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The Best Home Insurance in New Hampshire for 2024
Amica and The Andover Companies are among the best home insurance companies in New Hampshire.
Kayda Norman is a NerdWallet authority on auto insurance. She previously worked in communications at The Walt Disney Co. and as a web producer and writer at several health and fitness publications, including Health magazine. Her work has been featured in The New York Times, The Washington Post and USA Today.
Sarah Schlichter Lead Writer | Home insurance, renters insurance, pet insurance
Sarah Schlichter is a NerdWallet authority on homeowners, renters and pet insurance. Prior to joining NerdWallet, she spent more than 15 years in digital media as a writer, editor and spokesperson. Sarah enjoys delving into complicated topics and helping readers understand the ins and outs of their insurance coverage. She lives in the Washington, D.C., metro area.
Caitlin Constantine Assigning Editor | Home insurance, renters insurance, pet insurance
Caitlin Constantine is an assigning editor at NerdWallet, focusing on homeowners, renters and pet insurance. She has more than 15 years of experience in digital media, including as the deputy managing editor at The Penny Hoarder and as a digital producer for a 24/7 news station based in the Tampa Bay area. Caitlin enjoys exploring the ways technology can help people become better informed about the world. She currently lives outside Asheville, North Carolina.
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The average cost of homeowners insurance in New Hampshire is $1,000 per year, or about $83 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in New Hampshire in the following categories:
The rates in our analysis are estimates based on many factors, so your rate may differ.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.
We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Best affordable homeowners insurance in New Hampshire: Amica
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Platinum Choice package offers extra coverage.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Has an approved contractor program to help with claims.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Well-established insurer known for great customer service.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
High customer satisfaction ratings and low consumer complaints.
Platinum Choice package offers extra coverage.
Simple online claims filing and tracking.
Cons
You can start a quote online but have to finish the buying process by phone.
Has an approved contractor program to help with claims.
In New Hampshire, the average annual premium for Amica is $760, which is below the state average of $1,000.
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners, or NAIC.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer consumer complaints than expected.
Includes more generous dwelling and personal property coverage than most insurers.
Many additional coverage options to choose from.
Cons
No online quotes.
Includes coverage that costs extra from most other companies.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Superior coverage sold through independent agents in select states.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
More than average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Far fewer consumer complaints than expected.
Includes more generous dwelling and personal property coverage than most insurers.
Many additional coverage options to choose from.
Cons
No online quotes.
Includes coverage that costs extra from most other companies.
The Andover Companies has been selling homeowners insurance in the Northeast for nearly 200 years. Its policies, available through independent agents, include coverage that often costs extra from other companies. For example, Andover covers your belongings on a replacement cost basis. That means you’ll get enough after a claim to buy brand-new items in place of what was lost and destroyed, with no deduction for value the items have lost over time.
You can add extra coverage for valuables like jewelry or firearms, or to replace refrigerated food damaged in a covered power loss. You can also choose to add coverage for personal injury liability, which includes issues like libel and slander.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include guaranteed replacement cost for your home's structure.
Broad coverage for personal belongings.
No restricted dog breeds.
Cons
No online quotes.
Will pay the full cost to rebuild your home after a covered disaster, up to $5 million.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Premium coverage for high-end homes with no dog breed restrictions.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Policies include guaranteed replacement cost for your home's structure.
Broad coverage for personal belongings.
No restricted dog breeds.
Cons
No online quotes.
Will pay the full cost to rebuild your home after a covered disaster, up to $5 million.
Openly offers homeowners insurance with generous coverage. Its policies include guaranteed replacement cost coverage for the structure of your home, which means the company will pay whatever it takes to rebuild your home if it’s destroyed.
Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Offers some coverage standard that other companies charge extra for.
Many discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Many useful coverage choices and ways to save on your policy.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Coverage optionsRatings are based on the number of coverage options a company offers in comparison to other insurers.
About average
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Offers some coverage standard that other companies charge extra for.
Many discounts available.
Website offers lots of useful features and information.
Cons
Doesn't insure mobile or manufactured homes.
Many useful coverage choices and ways to save on your policy.
Nationwide offers a robust digital experience, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents, and set up autopay.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Full list of the best homeowners insurance in New Hampshire
NerdWallet analyzed home insurance companies across the state to find the best home insurance in New Hampshire. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
$1,270
*USAA homeowners policies are available only to active military, veterans and their families.
How much does homeowners insurance cost in New Hampshire?
The average annual cost of home insurance in New Hampshire is $1,000. That’s 48% less than the national average of $1,915.
In most states, including New Hampshire, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In New Hampshire, those with poor credit pay an average of $1,890 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 89% more than those with good credit.
Average cost of homeowners insurance in New Hampshire by city
How much you pay for homeowners insurance in New Hampshire depends on where you live. For instance, the average cost of home insurance in Manchester is $1,000 per year, while homeowners in Nashua pay $930 per year, on average.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
$895
Plymouth Rock
4.0
NerdWallet rating
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, coverage options, website transparency, financial strength, complaint data and more.
What to know about New Hampshire homeowners insurance
You may face certain risks when living in New Hampshire. Here are a few of the most common, along with steps you can take to insure your home properly against them.
Flooding
Standard homeowners insurance policies typically do not cover flooding, so homeowners who are at risk will need to buy separate flood insurance.
To learn more about your home’s risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if your property is deemed low risk, it may be worthwhile to buy flood insurance for extra peace of mind.
Remember that while you can buy flood coverage at any time, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.
Homeowners insurance typically covers most winter-related damage, but it's essential to review your policy and understand any specific limitations or exclusions. For example, flood damage caused by snowmelt may require a flood insurance policy.
The New Hampshire Insurance Department is responsible for overseeing the state’s insurance industry. In addition to providing consumer resources and helpful information on insurance, the department also handles consumer complaints against insurers.
You can file a complaint using the department's online form or by mail. If you have additional questions, contact the Consumer Services staff at 800-852-3416 or by email at [email protected].
Is homeowners insurance required in New Hampshire?
Homeowners insurance is not required by New Hampshire state law. However, your lender may require you to buy home insurance. For more information, read Is Homeowners Insurance Required?
Does New Hampshire home insurance cover earthquakes?
No, New Hampshire home insurance policies do not typically cover earthquake or ground movement damage. If you are concerned about the risk of earthquakes, consider buying a separate earthquake insurance policy.
How can I save money on homeowners insurance in New Hampshire?
There are several ways to save money on homeowners insurance in New Hampshire:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.
Is homeowners insurance required in New Hampshire?
Homeowners insurance is not required by New Hampshire state law. However, your lender may require you to buy home insurance. For more information, read
Does New Hampshire home insurance cover earthquakes?
No, New Hampshire home insurance policies do not typically cover earthquake or ground movement damage. If you are concerned about the risk of earthquakes, consider buying a separate
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
