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You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance. Saving money on homeowners insurance in New Hampshire can be challenging if you don’t know the facts.

Concord has the lowest average homeowners insurance rates in New Hampshire, with an average premium of $955 a year or $80 a month.

The good news is that Insure.com has simplified matters by carefully researching carriers and prices to find cheap homeowners insurance in New Hampshire. We’ve ranked the most affordable homeowners insurance providers in New Hampshire to help you in this process. Read further for our recommendations and for additional strategies designed to help you pay less for premiums.

Key Takeaways

  • For homeowners insurance with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible, Concord offers the cheapest homeowners insurance in New Hampshire at $955 per year.
  • In New Hampshire the homeowners insurance cost is $850 less than the national average.
  • Amongst all the zip codes in New Hampshire, the cheapest homeowners insurance is available at the 3062 zip code, with average annual premium of $1,356 per year.

Cheap homeowners insurance companies in New Hampshire

Concord, Safeco and Travco have the cheapest homeowners insurance in New Hampshire, on average.

There’s a large rate difference between home insurance companies. New Hampshire homeowners could save more by shopping around and comparing insurance quotes.

Here are average annual and monthly New Hampshire home insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
Concord$955$80
Safeco$1,006$84
Travco$1,008$84
Travelers$1,032$86
Allstate$1,109$92
Farmers$1,126$94
Nationwide$1,143$95
Amica$1,262$105
USAA$1,598$133
Garrison$1,791$149
State Farm$1,803$150

Compare cheap homeowners insurance in New Hampshire by ratings

Wondering how to choose the best insurance company among the options available? We have analyzed the cheapest homeowners insurance companies in New Hampshire based on J.D. Power score and AM best rating. According to Insure.com’s survey, USAA received the highest J.D. power score of 882 and A++ rating from AM best.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

How much is home insurance in New Hampshire

The average cost of homeowners insurance in New Hampshire is $1,455 annually for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

One primary driver of home insurance cost is claims history. Here are the top average home insurance percentage premium increases based on claims:

  • Filing a second fire claim — 60%
  • Filing a second theft claim — 55%
  • Filing a second liability claim — 52%
  • Filing a second water damage claim — 50%
  • Filing a second medical claim — 34%

Average annual premiumAverage monthly premium
$1,455$121

Cheapest homeowners insurance in New Hampshire by ZIP code

Location is a crucial part of your home insurance rate. Areas with more claims pay higher rates than ones that don’t have many. Here are the average home insurance rates by ZIP codes in New Hampshire:

ZIP codeAverage annual premiumAverage monthly premium
3062$1,356$113
3063$1,358$113
3060$1,361$113
3064$1,366$114
3871$1,381$115
3103$1,383$115
3109$1,387$116
3101$1,388$116
3102$1,389$116
3110$1,394$116
3054$1,396$116
3052$1,400$117
3049$1,402$117
3031$1,404$117
3055$1,405$117

Know how much is home insurance in other states

Alaska$1,799/Year
Alabama$2,981/Year
Arkansas$3,439/Year
Arizona$1,976/Year
California$1,166/Year
Colorado$3,082/Year
Connecticut$1,961/Year
Washington D.C.$1,488/Year
Delaware$1,521/Year
Florida$3,439/Year
Georgia$2,555/Year
Hawaii$499/Year
Iowa$2,540/Year
Idaho$1,842/Year
Illinois$2,201/Year
Indiana$2,423/Year
Kansas$3,931/Year
Kentucky$2,862/Year
Louisiana$3,270/Year
Massachusetts$1,920/Year
Maryland$1,518/Year
Maine$1,833/Year
Michigan$2,153/Year
Minnesota$3,010/Year
Missouri$3,111/Year
Mississippi$3,340/Year
Montana$2,809/Year
North Carolina$2,009/Year
North Dakota$2,601/Year
Nebraska$3,133/Year
New Jersey$1,744/Year
New Mexico$2,299/Year
Nevada$1,486/Year
New York$1,840/Year
Ohio$2,107/Year
Oklahoma$4,445/Year
Oregon$1,608/Year
Pennsylvania$1,720/Year
Rhode Island$2,125/Year
South Carolina$2,678/Year
South Dakota$3,172/Year
Tennessee$2,692/Year
Texas$3,429/Year
Utah$1,378/Year
Virginia$1,956/Year
Vermont$1,212/Year
Washington$1,514/Year
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
Contributor

 
  

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.

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