The Best Homeowners Insurance in New Hampshire [2023]


Find a top-ranked Homeowners Insurance Agency in your area

If you’ve ever visited Hawaii, there’s a good chance you thought about dropping everything and moving there on the spot. Whether a Hawaiian native or new resident, the Aloha State is home to some of the most beautiful beaches, oceans, and national parks. 

However, living in Hawaii comes with long hurricane seasons and earthquakes caused by volcanic activity — much of it from the largest volcanic mountain by volume in the world, Mauna Loa. It’s important to know how to properly insure your home to protect your family and belongings. 

We at have analyzed a handful of home insurance companies. We’ll uncover everything to know about homeowners insurance rates in Hawaii, and help you find the most comprehensive, cheapest coverage to suit your needs.

Average Cost of Homeowners Insurance in New Hampshire

The average cost of homeowners insurance in New Hampshire is $1,455 per year according The state’s average home insurance cost is $850 less than the national average of $2,305. 

The cost of home insurance in the Granite State can differ vastly based on a few key factors:

  • The age of your home: Is your New Hampshire home an older home that is at risk of more structural wear and tear?

  • The square footage of your home: How big is your home? In general, larger homes will cost more to insure.

  • The materials used to build your home: Was your New Hampshire home built using materials prone to things like rotting or structural damage?

  • Building costs in your area: Because insurance deals with repairs and replacement, coverage increases with increased building costs.

  • The location in which you live: What are crime rates like? How close are you to a fire department? How close are you to water or the coastline?

  • Any additional features: Does your house have a swimming pool or hot tub that could pose a potential risk to guests? Do you have pets, and if so, what are their breeds? Surprisingly, insurers will look at these things when assessing prices.

  • Your deductible: A higher deductible will decrease your premium, but could cost you more if you file an insurance claim. Talk to your insurance company about diminishing deductibles to get the best plan that suits your payment needs.

New Hampshire Homeowners Insurance Rates by City

The average annual home insurance rate varies city by city, with Seabrook showing the highest average annual rate in the state. 

To give you an idea of what insurance can cost in your state, we’ve provided a breakdown of the average annual rates by New Hampshire city


Average Annual Rate



North Hampton

Hampton Falls

Rye Beach

New Castle









The Best Homeowners Insurance Companies in New Hampshire

After extensive research, we at Expertise.comfound the following insurance agencies to provide the best, comprehensive coverage in New Hampshire:



Average Annual Rate: ~ N/A

Notes: Offers complimentary wildfire and hurricane protection services

USAA logo


Average Annual Rate: ~ $1,135

Notes: A great option for veterans or active-duty military members

Allstate logo


Average Annual Rate: ~ $1,135

Notes: A great option for veterans or active-duty military members

Progressive logo


Average Annual Rate: ~ N/A

Notes: Name Your Price tool allows customers to state their budget and Progressive will find coverage options within that price range



Average Annual Rate: ~ N/A

Notes: Highly customizable plan options with a wide variety of endorsement add-ons

Be sure to contact each agency for a more accurate home insurance quote.

Cheapest Homeowners Insurance in New Hampshire

The cheapest homeowners insurance coverage in New Hampshire is Concord for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Remember that each homeowners insurance quote will vary depending on the details of your home and your personal information, so it’s a good idea to get quotes from multiple companies before making a decision. If you’re aiming to keep your home insurance costs low, check Concord’s coverage options first. 

Searching on phone

Find Cheap Homeowners Insurance in Your Area


Below, we tackle some common questions to help you make a more informed decision about which homeowners insurance to choose in New Hampshire specifically. 

How to Reduce Homeowners Insurance Costs in New Hampshire

As we’ve pointed out, the price you pay for insurance can vary substantially across insurers. 

Here are a few ways to reduce costs:

  • Increase your deductible. This will help reduce monthly costs to your insurer, but it may mean paying more out of pocket should you need to make a claim. Similarly, paying your 6-month or 1-year premium in full will drive down monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save 5–15% on your insurance premiums. Talk to your insurance company about home and car insurance bundling options and how that helps you save.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get a burglar alarm and/or dead-bolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Similar to the above point, rid your home of things that are considered “high risk.” For example, did the kids go off to college? Time to throw out that trampoline that’s sitting in the backyard.

  • Seek out other discounts. Some things to look into:

    • Do you work from home? Insurance providers may feel you’re less prone to theft or may spot a fire or flood sooner.

    • Are you retired? You may qualify for a discount. 

    • Does your employer offer a group deal?

    • Are you a new homeowner? Some companies offer discounts for first-time homebuyers.

    • Even something as simple as choosing paperless billing can help you save!

  • Keep good credit. Some agencies will look at your credit history and charge less for those with good financial strength and standings.

As always, consult your insurance agent to see which of the above discounts you qualify for.

New Hampshire Insurance Options In Your City

At, our goal is to connect New Hampshire residents with the best local experts and agencies, so you can find the home insurance policy that safely insures your home and most prized possessions. 

View our list of the 12 best homeowners insurance agencies here

Learn more about the best options in your respective New Hampshire cities below:

Our methodology evaluates each company based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.