Home Home insurance Average home insurance cost New Hampshire Rochester, NH Average homeowners insurance cost in Rochester, NH View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average cost of homeowners insurance in Rochester is $1,234 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,270 less than the national average of $2,504. However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Rochester depend on a number of factors, including: Size of your home Age of your home Amount of coverage you need Location 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 to know how much homeowners insurance cost per month in Rochester, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Rochester. In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Rochester. Key takeawaysThe average cost of homeowners insurance in Rochester is $1,234 per year. Amica Mutual is the cheapest homeowners insurance company in Rochester 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 $280 more a year for home insurance. Average homeowners insurance cost in Rochester per month According to Insure.com’s rate analysis, residents of Rochester pay an average of $103 per month for homeowners insurance. This is $2 more than the state average of $101 and $106 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Rochester can vary depending on your location, property value, and selected coverage options. Average homeowners insurance cost for a $200,000 house in Rochester Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $954 per year in Rochester, NH. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums. It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage. Average homeowners insurance cost for a $300,000 house in Rochester According to a rate analysis by Insure.com, homeowners in Rochester pay an average of $1,234 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 $280 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 Rochester by company Among the carriers analyzed, Amica Mutual is the most affordable homeowners insurance company in Rochester, offering an average annual rate of $779. Vermont Mutual ranks second, while Allstate holds the third spot with an average annual rate of $840. Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Rochester and compiled a list of the most affordable options. Below are the details of home insurance companies in Rochester and their average annual premiums. Home Insurance Company Annual rate Amica Mutual$779Vermont Mutual$788Allstate$840Farmers$1,042State Farm$1,102Plymouth Rock Assurance$1,155Nationwide$1,580MMG Insurance$2,021Auto-Owners$1,109USAA*$1,406 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Rochester 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. How much is home insurance in other citiesConcordDoverManchesterNashua In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? 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