Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in New Hampshire, with the best coverage for high-value homes.
Andover Companies is our pick for the best regional company.
Amica offers the best value for New Hampshire homeowners.
State Farm has the best coverage for most homes.
USAA is our top pick for military families.
In the Granite State, some home insurers stand out for customer service, affordable rates or extra coverage that comes standard. The best homeowners insurance in New Hampshire will vary depending on your home, where in the state you live, and what’s important to you.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in New Hampshire
best coverage for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb’s policies for high-value homes include generous coverage and lots of perks. For example, they cover damage from water that backs up into your home. (This insurance usually costs extra from other companies.) They also include a service called HomeScan, which uses infrared technology to look for problems behind your walls.
Standout feature: Chubb policyholders with secondary or seasonal homes in New Hampshire can use the company’s Property Manager service at no charge. With this service, a Chubb representative will check your home after a hurricane and report its condition to you. They can also help prevent further damage and submit a claim on your behalf.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
best regional company
Andover Companies
- Far fewer consumer complaints than expected.
- Includes more generous dwelling and personal property coverage than most insurers.
- Many additional coverage options to choose from.
- Limited online experience.
Why it’s worth a look: Massachusetts-based Andover Companies sells home insurance policies through independent agents in the Northeast. Its policies include guaranteed replacement cost coverage for your home. That ensures you’ll have what you need to rebuild after a disaster, regardless of the cost.
Standout feature: Most policies come with a high amount of ordinance or law coverage, which pays to bring your home up to current building codes after a claim. This is a particularly useful feature for older houses.
Average rates: Not available.
» READ MORE: Andover Companies homeowners insurance review
best value
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica had the most affordable rates of all our top companies in New Hampshire. The company also shines when it comes to customer service. It regularly earns high marks in J.D. Power surveys about home insurance and customer satisfaction. Amica also draws a very low rate of complaints to state regulators.
Standout feature: If you want a little more coverage, consider the Platinum Choice Home package. It includes extra coverage for your home and valuable belongings.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $840 |
$400,000 | $1,080 |
$500,000 | $1,300 |
$600,000 | $1,525 |
$700,000 | $1,760 |
» READ MORE: Amica homeowners insurance review
best for most homes
State Farm
- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Below average for claim satisfaction in a recent J.D. Power study.
Why it’s worth a look: State Farm is the largest home insurer in the U.S., offering solid coverage for a wide variety of houses. Its policies may include inflation coverage to make sure your policy keeps up with rising costs.
Standout feature: State Farm offers policyholders in New Hampshire a free Ting device. This smart technology monitors your home's electrical system to help prevent fires.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,245 |
$400,000 | $1,485 |
$500,000 | $1,715 |
$600,000 | $1,945 |
$700,000 | $2,160 |
» READ MORE: State Farm homeowners insurance review
BEST FOR MILITARY FAMILIES
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA sells homeowners insurance to active military, veterans, some federal workers and their families. The company serves this community with deductible-free coverage for military uniforms and equipment. If you rent out your home while you’re deployed, consider USAA’s home-sharing or landlord coverage.
Standout feature: USAA’s Home Protector option adds a package of extra coverage. For example, it covers debris removal and bringing your home up to current building codes.
Average rates: Below are the average annual rates for a range of dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,235 |
$400,000 | $1,425 |
$500,000 | $1,660 |
$600,000 | $1,875 |
$700,000 | $2,105 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in New Hampshire
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$2,335 | ||
Not available |
How much does home insurance cost in New Hampshire?
The average cost of homeowners insurance in New Hampshire is $1,880 per year, or about $157 per month. That's 37% less expensive than the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible, and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for New Hampshire homes is $508,911, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,225 |
$400,000 | $1,500 |
$500,000 | $1,880 |
$600,000 | $2,210 |
$700,000 | $2,555 |
The rates above are for homeowners with good credit. In New Hampshire, policyholders with poor credit pay an average of $3,340 per year — an increase of 78%.
Average cost of homeowners insurance in New Hampshire by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Manchester is $1,885 per year, while Nashua homeowners pay $1,795 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Berlin | $1,920 | $160 |
Claremont | $1,790 | $149 |
Concord | $1,860 | $155 |
Dover | $1,880 | $157 |
Franklin | $1,880 | $157 |
Keene | $1,775 | $148 |
Laconia | $1,920 | $160 |
Lebanon | $1,765 | $147 |
Manchester | $1,885 | $157 |
Nashua | $1,795 | $150 |
Portsmouth | $1,965 | $164 |
Rochester | $1,885 | $157 |
Somersworth | $1,935 | $161 |
The cheapest home insurance in New Hampshire
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$730
$840
$1,120
$1,135
$1,170
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$900
$1,080
$1,425
$1,450
$1,425
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$1,075
$1,300
$1,715
$1,740
$1,660
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$1,245
$1,525
$1,945
$2,015
$1,875
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$1,420
$1,760
$2,160
$2,275
$2,105
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common New Hampshire home insurance problems
New Hampshire residents should keep a few common problems in the state top of mind when considering a homeowners policy.
Winter storms. From the White Mountains to the Seacoast, the Granite State doesn’t shrink from snowy weather. But all the ice and snow can cause serious damage. Homeowners insurance generally covers damage caused by severe winter weather, but your policy may have limitations. For example, flood damage caused by snowmelt may require a separate flood insurance policy.
Wildfire. Wildfire risk is rising in the Granite State, fueled by periods of prolonged drought and urban areas close to parched stretches of forest. Homeowners insurance policies generally cover fire damage, but pay attention to your dwelling coverage limit to ensure you have enough to rebuild.
Flooding. Riverine flooding (the overflowing of a river’s banks) is the most common type of disaster in New Hampshire, according to the state’s Fish and Game Department. Home insurance typically doesn't cover flooding; you’ll need separate flood insurance for that. You can get flood insurance any time, but there’s often a 30-day waiting period before the coverage takes effect.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.New Hampshire Insurance Department
The New Hampshire Insurance Department oversees the state’s insurance industry. The state’s site offers consumer resources and information on insurance as well as ways for policyholders to file complaints against insurers by mail, fax or online. If you have additional questions, contact the Consumer Services staff at 800-852-3416 or by email at consumerservices@ins.nh.gov.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn't legally required in New Hampshire. However, your lender may require you to buy home insurance. For more information, read Is Homeowners Insurance Required?
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.##ENDLI##
Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.
Ask your insurer if you qualify for any home insurance discounts.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.New Hampshire Bulletin. Wildfire risk is rising in New Hampshire — and science has identified the culprit. Accessed .
- 2.New Hampshire Fire and Game Department. Storms and Flooding and Climate Change. Accessed .
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, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. 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:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
