Cheapest Homeowners Insurance in New Hampshire with rates for 2022

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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.

Company	Average annual premium	Average 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.

Company	J.D. Power score	AM Best rating
USAA	882	A++
State Farm	835	A++
Allstate	829	A+
Farmers	813	A
Nationwide	812	A+
Safeco	810	A
Liberty Mutual	806	A
Travelers	800	A++

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 premium	Average 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 code	Average annual premium	Average 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

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

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

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.