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Average cost of home insurance in New Hampshire

The average cost of home insurance in New Hampshire is $709 per year, and home insurance costs $250,000. This is well below the national average of $1,477. New Hampshire averages $982 a year, below Maine compared to its neighbors. However, New Hampshire costs a little more than the Vermont average of $681.

New Hampshire Home Insurance Considerations

New Hampshire experiences its fair share of unpredictable weather conditions. That means getting as comprehensive coverage as possible in your homeowner’s policy can be a wise decision.

Common Causes of Casualties in New Hampshire

Hurricanes pose the greatest risk to homes in New Hampshire, which is the 19th state with the highest storm risk. The state is also at moderate risk from tornadoes, wildfires, and earthquakes. increase. But blizzards and ice storms can also devastate homes in the Northeast, burst pipes, collapse roofs, and uproot power lines and trees.

Recommended coverage in New Hampshire

It is important to consider the above risk factors when choosing homeowners insurance coverage options. In addition to home insurance, it may be worth considering:

  • Flood insurance (purchased from FEMA): A separate flood damage policy for those living in flood-prone areas such as the New Hampshire coast.

Frequently Asked Questions

What is the cheapest home insurance in New Hampshire?

The cost of home insurance depends on a number of factors, including your credit rating, age of your home, and location. Amica Mutual and USAA offer the lowest home insurance rates in New Hampshire, according to Bankrate research.

How do I get home insurance in New Hampshire?

More than 100 companies sell home insurance in New Hampshire, including leading providers such as Allstate, Amica Mutual and State Farm.

Will New Hampshire Farmers Have Higher Insurance Premiums?

Cottage insurance can be expensive, depending on how close you are to emergency services. Insurance companies offer the best premiums for homes within 5 miles of a fire station and 1000 feet of a hydrant.


Business Insurance uses the Quadrant data service to analyze rates for all zip codes and carriers in all 50 states and Washington, DC. Rates quoted are based on male and female homeowners age 40+, no claim history, good credit history, and coverage limits below.

  • Cover A, Residence: $250,000
  • Cover B, other structures: $25,000
  • Cover C, private property: $125,000
  • Cover D, disabled: $50,000
  • Cover E, Liability: $300,000
  • F Compensation, medical expenses: $1,000

Owners also have a $1,000 deductible and separate deductibles for wind and hail (if required).

These are sample rates and should only be used for comparison purposes. Offers may vary.

Pricing is determined based on 2020 Quadrant Information Services data.

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