The Best and Cheapest Home Insurance in New Hampshire (2026)
Vermont Mutual has the cheapest home insurance in NH for most people, at $721/yr for $350,000 in dwelling coverage, on average. | ||
In New Hampshire, home insurance costs an average of $1,028/yr. That's the third-cheapest average rate in the country. | ||
In Hampton Beach, home insurance costs $1,284/yr for $350,000 in dwelling coverage. Rates are usually higher in the southeastern part of the state. |
Vermont Mutual has the cheapest home insurance in NH for most people, at $721/yr for $350,000 in dwelling coverage, on average. | ||
NH home insurance costs $1,028/yr, on average. Rates are higher in the southeastern part of the state. |
Find Cheap Home Insurance Quotes in New Hampshire
Who sells the best cheap home insurance in New Hampshire?
What company has the cheapest home insurance in New Hampshire?
Vermont Mutual has the cheapest home insurance in New Hampshire for most people, with an average rate of $721 for $350,000 in dwelling coverage.
Find Cheap Home Insurance Quotes in New Hampshire
- If you have a new home, Amica might be a cheaper option. Amica also has excellent customer service.
- USAA generally has cheap rates, but in New Hampshire, its average costs are actually higher than the state average. Even military members should shop around and compare quotes.
Best cheap home insurance in New Hampshire by dwelling amount
$200,000
$350,000
$500,000
$1 million
Company | Annual rate | ||
|---|---|---|---|
| Vermont Mutual | 2.8 out of 5 | $508 |
| Amica | 4.5 out of 5 | $579 | |
| MAPFRE | 2.5 out of 5 | $595 | |
| Frankenmuth | 2.8 out of 5 | $640 | |
| Allstate | 2.8 out of 5 | $648 | |
| State Farm | 3.0 out of 5 | $663 | |
| Plymouth Rock | 2.8 out of 5 | $712 | |
| Concord | 3.5 out of 5 | $768 |
| Safety | 1.3 out of 5 | $795 | |
| USAA | 3.0 out of 5 | $988 | |
Stars in this table represent ratings specific to home insurance. USAA is only available to military members, veterans and some of their family members.
Key takeaways
- Home insurance rates are up by about 27% in New Hampshire since 2021.
- Nationwide raised rates the most. A policy from Nationwide costs 66% more now than it did five years ago.
- USAA had the smallest rate hike at just 1.5% over the last five years.
- If you live in New Hampshire, make sure your policy covers your home for damage caused by wind and snow. It's also a good idea to look into flood insurance.
Best home insurance in New Hampshire for most people: Vermont Mutual
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Annual cost$721Average rate for a $350,000 home
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Monthly cost$60Average rate for a $350,000 home
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Customer complaints Average
Best home insurance customer service in New Hampshire: Amica
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Annual cost$879Average rate for a $350,000 home
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Monthly cost$73Average rate for a $350,000 home
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Customer complaints Low
Amica has a reputation for excellent customer service, which can make things easier if you ever have to file a claim.
The company gets 63% fewer complaints than an average company its size, according to the National Association of Insurance Commissioners (NAIC). When few people complain about a company, it usually means that the company is providing good service. Amica also scores highly in J.D. Power's annual satisfaction and claims satisfaction surveys.
Choosing a company with good service can make your life easier if your home is damaged. You'll probably get faster responses to your questions and concerns, plus it's more likely that your home will be fixed faster.
Amica also offers several useful discounts on top of its cheap rates. You can save by bundling, paying in full, having a new or remodeled home, or having smart home features on your house.
Best home insurance in New Hampshire for extra coverage: Concord
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Annual cost$1,111Average rate for a $350,000 home
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Monthly cost$93Average rate for a $350,000 home
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Customer complaints Low
What are the best home insurance companies in New Hampshire?
Amica is the best-rated home insurance company in New Hampshire.
The company has about 63% fewer complaints than expected for a company its size, according to the National Association of Insurance Commissioners (NAIC). Amica also ranks highly in J.D. Power's customer satisfaction and claims surveys.
Company |
Rating
|
Complaints
|
|---|---|---|
| Amica | 4.5 out of 5 | Low |
| Concord | 3.5 out of 5 | Low |
| State Farm | 3.0 out of 5 | Average |
| USAA | 3.0 out of 5 | Low |
| Allstate | 2.8 out of 5 | High |
| Frankenmuth | 2.8 out of 5 | Low |
| Plymouth Rock | 2.8 out of 5 | Average |
| Vermont Mutual | 2.8 out of 5 | Average |
| MAPFRE | 2.5 out of 5 | High |
| Safety | 1.3 out of 5 | Low |
Stars in this table represent ratings specific to home insurance.
What's the average cost of home insurance in New Hampshire?
Home insurance in New Hampshire costs an average of $1,028 per year for a policy with $350,000 in dwelling coverage.
That's less than half of the national average rate for home insurance, which is $2,395 per year. New Hampshire has the third-cheapest average home insurance rate in the nation, likely because homes there aren't as frequently damaged by storms as they are in other parts of the country.
