Best Homeowners Insurance in New Hampshire (2026)

Amica earned the top spot in our review of New Hampshire's best home insurance providers with a MoneyGeek score of 4.7 out of 5.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: February 3, 2026

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Key Takeaways: New Hampshire Home Insurance Providers

Our 2026 research found the top three home insurance companies in New Hampshire are Amica, USAA and State Farm.

Amica offers the highest-quality homeowners insurance in New Hampshire with the lowest average annual premium at $742.

Heavy rainfall and snowmelt create flooding hazards that drive up premiums. Residents should compare quotes for quality, affordable coverage.

5 Best Home Insurance Companies in New Hampshire

Amica is the best home insurance company for most New Hampshire homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:

Amica
USAA
State Farm
Concord Group
Main Street America


Amica	4.67	1	2	5
USAA	4.52	7	1	1
State Farm	4.29	2	4	3
Concord Group Insurance	4.14	3	3	7
Main Street America Insurance	4.07	4	7	2

*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.

Amica

MoneyGeek Rating

4.7/ 5

5/5Affordability

4.9/5Customer Experience

3.1/5Coverage

Average Annual Premium
$742
Average Monthly Premium
$62
J.D. Power Customer Satisfaction Score
705/1,000

pros
- Above-industry-average J.D. Power customer satisfaction score
- Most affordable rates for New Hampshire homeowners
- Flexible policy options with various add-ons
cons
- Limited availability in some New Hampshire areas
- Accessibility varies based on regional availability constraints
- Coverage access depends on location
Amica offers customizable coverage options, letting homeowners adjust their policies to specific needs rather than settling for generic coverage. Its home replacement cost coverage pays full rebuilding costs after a total loss, so homeowners won't pay out-of-pocket expenses for reconstruction.

Amica charges $742 annually for home insurance in New Hampshire, 36% less than the state average of $1,151. Bundle multiple policies or install a home security system to reduce costs.


Older Homes	$733	$61
Newer Homes	$558	$46
Young Homeowners	$743	$62
Senior Homeowners	$737	$61
High-Risk Fire Homes	$831	$69
Smaller Homes	$934	$78
Larger Homes	$1,121	$93

Amica earned 705 out of 1,000 points in the J.D. Power customer satisfaction study, above the industry average of 642. The company works through local independent agents familiar with New Hampshire homeowners' coverage needs and competitive rates. Amica offers an online platform for policy management that works alongside agent support.
Amica provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers repair or replacement of home systems and appliances after mechanical failure
- Water backup: Covers damage from water backing up through sewers or drains
- Identity theft protection: Provides assistance and expense coverage for identity theft recovery
- Service line coverage: Covers repair costs for underground service lines connecting to your home
- Scheduled personal property: Adds coverage for high-value items like jewelry and art
- Inland flood: Covers flood damage not included in standard policies
- Green upgrades: Covers replacement of damaged items with environmentally friendly options
- Cyber protection: Covers losses from cyber incidents, including data breaches and fraud
- Umbrella coverage: Provides additional liability coverage beyond standard policy limits

USAA

MoneyGeek Rating

4.5/ 5

4.1/5Affordability

5/5Customer Experience

5/5Coverage

Average Annual Premium
$1,352
Average Monthly Premium
$113
J.D. Power Customer Satisfaction Score
737/1,000

pros
- Digital tools simplify policy management and claims filing
- J.D. Power score of 737 beats industry average of 642
- Multiple add-on coverage options for military families
cons
- Rates run 17% above state average
- Limited availability in some New Hampshire areas
- Higher premiums than competitors
USAA serves military families well in New Hampshire at $1,352 annually. The insurer includes replacement cost coverage for personal property, which replaces damaged items at full value without depreciation when you file claims. Its military uniform coverage protects service members' uniforms against loss or damage, a benefit especially useful for New Hampshire's active military population.

USAA charges $1,352 annually for New Hampshire home insurance, 17% more than the state average of $1,151. Bundle multiple policies or install a home security system to reduce costs.


