Home Home insurance Average home insurance cost Cheapest homeowners insurance in New Hampshire Cheapest homeowners insurance in New Hampshire Written by: Les Masterson Les Masterson 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. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on June 6, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. 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 TakeawaysFor 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 HampshireConcord, 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 premiumConcord$955$80Safeco$1,006$84Travco$1,008$84Travelers$1,032$86Allstate$1,109$92Farmers$1,126$94Nationwide$1,143$95Amica$1,262$105USAA$1,598$133Garrison$1,791$149State Farm$1,803$150Compare cheap homeowners insurance in New Hampshire by ratingsWondering 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 ratingUSAA882A++State Farm835A++Allstate829A+Farmers813ANationwide812A+Safeco810ALiberty Mutual806ATravelers800A++How much is home insurance in New HampshireThe 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$121Cheapest homeowners insurance in New Hampshire by ZIP codeLocation 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 premium3062$1,356$1133063$1,358$1133060$1,361$1133064$1,366$1143871$1,381$1153103$1,383$1153109$1,387$1163101$1,388$1163102$1,389$1163110$1,394$1163054$1,396$1163052$1,400$1173049$1,402$1173031$1,404$1173055$1,405$117 Explore other insurance options in New-Hampshire Average renters insurance cost in New Hampshire Average car insurance cost in New Hampshire Non-owner auto insurance in New Hampshire 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 cityConcordDoverManchesterNashuaRochesterHow much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearColorado$3,082/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor  . .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. In case you missed it What is HO-6 insurance? Average home insurance cost in 2023 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: 14 key questions answered Replacement cost policies for your home: Getting what you pay for How much do claims increase home insurance rates? Mobile home insurance: What does it cover and how much does it cost? Homeowners insurance basics Home Insurance Advisor The Best Cheap Homeowners Insurance of 2021: Guide How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home Insurance Discounts Guide to dog liability insurance: cost and coverage Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Guide to home renovation insurance By Shivani Gite How having a roommate impacts your homeowners insurance coverage By Shivani Gite What does condo insurance cover? By Shivani Gite Does home insurance cover accidental kitchen fires? By Shivani Gite How to switch home insurance By Shivani Gite Is carpenter ant damage covered by homeowners insurance? By Ashlee Tilford On this page Cheap homeowners insurance companies in New Hampshire Compare cheap homeowners insurance in New Hampshire by ratings How much is home insurance in New Hampshire Cheapest homeowners insurance in New Hampshire by ZIP code Get instant quotes now ! Please enter valid zip Get Quotes