Average cost of home insurance in NH
Dwelling coverage | Average rate |
|---|---|
| $200,000 | $690 |
| $350,000 | $1,028 |
| $500,000 | $1,362 |
| $1,000,000 | $2,465 |
Home insurance in New Hampshire is cheaper than in most surrounding states. In Maine, a policy with $350,000 in dwelling coverage costs $1,280 per year, on average. In Massachusetts, the same level of coverage is an average of $1,635 per year.
However, Vermont has cheaper rates than New Hampshire. The average cost of home insurance in Vermont is $924 per year, about 10% cheaper than New Hampshire's average rate. Vermont has the second-cheapest average home insurance rate in the nation, behind Hawaii.
New Hampshire home insurance rates by city
Home insurance in Manchester, New Hampshire's biggest city, is $1,033 per year, on average.
Hampton Beach, along New Hampshire's short coastline, has the most expensive home insurance rates in the state. A policy with $350,000 in dwelling coverage costs $1,284 per year.
The high rates are likely because of Hampton Beach's coastal location. Homes along the coast may be more likely to be damaged by strong coastal storms and wind.
Spofford, a community in south-central New Hampshire near Keene, has the cheapest average rates for home insurance at $942 per year.
Find Cheap Home Insurance Quotes in New Hampshire
Cost of New Hampshire home insurance by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Alton Bay | $1,023 | Vermont Mutual | $767 |
| Antrim | $959 | Vermont Mutual | $635 |
| Ashland | $1,009 | Vermont Mutual | $767 |
| Ashuelot | $958 | Vermont Mutual | $719 |
| Barnstead | $1,013 | Vermont Mutual | $767 |
| Belmont | $996 | Vermont Mutual | $767 |
| Berlin | $970 | Vermont Mutual | $719 |
| Bretton Woods | $997 | Vermont Mutual | $719 |
| Bristol | $992 | Vermont Mutual | $767 |
| Center Barnstead | $1,014 | Vermont Mutual | $767 |
| Center Conway | $1,020 | Vermont Mutual | $767 |
| Center Ossipee | $985 | Vermont Mutual | $767 |
| Center Sandwich | $993 | Vermont Mutual | $767 |
| Center Strafford | $1,011 | Vermont Mutual | $767 |
| Center Tuftonboro | $1,015 | Vermont Mutual | $767 |
| Charlestown | $961 | Vermont Mutual | $719 |
| Chesterfield | $965 | Vermont Mutual | $719 |
| Chocorua | $1,005 | Vermont Mutual | $767 |
| Claremont | $956 | Vermont Mutual | $719 |
| Colebrook | $978 | Vermont Mutual | $719 |
| Concord | $989 | Vermont Mutual | $719 |
| Contoocook | $989 | Vermont Mutual | $719 |
| Conway | $978 | MAPFRE | $761 |
| Cornish Flat | $965 | Vermont Mutual | $719 |
| Derry | $1,163 | Vermont Mutual | $726 |
| Dover | $1,029 | Vermont Mutual | $767 |
| Drewsville | $966 | Vermont Mutual | $719 |
| Durham | $1,020 | Vermont Mutual | $767 |
| East Andover | $998 | Vermont Mutual | $719 |
| East Candia | $1,146 | Vermont Mutual | $726 |
| East Hampstead | $1,148 | Vermont Mutual | $726 |
| East Hebron | $982 | Vermont Mutual | $767 |
| East Merrimack | $976 | Vermont Mutual | $635 |
| East Wakefield | $1,000 | Vermont Mutual | $767 |
| Eaton Center | $1,024 | Vermont Mutual | $767 |
| Elkins | $970 | Vermont Mutual | $719 |
| Enfield | $976 | Vermont Mutual | $767 |
| Enfield Center | $972 | Vermont Mutual | $767 |
| Epping | $1,155 | Vermont Mutual | $726 |
| Etna | $966 | Vermont Mutual | $767 |
| Exeter | $1,162 | Vermont Mutual | $726 |
| Farmington | $1,047 | Vermont Mutual | $767 |
| Franklin | $992 | Vermont Mutual | $719 |
| Georges Mills | $969 | Vermont Mutual | $719 |
| Gilmanton Iron Works | $1,031 | Vermont Mutual | $767 |
| Glen | $997 | Vermont Mutual | $767 |
| Glencliff | $980 | Vermont Mutual | $767 |
| Goffstown | $991 | Vermont Mutual | $635 |
| Greenville | $957 | Vermont Mutual | $635 |
| Groveton | $981 | Vermont Mutual | $719 |
| Guild | $978 | Vermont Mutual | $719 |
| Hampton | $1,276 | Vermont Mutual | $798 |
Rates are for a policy with $350,000 of dwelling coverage.
What kind of home insurance coverage do you need in New Hampshire?
