We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in New Hampshire.
By
Andrew HurstAndrew HurstSenior Editor & Licensed Insurance ExpertAndrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Edited by
Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by
Britta M. MossBritta M. MossProperty & casualty claim consultant and expert witnessBritta M. Moss, CPCU, SCLA, AIC-M, has over 25 years of insurance industry experience. In her work as a property and casualty claim consultant, she provides consultation and expert witness services in claim handling standards, practices, and norms. She has been retained by law firms representing plaintiffs and those representing insurer defendants involved in disputes or litigation regarding coverage analysis, investigation, liability determination, damage evaluation, negotiation and settlement. She is a graduate of The Ohio State University.
Updated|4 min read
Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.
New Hampshire is a state with a rich and deep history, but it's also an area known for severe storms, including winter storms and floods. Even with these natural disasters, home insurance is very affordable.
The average cost of homeowners insurance in New Hampshire is only $953 per year or $79 a month. This is over 46% cheaper than the national average of $1,754 per year.
Compare home insurance rates in New Hampshire
Compare the best homeowners insurance companies in New Hampshire
According to our analysis, Auto-Owners, StateFarm, Amica, and Allstate are the best homeowners insurance companies in New Hampshire.
Policygenius analyzed thousands of quotes the largest New Hampshire insurers to find the average cost of homeowners insurance at each company. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of New Hampshire residents to find the best homeowners insurance in New Hampshire.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Compare home insurance rates in New Hampshire
2024 Policygenius award winner
Auto-Owners Insurance
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Why we chose it
Auto-Owners Insurance is the best homeowners insurance company in New Hampshire thanks to its cheap rates, coverage options, its high marks for financial strength, and its customer experience ratings.
Pros and cons
Pros
Cheaper rates than average in New Hampshire
Offers additional coverage options
Lots of discounts
Cons
Not able to get quotes or file claims online
More details
Why we chose it
Auto-Owners Insurance is our pick for the best overall home insurance company in New Hampshire. For one, home insurance coverage from Auto-Owners costs $135 less than average per year — and the company offers a range of discounts you can use to lower your rates even more.
With endorsements like guaranteed replacement cost coverage, water backup protection, inland flood coverage, and a comprehensive Homeowners Plus endorsement package, Auto-Owners offers many ways to customize your policy.
How much does Auto-Owners home insurance cost in New Hampshire?
The average cost of Auto-Owners home insurance in New Hampshire is $818 per year, which is 14% cheaper than the statewide average.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.8
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is one of the best home insurance companies in New Hampshire thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
Top-tier coverage add-ons, including extended replacement cost coverage
High customer satisfaction and financial strength ratings
Cons
No discounts for first-time homebuyers
Higher rates than average in New Hampshire
More details
Why we chose State Farm
State Farm is one of our picks for the best home insurance company in New Hampshire, especially if you want to add coverage to a basic policy. State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.
State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.
How do State Farm home insurance rates compare to the New Hampshire average?
The average cost of home insurance from State Farm in New Hampshire is $1,085 per year, which is 14%more expensive than the statewide average.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Offers gap coverage
Offers new car replacement
Mobile app
Good student discount
Offers extended replacement cost
Smart home discounts
Why we chose it
Amica is the best home insurance company in New Hampshire if you're looking for highly rated customer service. Amica also has many great ways to customize a basic policy and a unique dividend policy option that can reduce the cost of your insurance.
Pros and cons
Pros
Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys
Lots of coverage add-ons, including extended replacement cost coverage
Unique dividend policy option to earn up to 20% back on insurance premiums each year
Cons
More expensive than average in New Hampshire
More details
Why we chose Amica
Amica has the best customer service ratings of any insurer in New Hampshire. Amica has consistently been rated highly on J.D. Power's Claims and Customer Satisfaction Surveys. The company also has a superior A+ rating from AM Best and gets 20% fewer complaints than other companies, according to the National Association of Insurance Commissioners.
Amica's coverage options stack up well against other companies, too. Homeowners can get guaranteed and extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, coverage for computers and smart devices, and more.
Finally, Amica offers a unique dividend policy that could earn you between 5% and 20% of the cost of your insurance each year, depending on how well the company does financially.
How do Amica home insurance rates compare to average in New Hampshire?
The average cost of Amica home insurance in New Hampshire is $1,126 per year, which is 18% more expensive than the statewide average.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Smart home discounts
Why we chose it
Allstate is one of the top home insurance companies in New Hampshire. Despite having higher-than-average rates, Allstate offers a few add-ons that can make a basic policy stronger.
Pros and cons
Pros
Offers HostAdvantage for short-term rental coverage
Offers water backup protection, other endorsements
Cons
Beginning to pull back coverage in high-risk areas
Customer experience scores with J.D. Power are below the segment average
Rates are more expensive than average in New Hampshire
More details
Why we chose Allstate
We like that Allstate offers a few home insurance coverages that you can add to your policy for more protection. These coverages include water backup protection, scheduled personal property coverage, and identity theft restoration coverage.
If you're looking to cover your short-term rental, Allstate's HostAdvantage is another perk. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.
How do Allstate home insurance rates compare to the New Hampshire average?
The annual average cost of Allstate home insurance in New Hampshire is $1,089 per year, which is 14% more expensive than the statewide average.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
How much is homeowners insurance in New Hampshire?
The average cost of homeowners insurance in New Hampshire is $953 per year, or $79 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in New Hampshire is $801 cheaper than the national average per year.