Older Homes	$1,344	$112
Newer Homes	$1,001	$83
Young Homeowners	$1,353	$113
Senior Homeowners	$1,344	$112
High-Risk Fire Homes	$1,515	$126
Smaller Homes	$1,278	$106
Larger Homes	$1,418	$118

USAA earned 737 out of 1,000 points in J.D. Power ratings, well above the industry average of 642. The company runs a digital-first service model with direct access to representatives and strong online tools for policy management and claims filing. USAA offers coverage options designed for military families in New Hampshire, with features that address service member needs.
USAA provides standard homeowners coverage with optional add-ons:
- Home Protector: Adds 25% more to your dwelling and other structures coverage limits when building costs increase
- Water backup: Covers damage from water or sewage backing up through plumbing from outside your home or overflowing from a sump pump
- Earthquake: Covers your home and belongings damaged by earthquakes, shock waves or tremors
- Personal injury: Covers you if accused of damaging someone's reputation through libel, slander, defamation of character or other harmful actions

State Farm

MoneyGeek Rating

4.3/ 5

4.6/5Affordability

4/5Customer Experience

3.8/5Coverage

Average Annual Premium
$1,009
Average Monthly Premium
$84
J.D. Power Customer Satisfaction Score
657/1,000

pros
- J.D. Power score of 657 beats industry average of 642
- Most affordable rates in New Hampshire at $1,009 annually
- Digital tools simplify policy management and claims filing
cons
- Claims processing slows during peak periods
- Fewer specialized coverage options than competitors
- Buying direct means no agent guidance
State Farm includes replacement cost coverage for personal property, which pays full value for your belongings after a covered loss. It also offers optional water backup coverage, which protects against damage from sewer or drain backups. This matters in New Hampshire given the state's heavy rainfall patterns.

State Farm charges $1,009 annually for home insurance, 12% less than the state average of $1,151. Bundle multiple policies or install a home security system for additional savings.


Older Homes	$1,026	$86
Newer Homes	$753	$63
Young Homeowners	$1,010	$84
Senior Homeowners	$1,003	$84
High-Risk Fire Homes	$1,130	$94
Smaller Homes	$1,271	$106
Larger Homes	$1,526	$127

State Farm earned 657 out of 1,000 points in J.D. Power customer satisfaction ratings, above the industry average of 642. The company works through local independent agents and direct sales, with agents familiar with New Hampshire's insurance needs. Its mobile app lets you manage your policy and file claims online.
State Farm provides standard homeowners coverage with optional add-ons:
- Personal articles policy: Covers high-value items like jewelry, art and collectibles against more risks than a standard policy
- Umbrella policy: Increases your personal liability protection beyond your homeowners and auto policies
- Service line coverage: Pays for repairs to underground utility lines on your property
- Sewer backup coverage: Covers water damage and cleanup costs from a sewer backup starting inside your home
- Energy efficiency upgrade: Adds funds to upgrade damaged systems to more energy-efficient models
- Identity fraud protection: Covers costs for restoring your identity after theft

Concord Group

MoneyGeek Rating

4.1/ 5

4.6/5Affordability

4.4/5Customer Experience

2/5Coverage

Average Annual Premium
$1,015
Average Monthly Premium
$85
J.D. Power Customer Satisfaction Score
N/A

pros
- Digital tools simplify policy management and claims processes
- Affordable rates at $1,015 annually, 12% below state average
- Local agents familiar with New Hampshire coverage needs
cons
- Claims require extensive documentation that can delay settlements
- Limited availability in some New Hampshire areas
- Fewer coverage options than larger competitors
Concord Group offers optional coverage for water damage from ice dams, a common winter problem for New Hampshire homeowners. Its policies include replacement cost coverage for personal property, which pays full value after a loss.

Concord Group charges $1,015 annually for home insurance, 12% less than the state average of $1,151. Bundle multiple policies or install a home security system to reduce costs.


