Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in New Hampshire

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored New Hampshire Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

788Reviewed

477Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Londonderry

Why choose this provider?

Financial Insurance Services is a local and independent agency that has been serving New Hampshire since 1983. It tailors the best insurance packages for homeowners to protect their personal assets from unexpected circumstances like fire, theft, natural disasters, and incidents on the property that involve another person being injured. The coverage includes liability, medical expenses, personal property, living expenses, and property repairs. Insurance plans are also available for mortgage, windstorm, rental dwellings, beach homes, and secondary residences.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (79)
Google
4.9 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Manchester

Why choose this provider?

Foy Insurance is an independent agency that has been serving New Hampshire and the surrounding areas since 1893. It offers cheap homeowners' insurance policies that cover clients from financial losses caused by fire, hurricane, theft, or accidents on properties. Its team of professionals helps them craft insurance packages that can be customized to include protection from flood damage, sewer backup, equipment breakdown, swimming pool liability, and replacement cost of personal property. The agency also provides special insurance programs for sports, equine, and AmeriKids Gymnastics.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.7 / 5 (49)
Google
4.5 / 5 (16)
Yelp
2.6 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Manchester

Why choose this provider?

Wieczorek Insurance is the best local agency that has been serving New Hampshire since 1964. It customizes homeowners' insurance policies that protect the tangible assets of individuals and families. For properties like homes or apartments, the protection plan covers damages and losses from circumstances like fire, theft, or lawsuits. Its team of independent agents represents a range of insurance carriers including Liberty Mutual, MedPro Group, and Providence Mutual. The agency also provides insurance services for businesses and voluntary benefits.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
Merrimack

Why choose this provider?

Advantage Insurance has been serving New Hampshire since 1992. It helps individuals shop for the best homeowners' insurance policy, which includes add-ons like actual cash value, replacement cost, personal liability, and dwelling coverage. Its customizable protection plans cover jewelry and water backup. Policies for renters, landlords, condos, vacation properties, and short-term rentals are also available. The agency's founder, Chris Woods, is a Certified Insurance Counselor who has served on various boards and committees in the community.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Portsmouth

Why choose this provider?

Kane Insurance is an agency that helps individuals and businesses in New Hampshire acquire the best coverage options. Its personal lines of insurance include policies for homeowners that protect clients against financial losses due to damage caused by unexpected events. The protection plan covers the dwelling, personal property, loss of use, and other structures on the property. The company represents more than 40 carriers and also provides protection plans for renters, landlords, condos, and mobile homes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Manchester

Why choose this provider?

Lapointe Insurance Agency Inc is a company that has been providing the best personalized insurance services for individuals and business owners in New Hampshire since 1960. It represents a range of insurance carriers to help homeowners tailor their policies, including Foremost, Markel, Union Mutual, Farmers Insurance, and The Concord Group. The homeowners' insurance plan covers the personal possessions of the client and living expenses to replace damaged items. The agency also provides insurance coverage options for automobiles and businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Manchester

Why choose this provider?

AS Insurance Agency is a locally owned and operated business serving New Hampshire and other states, like New Jersey, and North Carolina. The Granite State's top insurance provider tailors a single policy or combines multiple ones to help homeowners protect their investments and personal assets. Whether it's a residential property or a motor home, various coverage options are available sourced from multiple insurance carriers, including Kemper, Nationwide, and Safeco. The company also assists clients in printing out auto ID cards and updating their policies.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Nashua

Why choose this provider?

Gate City Insurance is a family-owned and family-operated local business that has been serving New Hampshire since 1997. The state's leader in insurance provides homeowners' insurance policies that cover clients' valuable assets in the event of unexpected losses. Its team of professionals reviews existing coverages or crafts new ones based on individual needs. The agency also offers 24/7 assistance regarding insurance claims. Its principal, Francisco Ginja, is a licensed property and casualty agent for commercial and personal lines. He communicates with clients in English, Portuguese, and Spanish.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Manchester

Why choose this provider?

New England Risk Management, Inc., is the best independent insurance agency that has been serving New Hampshire since 1988. It helps individuals and families in comparing homeowners' insurance policies from different carriers, including Travelers, Progressive, Foremost, MetLife, Bristol West, and Plymouth Rock Assurance. With more than 60 years of combined experience, its team of professionals provides courteous customer service by communicating with clients in-person, by phone, or through the website. The agency also offers insurance coverage options for renters and condo owners.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (6)
Google
4.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Manchester

Why choose this provider?

Fortified Insurance Agency is an independent company serving New Hampshire. It offers cheap homeowners' insurance policies to individuals who want to protect their tangible assets. These cover homes or apartments from risks and losses from unexpected circumstances like fires or natural disasters. The local agency represents multiple insurance carriers to provide tailored solutions, including Hagerty, Foremost, and Markel. Its president, Keith Beausoleil, is a Chartered Property Casualty Underwriter with more than 26 years of industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (74)
Facebook
4.7 / 5 (40)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Hooksett

Why choose this provider?

Jamie Reynolds is the best State Farm insurance agent that has been serving New Hampshire since 2007. He informs individuals and families about homeowners' insurance options to help them in making well-informed decisions in protecting themselves and their assets. The protection plans cover financial losses from damages caused by unexpected circumstances like theft, fire, and liability. Reynolds and his team also provide insurance coverage options for automobiles, businesses, and pets, They assist with relocations across the Hillsborough, Merrimack, and Rockingham County areas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (20)
Facebook
5.0 / 5 (12)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Nashua

Why choose this provider?

Corriveau Insurance Agency, Inc., is the best family-owned local business that has been operating in New Hampshire since 1912. It provides homeowners' insurance for different types of residential properties such as condominiums, mobile homes, secondary residences, and multi-family homes. The customizable coverage options include dwelling, personal property, liability, loss of use, other structures on the property, and water and sewer backup. Its team of independent agents also guides clients in navigating through the insurance marketplace for RV, boat, and ATV insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (65)
Facebook
5.0 / 5 (48)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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