Get Lyme, NH Home Insurance Rates!

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Lyme homeowners have recently discovered an easy way to shop and compare homeowners insurance rates with our online quoting application. Customers get the benefit of finding cheaper rates fast, plus the hassle free process is our greatest compliment that we hear from new customers. If you want to save more money per month on your homeowners insurance or if you are moving into a new home and need coverage fast, we have the service for you! Simply enter your zip code for your home in Lyme and we can help you compare up to 12 competitive quotes from brand companies you value and trust.

Lyme, NH has 1,716 residents which breaks down to about 705 occupied households. The average house price in Lyme is a very affordable $479,400. Homeowners insurance is below average in New Hampshire with the average premium price coming in at $1,048, which is a difference of $263, you are lucky to pay less in this state than the national average.

At, we take the time to carefully review your needs and all of the available policy options. We will search for home insurance discounts and examine your enhanced coverage options to make sure you are fully protected. In most cases, we can help you save up to 40% on your current rates, all from the comfort of your own home, computer or personal device.

Our homeowners policies not only cover your Lyme home and your prized possessions but any detached structures on your property as well. This may include detached garages, sheds and barns. In addition, all of our standard policies offer loss of use coverage which will help cover your living costs if you are forced out of your home due to a covered peril. A covered peril might include fire, theft or water damage. Did you know that liability and medical costs are also standard coverages within a homeowners policy?

Our goal is to make sure you have a complete understanding of your policy before you sign on the dotted line and we are always available to answer any questions you have. Our agents nearby will guide you through the entire process and evaluate your current coverage to make sure you are protected against all risks including flooding or earthquake damage. It is important to know that a flood or earthquake policy is separate from a homeowners policy so additional coverage may be needed. We will also do a full discount review to make sure you are receiving all available discounts like a home and auto discount.

Compare Homeowners Insurance Rates in Lyme, NH!

Enter your Zip Code:    

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

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

Average Rates Nearby Lyme

Are you looking for homeowners insurance in a city near Lyme? 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 Lyme, NH

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


Lyme, NH Home Insurance Average Premiums

Local Lyme, NH home insurance quotes comparison

$586 /yr.

Shows Lyme's lowest average rates with discounts applied.

For the city of Lyme, 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)
$586 /yr.
Average Coverage:$836 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1136 /yr.

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

  • • The average homeowners insurance premium paid annually for a home in Lyme is around $836 per year.

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

  • • Homeowners in Lyme pay an average cost per month around $70.00 for insurance coverage.

Lyme, NH - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $627,518 $553,554
February $620,443 $568,144
March $616,291 $585,894
April $613,888 $602,603

Homeowners insurance will help cover the cost to repair or replace your Lyme 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 Lyme
  • 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 Lyme, NH homeowners insurance rates all in one place!

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

Saving Money Tips on Lyme Home Insurance

A great way to save money on Lyme 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 Lyme 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
1155 ft. This is the average home elevation in Lyme, 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 Lyme, 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 Grafton County.

New Hampshire Homeowners Insurance News & Information

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

Lyme, NH Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Lyme 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 Lyme, NH?

- The average square footage in Lyme is around 2,787 Sq. Ft. which would cost you around $479,400 to replace the home if you base the home on the price to build per square foot of $172.

Minimum Replacement Cost Total: $479,400

Location: Lyme, New Hampshire (Grafton County)

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

Average Square Footage in Lyme: 2,787 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$172$479,400
Some Additional Upgrades$215$599,250
Major Home Updates or Advancements$258$719,100

The dwelling coverage is calculated by the average cost per square foot ($172) in Lyme, 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.