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New Hampshire Homeowners Insurance Quotes

The Granite state has been called a land of contrasts and that description seems pretty accurate to us. We have quaint towns like Hanover as well as wild landscapes that are perfect for hiking, tracking moose or an afternoon of skiing.

Despite the fact that New Hampshire is the fourth smallest state in the country we have plenty of larger cities that are a great place to work and raise a family. Regardless of whether you are moving to Manchester, which is the largest city in New Hampshire with a population of 110,000, or Portsmouth, which is the 10th largest city, you will find both a strong economy and tons of restaurants and cultural activities.

The capital of New Hampshire, Concord, is a lovely place to live and offers a variety of golf courses, hiking trails and theaters to occupy your free time. Dover, which is located between mountains and the ocean, is a great place to call home. Its location allows you to spend one weekend exploring the seaport and the next climbing to the top of nearby mountains.

If you are thinking of moving to New Hampshire here are a few facts that you should know about our great state.

New Hampshire Facts

New Hampshire currently has a population of roughly 1,316,470 people, which translates into roughly 1,741 households per zip code. Regardless of whether you are moving to Nashua or Rochester the average number of people living in a household is three.

Housing is very affordable with the average house value coming in at $100,497. The average household income is a bit below the national average at $38,195.

Homeowners Insurance in New Hampshire

Homeowners insurance is a bargain in New Hampshire, everyone from Hillsborough country residents to the folks that call Rockingham county home are paying roughly $885 a year for homeowners insurance which is 19.25 percent below the national average of $1,034.

While homeowners insurance is well priced in New Hampshire there are a few ways to lower your costs:

Shop Around: This is probably the best way to lower your insurance costs. Whether you live in Merrimack County or Grafton County, shopping your coverage will usually result in a lower premium. Insurers rate risk differently so finding the insurer that likes your type of risk may take some legwork. We can help by comparing up to 12 of the most competitive carriers for your home in New Hampshire with a savings of up to 40% or more if we can apply all the discounts.

Discounts: Always ask your agent or insurance company to verify that you are receiving every home insurance discount you are entitled to receive. Insurers offer discounts for everything from bundling to going paperless with your policy. The discounts can add up to serious savings.

Upgrade Your Home: If your are living in Strafford county or any other area in New Hampshire that can experience severe weather, consider upgrading your home with storm shutter, or wind resistant roofing materials. Home upgrades will usually result in a big discount.

Other factors to consider when looking for homeowners insurance is what type of policy your actually need. Homeowners insurance comes in a few different types, here is a quick overview:

  • HO-3: This is considered a standard homeowner policy and the one that most people use. It covers all perils, except those that are specifically excluded by the policy. Exclusions can vary by policy but always exclude earthquake and flood damage.
  • H0-6: If you live in a condo or co-op in the city of Salem or any other city in New Hampshire this is the policy you need. A HO-6 policy protects both your personal belongings as well as the structural part of the building that you actually own. These policy types are listed peril policy types so it will cover the 16 specific perils listed on the policy.
  • HO-4: This is a renter’s insurance policy. It provides protection for renter’s personal items. It also offers liability protection if someone is injured in their apartment.
  • Factors to Consider in New Hampshire

    There are parts of New Hampshire that are located on the coast and severe weather can push up the cost of coverage if you are located in a storm prone area.

    While tornadoes are fairly uncommon, hail damage does occur in New Hampshire and can do serious damage to your roof and siding. If the damage is minimal, it is best to pay for it out of pocket, you should always save homeowners insurance for the major disasters, frequent small claims can push your premium up dramatically.

    If you are moving to the New Hampshire and need a new homeowners policy we can help. Our national insurance partners can help you find the best policy at a great price.

    Contact us today to get started finding a great new policy.

Average Homeowners Insurance Premiums in New Hampshire

With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what New Hampshire homeowners are paying on average. Did you know that the average homeowners insurance premium in New Hampshire is $1048? New Hampshire is now ranked 34 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in New Hampshire is 20.06% less than the national average.

YearAverage Annual PremiumAverage Monthly PremiumState Rank (Overall)
2020$1048 (2.6%)$ 8734
2019$1021 (3.8%)$ 8534
2018$984 (1.23%)$ 8236
2017$972 (0.72%)$ 8135
2016$965 (2.52%)$ 8036

When we combine the state averages over the last decade, the New Hampshire overall average is estimated to be around $949.87. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. New Hampshire current state rank compare to the rest of the country is #34. Consider shopping your New Hampshire home insurance with us so we can help you save up to 40% or more on your policy.

Find Local NH Homeowners Insurance Quotes & Coverage

For more information on homeowners insurance in your area, choose a county below:

New Hampshire Homeowners Insurance News & Information

  • Which state pays the highest home insurance premiums in 2025? Posted on Thursday 24th April, 2025

    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]

New Hampshire Housing & Real Estate Data

Details:Staticstics
Total Housing Units614754
Occupied Housing Units518973
Vacant Housing Units95781
Vacant Housing Units for Rent13293
Vacant Housing Units Rented Not Occupied787
Vacant Housing Units For Sale7521
Vacant Housing Units Sold Not Occupied1393
Vacant Housing Units For Seasonal Occasional Use63910
Vacant Housing Units All Other Vacants8877
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent8.1
Housing Tenure Occupied Units518973
Housing Tenure Occupied Units Owner Occupied368316
Housing Tenure Occupied Units Owner Occupied Population954287
Housing Tenure Occupied Units Owner Occupied Averge Household Size2.59
Housing Tenure Occupied Units Renter Occupied150657
Housing Tenure Occupied Units Renter Occupied Population322079
Housing Tenure Occupied Units Renter Occupied Average Household Size2.14

Understanding New Hampshire Homeowners Insurance

When shopping for New Hampshire homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:

  • HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
  • H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
  • HO-4: If you are looking for New Hampshire renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.

While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.

If you are shopping for a new home in New Hampshire, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different New Hampshire rates and coverage options.