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Grafton County, NH Homeowners Insurance Quotes

Grafton County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic New Hampshire homeowners policy.

Basic Coverage Protection and Rates

For a basic standard homeowners policy in Grafton County also referred to as an HO-3 policy, you are looking at paying around $87.33 per month. Most homeowners pay annually for home insurance which is estimated to be around $1048 per year. Grafton County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in New Hampshire enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Grafton County homeowners policy for you.

For all Grafton County, NH residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Grafton County? Simply enter your zip code to get your New Hampshire homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Grafton County, NH Housing Demographics

With 89,118 residents living within the Grafton County area there are over 51,120 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 22,074 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Grafton County.

DemographicValues
Total Occupied Households35,986
Family Households (families)22,074
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units51,120

Grafton County, NH Home Insurance Average Premiums

Local Grafton, NH homeowners insurance quotes comparison

$838 /yr.

New Hampshire's Average Home Insurance Rates Overall

For the state of New Hampshire, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 34 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$636 /yr.
Current Average Cost:$838 /yr.
Maximum Range:$1048 /yr.

New Hampshire Homeowners Insurance News & Information

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

  • The Best Way to Check the Financial Strength of Home Insurance Companies Posted on Wednesday 3rd April, 2024

    If you are switching insurance companies, you should always check the financial strength of any insurer you are seriously considering. While an affordable premium is always a plus, if your insurance company cannot afford to pay when you file a claim, the savings will certainly not be worth it.  A.M. Best is a credit rating […]

  • Florida’s Broward Commissioner is Asking Congress to Lower Insurance Rates Posted on Monday 1st April, 2024

    A bill in the U.S. House called the Natural Disaster Reinsurance Plan, hopes to lower insurance costs for policyholders in states that opt-in to the program which will scale back the requirements regarding the amount of reinsurance that insurance companies need to purchase.  Currently, a Broward commissioner is asking Congress to pass legislation he claims […]

  • North Carolina Coastal Home Insurance Rates Posted on Friday 29th March, 2024

    North Carolina is a fantastic place to live with plenty of cultural activities, beautiful beaches, world-class cities as well as great restaurants and shopping. The only disadvantage to living in North Carolina, particularly if your home is located in coastal area is the cost of homeowners insurance. The average premium for a standard homeowners insurance […]

  • How Do Renovations Impact Home Insurance? (2024 Guide) Posted on Friday 15th March, 2024

    Making renovations to your home can have a major impact on your insurance coverages as your risk profile changes. Adding square footage, putting in a swimming pool, outbuilding or upgrading your electrical may change the value of your home which could leave your underinsured.  Major upgrades such as adding square footage to your home or […]

Discounts For Homeowners in Grafton County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your New Hampshire homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Grafton County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Grafton County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Grafton County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Grafton County Housing & Real Estate Data

Details:Statistics
Total Housing Units51120
Occupied Housing Units35986
Vacant Housing Units15134
Vacant Housing Units for Rent1038
Vacant Housing Units Rented Not Occupied56
Vacant Housing Units For Sale620
Vacant Housing Units Sold Not Occupied123
Vacant Housing Units For Seasonal Occasional Use12389
Vacant Housing Units All Other Vacants908
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units35986
Housing Tenure Occupied Units Owner Occupied24544
Housing Tenure Occupied Units Owner Occupied Population58696
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied11442
Housing Tenure Occupied Units Renter Occupied Population23421
Housing Tenure Occupied Units Renter Occupied Average Household Size2