New Hampshire homeowners insurance rates by city
We calculated the cost of home insurance in New Hampshire's largest cities and found that Rochester is the cheapest big city for homeowners insurance in the state, while Seabrook Beach is the most expensive.
Here’s a look at the average cost of home insurance in the 20 largest cities in New Hampshire.
City
Average monthly cost
Average annual cost
Difference from state average (%)
Manchester
$82
$983
3%
Nashua
$77
$922
-3%
Concord
$79
$952
0%
Dover
$80
$959
1%
Rochester
$76
$908
-5%
Keene
$77
$926
-3%
Portsmouth
$83
$994
4%
Laconia
$81
$976
2%
Lebanon
$80
$954
0%
Claremont
$79
$946
-1%
Somersworth
$78
$935
-2%
Berlin
$81
$966
1%
Franklin
$81
$968
2%
Seabrook Beach
$89
$1,062
11%
Derry
$84
$1,006
6%
East Candia
$81
$971
2%
East Derry
$82
$978
3%
Goffstown
$78
$930
-2%
Hudson
$77
$925
-3%
Londonderry
$84
$1,007
6%
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New Hampshire homeowners insurance rates by coverage amount
The table below highlights the average annual premium in New Hampshire for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.
Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.
Dwelling coverage limit
Average annual cost
$100,000
$450
$200,000
$702
$300,000
$953
$400,000
$1,200
$500,000
$1,426
Compare home insurance rates in New Hampshire
Cheapest homeowners insurance companies in New Hampshire
Based on our analysis of home insurance rates in every one of the state's ZIP codes, we found that AmericanFamily, VermontMutual, PlymouthRock, Farmers, and Auto-OwnersInsurance have the cheapest average home insurance rates in New Hampshire.
Cheapest New Hampshire homeowners insurance if you have poor credit
If you have a poor credit score, your insurance rates are likely to be higher. This is because insurance companies connect having poor credit with being more likely to make a future claim.
With an average rate of $892 per year, Safety Insurance has the cheapest home insurance rates in New Hampshire for a homeowner with poor credit.
Company
Average annual cost
Safety Insurance
$892
Plymouth Rock
$1,020
Vermont Mutual
$1,141
Frakenmuth Insurance
$1,239
Farmers
$1,260
Auto-Owners Insurance
$1,261
American Family
$1,297
MAPFRE Insurance
$1,368
Nationwide
$1,375
Amica
$1,437
Allstate
$1,672
MMG Insurance
$1,692
State Farm
$1,822
USAA
$2,396
The Hanover
$3,466
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Cheapest New Hampshire homeowners insurance if you have an older home
It can cost a lot to insure older homes. That's because they're more prone to structural damage than new homes. Older homes are also often constructed out of materials and with features that would be expensive to replace if they were damaged.
With an average annual premium of $657, Vermont Mutual offers the cheapest home insurance rates in New Hampshire for a home over 100 years old.
Company
Average annual cost
Vermont Mutual
$657
Plymouth Rock
$681
Farmers
$708
Auto-Owners Insurance
$790
Safety Insurance
$892
Frankenmuth Insurance
$1,017
State Farm
$1,048
Nationwide
$1,049
USAA
$1,065
MAPFRE Insurance
$1,078
Allstate
$1,109
Amica
$1,271
MMG Insurance
$1,457
The Hanover
$1,903
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Cheapest New Hampshire homeowners insurance if you have a history of claims
Claims history is one of the most important factors insurers use when determining home insurance premiums. If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.
With an average annual premium of $811, VermontMutual offers the cheapest home insurance rates in New Hampshire if you've filed three claims within a five-year period.
Company
Average annual cost
Vermont Mutual
$811
Safety Insurance
$925
Auto-Owners Insurance
$1,079
State Farm
$1,194
MAPFRE Insurance
$1,432
MMG Insurance
$1,504
USAA
$1,690
Farmers
$1,715
Allstate
$1,833
Nationwide
$1,886
Plymouth Rock
$2,014
Frakenmuth Insurance
$2,310
Amica
$2,517
The Hanover
$2,557
Collapse table
Coverage options in New Hampshire
When looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.
Before you buy homeowners insurance in New Hampshire, you should be sure you're protected against flooding and winter weather.
Flood insurance
Homeowners insurance doesn't cover damage from floods. Although less than 2% of homes in New Hampshire have flood insurance, you should consider getting a flood insurance policy if you live near the coast or in a low-lying part property.
Some companies offer flood endorsements or even separate flood insurance policies. New Hampshire homeowners can compare private flood insurance companies in the state with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program (NFIP).
Insurance for wintry weather
New Hampshire's winters could damage your home. Fortunately, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.
That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.
Compare home insurance rates in New Hampshire
Frequently asked questions
Does New Hampshire require homeowners insurance?
There is no state law that requires homeowners in New Hampshire to carry home insurance, but most mortgage lenders will require you to purchase a policy before they’ll extend you a home loan.
What factors affect the cost of home insurance?
There several factors that impact home insurance rates, including type of home you live in, your location, and even personal factors like credit score and having a certain breed of dog can have big impacts on how much you pay for home insurance.
Does age affect home insurance costs?
The most common way age affects the cost of home insurance is the age of a home, not the age of the homeowner. If you live in an older home or one that would need substantial improvements in the event of a rebuild, then you will likely see higher than average homeowners insurance rates.
Andrew Hurst is a former senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Pat Howard is a licensed insurance expert and former managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.