Best homeowners insurance in New Hampshire (2024)

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.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and 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.

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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, State Farm, 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

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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.

Full orange starFull orange starFull orange starFull orange starFull orange star

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 itchevron icon

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 conschevron icon

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 detailschevron icon

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

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2024 Policygenius award winner

State Farm

State Farm logo

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.

Full orange starFull orange starFull orange starFull orange starHalf orange star

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 itchevron icon

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 conschevron icon

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 detailschevron icon

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.

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2024 Policygenius award winner

Amica

Amica home insurance logo

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.

Full orange starFull orange starFull orange starFull orange starHalf orange star

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 itchevron icon

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 conschevron icon

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 detailschevron icon

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.

How to get a quote

Online through Amica

award icon

2024 Policygenius award winner

Allstate

Allstate logo

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.

Full orange starFull orange starFull orange starFull orange starHalf orange star

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 itchevron icon

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 conschevron icon

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 detailschevron icon

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 American Family, Vermont Mutual, Plymouth Rock, Farmers, and Auto-Owners Insurance have the cheapest average home insurance rates in New Hampshire.

Company

Average annual cost

American Family

$584

Vermont Mutual

$657

Plymouth Rock

$689

Farmers

$690

Auto-Owners Insurance

$818

Frakenmuth Insurance

$887

Safety Insurance

$892

Nationwide

$999

MAPFRE Insurance

$1,078

State Farm

$1,085

USAA

$1,086

Allstate

$1,089

Amica

$1,126

MMG Insurance

$1,405

The Hanover

$1,413

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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, Vermont Mutual 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

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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.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a licensed insurance expert and 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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