Strong summer storms, like thunderstorms and coastal storms, pose the biggest threat to New Hampshire homes. But winter storm damage and flooding are also risks. Understanding how home insurance covers these types of events can help you make sure your policy has the right coverage.
Does home insurance in NH cover wind damage?
Home insurance usually covers wind damage, whether it's from a thunderstorm, coastal storm or snowstorm. But you should make sure you maintain your home, especially your roof and siding. If your house is in poor condition, it makes it more likely that wind can cause damage. And your home insurance company might not cover wind damage if your house isn't well maintained.
Wind damage is common in New Hampshire. Summer thunderstorms, hurricanes and nor'easters, and winter storms can all bring strong winds. Since 2016, the Federal Emergency Management Agency (FEMA) has declared thirteen disasters in New Hampshire from severe storms and coastal storms.
Does NH home insurance cover snow damage?
New Hampshire home insurance usually covers snow damage. The weight of ice and snow can damage or even collapse your roof. And sometimes, snow melting and refreezing on your roof can cause ice dams, which lead to water leaking into your house. Making sure your house is in good condition before winter can help minimize damage.
Does home insurance in New Hampshire cover flood damage?
Standard home insurance doesn't usually cover damage from floods. You typically need a separate flood insurance policy for that. Many home insurance companies can help you get a policy through the National Flood Insurance Program (NFIP), and some companies even sell their own flood insurance.
Flooding is a risk in nearly every part of New Hampshire. Rockingham County is a particularly risky area because it borders the coast. Since 2016, the National Flood Insurance Program has handled 531 flood insurance claims in New Hampshire that caused over $18 million in damage. Of those claims, 374 were in Rockingham County and they caused over $14 million in damage.
But floods can happen even if you don't live near the coast or a body of water. Even a minor flood can cause tens of thousands of dollars in damage, so it's a good idea to at least consider a flood insurance policy.
How to save on New Hampshire home insurance
New Hampshire home insurance is already inexpensive compared to most other states, but there are still ways to lower your cost, such as shopping around and asking about discounts.
Every home insurance company has different rates, so getting more quotes helps you find the cheapest option. If you want to save time while you shop, use online comparison sites or work with an independent agent who can get you quotes from several companies at once. | |
Common home insurance discounts include having a new roof, having an alarm system and not having any claims on your record. Bundling, which means buying your auto and home insurance from the same company, is one of the biggest discounts. Plus, it can make managing your policies easier. | |
Homes that are in good condition are less likely to be damaged during storms, which in turn makes it less likely that you'll have to file a claim. Because rates usually go up after a claim, having a well-maintained home and avoiding claims when you can helps keep your rates steadier over time. |
Are home insurance rates in New Hampshire going up?
Home insurance prices are up 26.7% in New Hampshire over the last five years.
In 2024, rates went up by over 10%. That pace slowed down in 2025, with rates climbing just over 1%.
New Hampshire home insurance rate changes, 2021 to 2025
Year | Avg. rate increase |
|---|---|
| 2021 | 0.79% |
| 2022 | 4.22% |
| 2023 | 7.37% |
| 2024 | 10.86% |
| 2025 | 1.33% |
Home insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Nationwide had the biggest increase over the last five years, with rates going up by 66.1% USAA raised rates the least, with a policy costing just 1.5% more now than it did five years ago.
Frequently asked questions
How much is home insurance in New Hampshire?
The average cost of home insurance in New Hampshire is $1,028 per year for a policy with $350,000 in dwelling coverage. Your rate will change based on where you live, how much coverage you need, if you've filed any home insurance claims in the past and more.
Who has the cheapest home insurance in New Hampshire?
Vermont Mutual has the cheapest home insurance in New Hampshire for most people. A policy with $350,000 in dwelling coverage costs $721 per year, which is $307 cheaper than the state average. But if you have a new home, Amica is a cheaper option.
Is home insurance required in New Hampshire?
The state of New Hampshire doesn't require you to have a home insurance policy. But if you have a mortgage or any other type of home loan, your bank will require you to have a policy. It's a good idea to have home insurance even if your house is paid off. Home insurance protects you from having to pay for some expensive repairs on your own.
Methodology
To find the best homeowners insurance in New Hampshire, ValuePenguin got quotes from 10 of the top companies in 262 residential ZIP codes in the state. All quotes are for a 45-year-old married man with no home insurance claims on his record. The home used in the quotes is 48 years old and has 1,934 square feet, which is representative of the average home in New Hampshire.
The quotes are for policies with the following coverage limits:
- Dwelling coverage: $200,000, $350,000, $500,000 or $1 million
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $1,000
Rates come from Quadrant Information Services for home insurance rates, which gets its data from publicly available insurance company filings. Rates should be used for comparison only. Your quotes will likely be different.
ValuePenguin star ratings include an analysis of average rates, coverages and discounts. Customer complaint data from the National Association of Insurance Commissioners (NAIC) and scores from J.D. Power's home insurance customer satisfaction survey were also taken into consideration.
Sources:
About the Author
Senior Writer
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
