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.

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
Liberty Mutual$3,378$281

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
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