We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free – so that you can make financial decisions with confidence. The offers that appear on this site are from companies from which TheSimpleDollar.com receives compensation. This compensation may impact how and where products appear on this site including, for example, the order in which they appear. The Simple Dollar does not include all card/financial services companies or all card/financial services offers available in the marketplace. The Simple Dollar has partnerships with issuers including, but not limited to, Capital One, Chase & Discover. View our full advertiser disclosure to learn more.
The 3 Best New Hampshire Homeowners Insurance Companies
America’s top-rated home insurance
- Policies starting at just $25/month
- Sign up in seconds, claims paid in minutes
- Zero hassle, zero paperwork
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.
Our Top Picks for Best Homeowners Insurance in New Hampshire
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.