds the third spot with an average annual rate of $836.

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

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

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

Methodology

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