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.