Average homeowners insurance cost in Manchester, NH

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As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Manchester is $1,215 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $1,289 less than the national average of $2,504.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Manchester depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Vermont Mutual is the cheapest homeowners insurance company in Manchester with an average annual premium of $1,215 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Manchester. Keep reading to learn about the monthly cost of homeowners insurance in Manchester, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Manchester.

Key takeaways

The average cost of homeowners insurance in Manchester is $1,215 per year.
Vermont Mutual is the cheapest homeowners insurance company in Manchester with an average annual premium of $707.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $275 more a year for home insurance.

Average homeowners insurance cost in Manchester per month

According to our rate analysis, homeowners in Manchester pay an average of $101 per month. It’s same as the state average of $101 and $108 less than the national average for home insurance across the United States.

In Manchester, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Manchester

The average cost of homeowners insurance in Manchester, NH is $940 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Manchester

According to Insure.com’s rate analysis, homeowners in Manchester typically pay an average of $1,215 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $275. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in Manchester by Company

Among the carriers analyzed, Vermont Mutual is the cheapest homeowners insurance company in Manchester. It’s average annual rate for Manchester homeowners is $707. Allstate ranks second and Amica Mutual makes it to the third spot with an average annual home insurance rate of $929.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Manchester and prepared a list of the cheapest home insurance providers. You can find below the Manchester home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Vermont Mutual	$707
Amica Mutual	$929
State Farm	$1,002
Farmers	$1,019
Auto-Owners	$1,052
Plymouth Rock Assurance	$1,052
MMG Insurance	$1,955
Allstate	$862
Nationwide	$1,648
USAA*	$1,391

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Manchester for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.