The 3 Best New Hampshire Homeowners Insurance Companies

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Known for pastoral college towns and its iconic “Live Free or Die” mentality, it’s no wonder New Hampshire is popular with homeowners. Luckily, for residents of the Granite State, homeowners insurance premiums are lower than average. The average annual premium is just $680, $548 lower than the national average, according to

Lower premiums don’t mean that natural disasters don’t happen, as New Hampshire residents are no strangers to blizzards and frozen pipes during harsh New England winters.

To make sure that your New Hampshire home is properly protected without breaking the bank, shop around and receive estimates on policies before making your final decision. To help ease the process, we’ve outlined our top picks for the state.

Find the Best Home Insurance in New Hampshire

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Find the Best Home Insurance

Save money on home insurance with our simple comparison tool.

Our Top Picks for Best Homeowners Insurance in New Hampshire

Liberty Mutual

New Hampshire residents choose Liberty Mutual because the company offers flexible and comprehensive policy options along with multiple opportunities to save on your premium.

A standard Liberty Mutual homeowners insurance policy can be supplemented with options like coverage for personal liability, additional living expenses, and personal property damage. The company also offers Home Protector Plus, which includes expanded coverage and additional benefits, allowing you to recover your possessions and the state of your dwelling at little or no cost to you after a covered loss.

When it comes to saving you money, Liberty Mutual is one of the best options available. The company provides premium deductions for bundling multiple policies, installing protective devices, having a claims-free history, insuring a new or recently renovated home, and obtaining a quote from Liberty Mutual before your current homeowners insurance policy expires. The company also offers exclusive savings on home insurance to New Hampshire residents who are employees or members of the more than 14,000 groups and associations in Liberty Mutual’s affinity program.

For those who worry about inflation, Liberty Mutual offers optional inflation protection riders on its policies.

State Farm

State Farm’s broad policy coverage and specialty features make the company a popular option for affordable homeowners insurance in New Hampshire.

With State Farm, regardless of what type of New Hampshire dwelling you call home — be it a single-family home, condo, mobile home or farm/ranch, you can find a standard policy that meets your needs. Add-on coverage options from State Farm include protection from personal liability and injury, as well as personal umbrella protection.

Should you experience a loss and need to file a claim, you can easily contact State Farm via the company’s 24/7 claims hotline, online, in person with one of its many local agents, or using its handy Pocket Agent mobile app.

State Farm also offers specialty tools to assist with claims management. Its HomeIndex tool, for example, allows you to compile a running inventory of your covered personal belongings so you can keep track of your possessions following a loss and report your claim without the guesswork.

If your home sustains water damage and requires emergency water mitigation or floor repairs, State Farm’s Premier Service program can connect you with a reputable contractor in your area to carry out the maintenance necessary to return your home to safety.

With an A++ financial rating from A.M. Best, you can trust State Farm for your home insurance needs.


Backed by an A+ financial rating from A.M. Best, Travelers is a great option for high-quality, affordable homeowners insurance in New Hampshire. A standard Travelers policy protects your dwelling, any other structures on your property and your personal belongings. Add-on protections include personal umbrella liability coverage as well as insurance for damage caused by earthquakes, floods and landslides.

Travelers offers New Hampshire residents multiple ways to save on their policy premiums. Discounts are afforded to homeowners who bundle policies, install protective devices or have a claims-free history. Travelers also extends a 5 percent discount to policyholders with LEED-certified green homes, an incentive that saves you money on your taxes as well as your homeowners insurance premium.

Travelers’ Prepare and Prevent online learning center is a great resource that offers educational tools and information for homeowners. Whether you’re looking for help on making your home safer to prevent natural disaster or theft, or you require assistance in dealing with the aftermath of a loss, Travelers is there to help.

The OpenHouse app is another great resource offered by Travelers. With this tool, you can see the history of a house, specifically major renovations or changes before you buy it.

How much is homeowners insurance in New Hampshire?

At a whopping 45 percent less than the nationwide average, New Hampshire homes boast an average premium of $680. That is $548 less than the national average of $1,228. This number will change based on whether you are in a city or a rural area. Individual rates will change based on the price of your home and the policy options you choose. Catastrophes that are common in New Hampshire can affect the rate as well. This is described in more detail below.

New Hampshire Rate Factors

New Hampshire is not often subjected to the three main causes of catastrophes in the United States: Wildfires are rare and not very expansive when they happen; floodplains are small here, so there are few large flood events; and hurricanes and sea level flooding may affect the coastal towns, but they are rare in New Hampshire and affect a very small portion of the state.

The 3 Best New Hampshire Homeowners Insurance Companies

Find the Best Home Insurance in New Hampshire

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Find the Best Home Insurance

Save money on home insurance with our simple comparison tool.

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