Average renters insurance cost in New Hampshire

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Renters insurance in New Hampshire costs an average of $160 per year, or $13 per month. That’s for a standard policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible – a solid starting point for most renters.

Your actual rate depends on how much coverage you choose, which insurance company you go with, and personal factors like your ZIP code, claims history, and in some states, credit score

How much does renters insurance cost in New Hampshire?

At $13 per month, renters insurance in New Hampshire is based on a policy with $40,000 in personal property coverage and $300,000 in liability protection. Your premium will shift depending on your location, the coverage limits you set, and the total worth of your possessions. Shopping around and comparing quotes from different insurers is one of the most effective ways to keep costs manageable.

It’s worth remembering that a higher deductible might reduce your monthly premium, while broader coverage for valuables such as electronics or jewelry will increase it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in New Hampshire: Where to start

On average, renters insurance in New Hampshire costs $160 per year, or $13 per month
Among all providers in New Hampshire, Amica consistently comes in with the lowest average rates – around $95 per year
Because premiums can vary significantly from one insurer to the next, comparing multiple quotes before settling on a policy is always a good idea

Which companies offer the cheapest renters insurance in New Hampshire?

Amica offers the most affordable renters insurance in New Hampshire, with an average annual cost of $95. Vermont Mutual and MMG Insurance are also worth considering if you’re looking to keep costs down.

Choosing the cheapest insurer isn’t always the best option, so it’s important to review coverage limits, deductibles, and available discounts alongside price. The table below shows average annual and monthly rates from a range of insurers in New Hampshire.

Company	Average annual rate	Average monthly rate
Amica	$95	$8
Vermont Mutual	$100	$8
MMG Insurance	$150	$13
State Farm	$152	$13
Nationwide	$173	$14
Auto-Owners	$184	$15
Allstate	$190	$16
USAA*	$172	$14

*USAA is only available to military community members and their families.

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history and other rating factors.

Renters insurance calculator in New Hampshire

$148/year

Estimated renters insurance rates in New Hampshire

$12

Monthly renters insurance cost in New Hampshire

-45%

Compared to national average

How much does renters insurance cost by coverage level in New Hampshire?

At the standard coverage level – $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – renters insurance in New Hampshire averages $160 per year.

If you reduce your personal property coverage to $20,000, that average drops to around $126 annually. Before making that adjustment, it’s worth confirming that $20,000 would genuinely cover the cost of replacing your belongings.

The table below compares average annual renters insurance costs in New Hampshire at both the $20,000 and $40,000 coverage levels.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$121	$10
$20,000 with $500 Deductible and $300,000 Liability	$134	$11
$20,000 with $1,000 Deductible and $100,000 Liability	$114	$9
$20,000 with $1,000 Deductible and $300,000 Liability	$126	$10
$40,000 with $500 Deductible and $100,000 Liability	$158	$13
$40,000 with $500 Deductible and $300,000 Liability	$171	$14
$40,000 with $1,000 Deductible and $100,000 Liability	$148	$12
$40,000 with $1,000 Deductible and $300,000 Liability	$160	$13
$60,000 with $500 Deductible and $100,000 Liability	$195	$16
$60,000 with $500 Deductible and $300,000 Liability	$209	$17
$60,000 with $1,000 Deductible and $100,000 Liability	$181	$15
$60,000 with $1,000 Deductible and $300,000 Liability	$195	$16

People also ask: How much renters insurance coverage do I need?

Coverage needs vary from person to person, but a common starting range is $20,000 to $40,000 in personal property protection and at least $300,000 in liability coverage. The right amount ultimately comes down to the value of what you own, whether any of your items warrant separate endorsements, and how much of a financial cushion you want between you and an unexpected loss.

How much does renters insurance cost by city in New Hampshire?

Your city within New Hampshire can have a real impact on your renters insurance premium. Insurers factor in local variables like crime statistics, weather history, and how urban or suburban an area is when setting rates.

Here’s how average renters insurance costs break down across major cities in New Hampshire.

Does your ZIP code affect renters insurance rates in New Hampshire?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

In New Hampshire, rates range from about $153 in 3601 to $181 in 3870. Here are the cheapest and most expensive ZIP codes for renters insurance in New Hampshire.

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

What are the most affordable ZIP codes for renters insurance in New Hampshire?

In New Hampshire, your ZIP code plays a major role in determining your premiums. Based on our data, 3601 is the most affordable ZIP code for renters insurance, with an average annual cost of $153.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

ZIP code	City	Average annual rate	Average monthly rate
3601	Acworth	$153	$13
3602	Alstead	$153	$13
3603	Charlestown	$153	$13
3743	Claremont	$153	$13
3745	Cornish	$153	$13
3746	Cornish Flat	$153	$13
3604	Drewsville	$153	$13
3751	Georges Mills	$153	$13
3752	Goshen	$153	$13
3753	Grantham	$153	$13

What are the least affordable ZIP codes for renters insurance in New Hampshire?

3870 is the most expensive ZIP code for renters insurance in New Hampshire, at an average cost of $181 annually or $15 monthly.

Here are the average annual renters insurance rates for every ZIP code in New Hampshire, based on quotes from major insurers.

ZIP code	City	Average annual rate	Average monthly rate
3870	Rye	$181	$15
3871	Rye Beach	$180	$15
3842	Hampton	$179	$15
3862	North Hampton	$179	$15
3874	Seabrook	$178	$15
3854	New Castle	$177	$15
3840	Greenland	$176	$15
3844	Hampton Falls	$175	$15
3801	Portsmouth	$175	$15
3885	Stratham	$175	$15

How to lower your renters insurance, even in a high-cost ZIP code

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

Is renters insurance worth it in New Hampshire?

For most renters in New Hampshire, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey – over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in New Hampshire?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.