Rates by New Hampshire Homeowners Insurance Type

The Great Seal of the State of New Hampshire.

New Hampshire homeowners are looking for average rates but may not know that there are over 6 different coverage types you can choose from on your home insurance policy. In the "The Granite State", the most common type is called an HO-3, which is a standard homeowners policy that will cover all home related perils, except those excluded on the policy. Most often, because New Hampshire is in the north-east region of the country, additional risk like flooding or wind/hail along the coastal areas are excluded and you would be required by your mortgage provider to purchase additional insurance coverage to add this protection. Are you unsure on how to compare rates and coverages? At GetHomeInsuranceQuotes.com, you can easily review New Hampshire home insurance quotes online, simply start by entering your zip code. Our only quoting proces only takes a few minutes to review multiple carriers with the most competitve quotes for homeowners living in New Hampshire.

Also in the north-east, it is common for homeowners in New Hampshire to purchase an HO-6 policy which is specifically written for condominiums or co-ops. If you do own a condo in New Hampshire, then this type of coverage is the policy that best fits your insurance protection needs. An HO-6 policy covers both your personal belongings and the structure of your condo. An HO-6 usually covers 16 major disasters listed on your policy to protect your condo.

Below is a detailed list of New Hampshire average rates per home insurance coverage type. At GetHomeInsuranceQuotes.com, you can leave the consulting process to us, our shopping service is free and we help you compare multiple rates, carriers and coverage options. We also help you save 40% or more by applying all the home insurance discounts available for your home in New Hampshire.

Review average homeowners insurance premiums in New Hampshire per coverage type.

Coverage TypeOverviewRatesCountrywideDifference
DWDwelling Fire Policy - slimmed down version that offers limited coverage, for example: fire and smoke only.$550$857$307
HO-1Basic 'named-perils' like fire, lightning or hail coverage on the home and personal property$596$1149$553
HO-2Broad 'named-perils' coverage on the home and personal property; provides coverage for more perils than HO-1 package.$771$1110$339
HO-3Most Common: Provides 'all-risks' coverage on the home, broad named-peril coverage on personal property. Insurance providers against risks of direct loss, except losses specifically stated in the policy, like flood damage.$885$1095$210
HO-5Provides 'all-risks' coverage on newer homes, more of an upscale policy.$1013$1061$48
HO-8Older home policy which includes repair cost coverage for the dwelling where the replacement cost exceeds current market value.$930$937$7
TotalNew Hampshire's average including all coverage types$884$1085$201

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Average Rates Per Top 10 Cities in New Hampshire

What to find out more information about your city in New Hampshire? Please click one of the following cities below to discover more detailed information about homeowners insurance in your area.