Average homeowners insurance cost in Rochester, NH

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The average cost of homeowners insurance in Rochester is $1,234 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,270 less than the national average of $2,504.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Rochester depend on a number of factors, including:

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

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Rochester, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Rochester.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Rochester.

Key takeaways

The average cost of homeowners insurance in Rochester is $1,234 per year.
Amica Mutual is the cheapest homeowners insurance company in Rochester with an average annual premium of $779.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $280 more a year for home insurance.

Average homeowners insurance cost in Rochester per month

According to Insure.com’s rate analysis, residents of Rochester pay an average of $103 per month for homeowners insurance. This is $2 more than the state average of $101 and $106 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Rochester can vary depending on your location, property value, and selected coverage options.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $954 per year in Rochester, NH. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

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

According to a rate analysis by Insure.com, homeowners in Rochester pay an average of $1,234 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $280 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Rochester by company

Among the carriers analyzed, Amica Mutual is the most affordable homeowners insurance company in Rochester, offering an average annual rate of $779.

Vermont Mutual ranks second, while Allstate holds the third spot with an average annual rate of $840.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Rochester and compiled a list of the most affordable options.

Below are the details of home insurance companies in Rochester and their average annual premiums.

Home Insurance Company	Annual rate
Amica Mutual	$779
Vermont Mutual	$788
Allstate	$840
Farmers	$1,042
State Farm	$1,102
Plymouth Rock Assurance	$1,155
Nationwide	$1,580
MMG Insurance	$2,021
Auto-Owners	$1,109
USAA*	$1,406

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Rochester 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.