Fitzwilliam, NH Homeowners Insurance Rate Quotes!

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Homeowners of Fitzwilliam, NH, below are the most popular reasons homeowners in your area are now looking for more affordable insurance rates online.

  1. You are so tired of seeing your Fitzwilliam home insurance rates increase year over year, that you are now taking the time to shop around in search of free quotes to review, compare and hopefully save more money.
  2. You are looking for a new home in Fitzwilliam, NH and want to compare quotes to see if your premium will have any effect on your monthly mortgage payment.

Regardless of the reason, you want great coverage for an affordable price, right? Every homeowner in Fitzwilliam wants to save more money and decreasing your monthly mortgage payment each month certainly helps you do that. That is why we offer an easy solution to shop and compare rates online, because if we can help you save hundreds on your new homeowners policy then your monthly budget will decrease on home expenses. With our quick online quoting application, we can help you review rates from up to 12 home insurance companies that are all very competitive in Fitzwilliam.

Fitzwilliam, NH Average Home Insurance Rates

Average premiums in Fitzwilliam, NH are increasing. New Hampshire is now ranked 34 in the country for the highest premium. The national average is $1311 a year, and your local premiums can range from $513 a year to over $1,063 a year for a standard homeowners insurance policy. It's important to know that a basic homeowners policy will include structured, contents and liability coverage. This type of policy will help cover your Fitzwilliam home from fire, weather, burglary and injuries on your property. If you have any questions about your insurance coverage in Fitzwilliam, please give us a call, we can quickly answer any questions that you may have.

For low premium rates for your home in Fitzwilliam, let us help you save up to 40% or more on your new home insurance policy. Let us help you discover affordable homeowners insurance rates today. Shop online or give us a call now: 1-855-976-2656.

Compare Homeowners Insurance Rates in Fitzwilliam, NH!

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Get up to 12 competitive Fitzwilliam, NH homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Fitzwilliam, NH rates all in one place!

Average Rates Nearby Fitzwilliam

Are you looking for homeowners insurance in a city near Fitzwilliam? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Fitzwilliam, NH

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Fitzwilliam.


Fitzwilliam, NH Home Insurance Average Premiums

Local Fitzwilliam, NH home insurance quotes comparison

$513 /yr.

Shows Fitzwilliam's lowest average rates with discounts applied.

For the city of Fitzwilliam, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$513 /yr.
Average Coverage:$763 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1063 /yr.

What is the average home insurance cost for a home in Fitzwilliam, NH?

  • • The average homeowners insurance premium paid annually for a home in Fitzwilliam is around $763 per year.

What does it cost on average per month for home insurance in Fitzwilliam, NH?

  • • Homeowners in Fitzwilliam pay an average cost per month around $64.00 for insurance coverage.

Fitzwilliam, NH - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $327,994 $281,763
February $327,193 $289,526
March $327,074 $299,475
April $328,717 $307,713

Homeowners insurance will help cover the cost to repair or replace your Fitzwilliam home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Fitzwilliam
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Fitzwilliam, NH homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Fitzwilliam, NH rates all in one place!

Saving Money Tips on Fitzwilliam Home Insurance

A great way to save money on Fitzwilliam homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Fitzwilliam area? Check out what homeowners are paying on average for New Hampshire homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
1084 ft. This is the average home elevation in Fitzwilliam, NH

Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New Hampshire flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Fitzwilliam, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Cheshire County.

New Hampshire Homeowners Insurance News & Information

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When ran the numbers, Oklahoma was the most expensive […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • Is Homeowners Insurance Part of Your New Years Resolution? Posted on Wednesday 31st January, 2024

    The New Year is here for 2024, and you have probably made a list of resolutions involving everything from eating better to losing a bit of weight. One thing that should be on everyone’s list is a review and update of their homeowners policy. The beginning of the year is a great time to pull […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

Fitzwilliam, NH Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Fitzwilliam so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Fitzwilliam, NH?

- The average square footage in Fitzwilliam is around 1,131 Sq. Ft. which would cost you around $194,500 to replace the home if you base the home on the price to build per square foot of $172.

Minimum Replacement Cost Total: $194,500

Location: Fitzwilliam, New Hampshire (Cheshire County)

Average Building Cost Per Square Foot in Fitzwilliam: $172 (low end)

Average Square Footage in Fitzwilliam: 1,131 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$172$194,500
Some Additional Upgrades$215$243,125
Major Home Updates or Advancements$258$291,750

The dwelling coverage is calculated by the average cost per square foot ($172) in Fitzwilliam, New Hampshire times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $537,500 (Media price to build of $215 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.