Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in New Hampshire Average homeowners insurance cost in New Hampshire Homeowners insurance in New Hampshire costs $1,209 per year or $101 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: November 21, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, New Hampshire homeowners insurance costs $1,209 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in New Hampshire. Key Takeaways Homeowners insurance costs an average of $1,209 a year, based on Insure.com analysis.Of all the ZIP codes in New Hampshire, 3052 has the most affordable home insurance rates at around $1,127 annually.In New Hampshire, Vermont Mutual provides the most affordable home insurance at an average annual premium of $744. Average home insurance cost in New Hampshire by coverage levelIn New Hampshire, the annual homeowners insurance cost is $1,209, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $789 in New Hampshire, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in New Hampshire based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate200000 with 1000 Deductible and 100000 Liability and 2% Deductible$937$78200000 with 1000 Deductible and 300000 Liability and 2% Deductible$948$79300000 with 1000 Deductible and 100000 Liability and 2% Deductible$1,209$101300000 with 1000 Deductible and 300000 Liability and 2% Deductible$1,221$102400000 with 1000 Deductible and 100000 Liability and 2% Deductible$1,476$123400000 with 1000 Deductible and 300000 Liability and 2% Deductible$1,488$124600000 with 1000 Deductible and 100000 Liability and 2% Deductible$2,017$168600000 with 1000 Deductible and 300000 Liability and 2% Deductible$2,032$1691000000 with 1000 Deductible and 100000 Liability and 2% Deductible$3,051$2541000000 with 1000 Deductible and 300000 Liability and 2% Deductible$3,070$256In New Hampshire, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in New HampshireIt’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.We have compared the insurers in New Hampshire using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in New Hampshire. Based on the analysis, Vermont Mutual received the lowest NAIC score and A+ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best Rating NAIC Complaint IndexOverall scoreVermont Mutual$744A+0.075Auto-Owners$1,041A++0.334.82Allstate$803A+0.94.15Farmers$1,043A0.544.15State Farm$1,148A++0.953.8Nationwide$1,586A+0.873.32MMG Insurance$1,884A0.613.17Plymouth Rock Assurance$1,234A-1.383.07Average homeowners insurance cost by company in New HampshireVermont Mutual offers the most affordable homeowners insurance in New Hampshire, at an average annual premium of $744, followed by Amica and Allstate.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for New Hampshire homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateVermont Mutual$744$62Amica$789$66Allstate$803$67Auto-Owners$1,041$87Farmers$1,043$87State Farm$1,148$96Plymouth Rock Assurance$1,234$103Nationwide$1,586$132MMG Insurance$1,884$157USAA$1,363$114New Hampshire homeowners insurance rates by ZIP codeInsurance providers in New Hampshire factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in New Hampshire, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in New HampshireNot every area in New Hampshire has the same home insurance cost. How much you pay for homeowners insurance in New Hampshire depends on many factors, including your ZIP code. Our data shows that 3052 ZIP has low-cost home insurance rates in New Hampshire, at about $1,127 a year or $94 monthly.Below you can find homeowners insurance rates for some of the most affordable ZIP codes in New Hampshire.ZIP codeAverage annual rateAverage monthly rate3052$1,127$943051$1,128$943458$1,131$943084$1,134$943082$1,136$953765$1,137$953592$1,139$953049$1,141$953076$1,143$953440$1,145$95Most expensive ZIP codes for home insurance rates in New HampshireIn New Hampshire, certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.Homeowners in 3870 ZIP pay the highest insurance rates in New Hampshire, with an average annual premium of $1,593.Below is a list of some of the most expensive ZIP codes in New Hampshire for homeowners insurance.ZIP codeAverage annual rateAverage monthly rate3870$1,593$1333874$1,572$1313842$1,413$1183871$1,356$1133862$1,354$1133844$1,348$1123854$1,339$1123217$1,282$1073254$1,274$1063268$1,272$106Home 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 cityConcordDoverManchesterNashuaRochesterHome insurance rate trend in New HampshireWe analyzed home insurance rate trends in New Hampshire and found that homeowners insurance rates experienced an overall increase of 7% or $76, from 2022 to 2023.The data below shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,089$1,133$1,209To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure the most affordable coverage in New Hampshire.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. 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 How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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