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.
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.
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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.
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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%
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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:
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