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

In New Hampshire, the annual homeowners insurance cost is $1,209, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.

Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $1,476 in New Hampshire, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in New Hampshire based on 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

In New Hampshire, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.

If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer 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 companies in New Hampshire assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in New Hampshire. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in New Hampshire

Home insurance costs vary across different areas in New Hampshire. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 3052 ZIP code has the lowest home insurance rates in New Hampshire, at $1,127 annually or $94 per month.

Here are the homeowners insurance rates for some of 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

Your ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In New Hampshire, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.

3870 has the most expensive homeowners insurance rates in New Hampshire at an average annual cost of $1,593.

Below, we’ve highlighted some of the most expensive ZIP codes in New Hampshire for home 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 below data shows how much homeowners insurance rates have changed since 2019.

2019 rates	2022 rates	2023 rates
$1,089	$1,133	$1,209

To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get 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.