Test SEOD-2194

Vermont Mutual's low rates and excellent customer service make it the best home insurance in New Hampshire for most people. If your home needs between $200,000 or $500,000 in dwelling coverage, Vermont Mutual has the cheapest average rate in NH.

Very few people file complaints about Vermont Mutual's home insurance. According to the National Association of Insurance Commissioners (NAIC), the company has 99% fewer complaints compared to an average company its size. This might be because of Vermont Mutual's local agents, who can help you get a quote, choose the right coverage, answer questions about your policy and file claims.

But Vermont Mutual doesn't have the best online tools. You can't get a quote online and the website is basic. If you're looking for a company with good digital tools, Vermont Mutual isn't the best option.

The Hanover has cheap rates for home insurance and car insurance in New Hampshire, making it a great option for bundling your policies with one company. The Hanover also has good customer service, with fewer complaints than expected for a company its size, according to the National Association of Insurance Commissioners (NAIC).

A full coverage car insurance policy from The Hanover costs $57 per month. That's $39 cheaper per month than to the state average of $96 per month. Its home insurance rates aren't the cheapest in the state, but they are still lower than average.

But The Hanover doesn't have as many discounts as other companies. In addition to the bundling discount, the company only advertises savings for new homes, home buyers, security devices, and being part of a qualifying club or organization. This might not be much of a concern considering it has cheaper-than-average rates to begin with. But if you're looking for a company with a long list of discounts, The Hanover won't be a good fit.

Amica is the best option in New Hampshire if you want top-tier customer service. The company has about one-third the amount of complaints than an average company its size, according to the National Association of Insurance Commissioners. Amica also ranked second for overall customer satisfaction in J.D. Power's annual home insurance survey for 2023.

While Vermont Mutual gets fewer complaints than Amica, Amica has more ways to get service. You can contact a local agent, call the 800 number or report a claim online. The ease of getting service is important, considering that home insurance questions and damage can happen any time.

Amica has several discounts to help you get a lower price on home insurance, including savings for getting your bills and statements electronically, having an alarm system, and having a new or remodeled home. But Amica doesn't offer as many optional coverages as some companies, making it harder to customize your policy. And while you can get a quote online, you have to call an agent to buy a policy.