New Hampshire Homeowners Insurance

Read our guide below to get coverage for less than the average New Hampshire homeowners insurance rates of $54 per month. Getting cheap New Hampshire home insurance rates is a matter of asking about policy discounts and comparison shopping online. Enter your ZIP code below to get New Hampshire homeowners insurance quotes from multiple companies for free.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jul 16, 2021

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Everyone who owns a home should be familiar with the major parts of their home insurance policy and the perils the home may face. You may be able to get insurance for less than the average New Hampshire homeowners insurance rates of $647/yr ($54/mo) by using this knowledge to customize your policy in a suitable manner.

  1. Dwelling
    The part of the insured property where you and your family live is the dwelling. Each insurance policy covers one dwelling, regardless of how many secondary residences there are. Home additions or a built in garage are considered part of the dwelling only if they cannot be removed without causing damage to the dwelling itself.
  2. Other Structures
    Any constructions on the property other than the dwelling are classed together as other structures. This can include secondary residences, support structures or decorative structures. Functionality is not necessary for a structure to be included, so a decoration like an antiqued well house would be put into this category.
  3. Personal Property
    Personal property includes everything you own. This includes incidental items such as dishes and linen along with important items such as your music and video collections, decorative antiques, and all of your electronic devices. Usually, the best way to track your insured personal property is to use a home inventory that not only lists the items you own, but gives a visual example of their age and condition.
  4. Loss of Use
    When you are unable to make full use of your home because of an incident caused by a named peril, you are entitled to loss of use compensation for the money you have to spend elsewhere to make up for the inconvenience you experience.

Average New Hampshire Homeowner Insurance Rates vs. US

Source: USCB

Cheaper New Hampshire Home Insurance

Home insurance is a necessary investment, but you can take steps to make it less expensive without cutting back on the coverage you need. Security and safety are what insurance companies like to see from their customers, because reducing the risks is a sign that you are a responsible person and willing to accept some of the responsibility of home protection rather than waiting around for the next claim you have to file.

  • Home Security
    The crime rate in New Hampshire is 4.13 per 1000 people, and can be compared to the national rate of 5.17. To make your home safer, try installing security system that is monitored by off-site professionals, and you can even get an insurance premium discount. You can also install deadbolts or burglar bars for even more security and larger discounts.
  • Reduce Insurance Risks
    A pool around your fence is a great way to prevent accidental pool deaths. Similarly, put up a locking gate at the entrance to your dock. Even if your insurance does not offer you a discount as many do, you will still be safer and doing so can avoid getting caught up in liability lawsuits at some point down the road.
  • Credit Score and Insurance Risk
    You do not have to have the state average credit score of 711 in order to save money on your home insurance. Most insurance companies begin offering discounts at a score of 650, and the discounts get better as the credit score gets higher. To make the most of your credit score as a financial tool, monitor it regularly to eliminate errors and prevent someone else from taking advantage of your financial responsibility.

Home Characteristics Affecting New Hampshire Insurance Rates

Many types of homes are affected by age, and older homes usually cost more to insure. Not only is the material it was built from a factor, but as your pipes and electrical system age they may deteriorate as well, becoming more risky for insurance companies. In New Hampshire, the average age of a home is 35 years years, and that may indicate that overall insurance prices are going to rise in order to compensate for a higher risk of things breaking down.

Local Natural Disasters New Hampshire Homeowners Should Consider Protecting Against

The natural disasters that are common in New Hampshire are not the same as the ones in, for instance, California. Become acquainted with the perils your home faces, and pick up any coverage you need to be more securely protected. In some cases, you may have to buy some types of coverage from high risk pools.

  • Earthquakes
    Ranked at 31 out of 51, making New Hampshire an unlikely place to experience one. Keep in mind, however, that earthquakes are not part of a standard policy and purchase additional coverage if you feel it is warranted.
  • Flood
    New Hampshire residents filed 176 claims in 2009, more than triple the claims filed in Nevada, as an example. Flooding is not part of a standard home policy and may only be available through special high risk pools such as the FAIR plan.
  • Hail
    Hail damages are covered by the standard home insurance policy. Check yours, just in case hail storms have been excluded, but you probably don’t have to do anything to protect against this peril.
  • Hurricanes
    Hurricanes do affect New Hampshire. To have the best protection, purchase flood coverage, even if it comes from a high risk pool, and make sure that hurricane damages are not excluded from your policy.
  • Tornadoes
    With only 4 tornadoes expected in an average year, New Hampshire is near the bottom of the list of tornado-affected states. You probably do not need to do anything to protect against tornadoes.
  • Wildfires
    There are about 74,749 wildfires nationwide each year, and they may happen in every state. Fire, though, is typically part of a standard policy, so you only have to purchase additional insurance if wildfire is specifically excluded from yours.

New Hampshire Homeowners Insurance Optional Coverages

If you own more than a few thousand dollars in personal property, and most families have far more than that today, you need more property insurance than your homeowners policy provides. Your options are to purchase a secondary personal property policy or increase the limits on your home insurance policy. Of the two, increasing your limits is the least expensive route. Similarly, people with more personal assets need better personal injury liability coverage because the coverage in a home insurance policy falls short of the limits a person could sue you for.

Important Contact Information

New Hampshire Department of Insurance
21 South Fruit Street, Suite 14
Concord, NH 03301
Phone: (603) 271-2261

Home Insurance Guides for Nearby States

New Hampshire Insurance Agents

Manchester Home Insurance | Nashua Home Insurance | Concord Home Insurance | Dover Home Insurance | Rochester Home Insurance | Keene Home Insurance | Portsmouth Home Insurance | Bedford Home Insurance | Derry Home Insurance | Hudson Home Insurance | Lebanon Home Insurance

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