Older Homes	$1,024	$85
Newer Homes	$829	$69
Young Homeowners	$1,049	$87
Senior Homeowners	$932	$78
High-Risk Fire Homes	$1,138	$95
Smaller Homes	$1,280	$107
Larger Homes	$1,535	$128

Concord Group doesn't have a J.D. Power score. The industry average is 642 points out of 1,000. The company works through local independent agents who know New Hampshire homeowners' coverage needs. Its digital tools lag behind larger insurers, so online management options are limited.
Concord Group provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers repair or replacement of home systems and appliances after mechanical failure
- Water backup: Covers damage from water backing up through sewers or drains
- Identity theft protection: Covers assistance and expenses for identity theft recovery
- Service line coverage: Covers repairs to underground service lines for water, sewer and electrical systems
- Scheduled personal property: Adds coverage for high-value items like jewelry and art
- Inland flood: Covers flood damage not included in standard homeowners insurance
- Green upgrades: Covers environmentally friendly upgrades after a loss
- Cyber protection: Covers losses from cyber attacks and data breaches
- Umbrella coverage: Adds liability coverage beyond standard policy limits

Main Street America Insurance

MoneyGeek Rating

4.1/ 5

4.5/5Affordability

3.4/5Customer Experience

3.9/5Coverage

Average Annual Premium
$1,094
Average Monthly Premium
$91
J.D. Power Customer Satisfaction Score
N/A

pros
- Broad coverage options for different homeowner needs
- Strong financial stability with high AM Best ratings
- Reliable claims handling backed by solid finances
cons
- Limited availability in some New Hampshire areas
- Rates run slightly higher than some competitors
- Fewer add-on options than larger insurers
Main Street America includes replacement cost coverage for personal property, which pays full value when you file claims for damaged belongings. Its policies include water backup coverage as standard protection, important for New Hampshire homes in flood-prone areas where backed-up drains and sewers cause water damage.

Main Street America charges $1,094 annually for home insurance coverage, 5% less than New Hampshire's state average of $1,151. Bundle multiple policies or install a home security system for additional savings.


Older Homes	$1,178	$98
Newer Homes	$800	$67
Young Homeowners	$1,078	$90
Senior Homeowners	$1,070	$89
High-Risk Fire Homes	$1,226	$102
Smaller Homes	$1,379	$115
Larger Homes	$1,655	$138

Main Street America doesn't have a J.D. Power customer satisfaction score available. The industry average is 642 points out of 1,000. The company works through local independent agents for New Hampshire homeowners. Main Street America offers an online platform where you can manage your account and handle routine tasks.
Main Street America provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers repair or replacement of home systems and appliances after mechanical failure
- Water backup: Covers damage from water backing up through sewers or drains
- Identity theft protection: Covers assistance and expenses for identity theft recovery
- Service line coverage: Covers repair or replacement of damaged utility service lines to your home
- Scheduled personal property: Adds coverage for high-value items like jewelry and art
- Inland flood: Covers flood damage away from coastal areas
- Green upgrades: Covers replacement of damaged items with environmentally friendly alternatives
- Cyber protection: Covers losses from cyber attacks and online fraud
- Umbrella coverage: Adds liability coverage above standard policy limits

Compare the Best New Hampshire Home Insurance Companies by City

New Hampshire's coastal communities face different insurance challenges than inland rural areas, with rates and provider performance varying by location. Our research identified the top-rated insurer for major cities across the state based on affordability, customer satisfaction and coverage options.


Contoocook	Amica	$691
Dover	Amica	$691
Manchester	Amica	$819
Walpole	Amica	$691

How Much Is New Hampshire Home Insurance?

Dwelling coverage amounts affect New Hampshire home insurance costs, with $500,000 coverage costing $2,018 annually versus $633 for $100,000 coverage. Credit scores drive the biggest rate differences. Poor credit pushes annual premiums to $1,685, while excellent credit brings costs down to around $686. Overall, the state averages $1,151 yearly, though rates vary based on your home and personal profile.


Overall average	$1,151	$340
$100,000 dwelling coverage	$633	$195
$500,000 dwelling coverage	$2,018	$585
Older homes (1980)	$3,789	$316
Newer homes (2020)	$2,829	$236
Homeowner age 20–40	$4,022	$335
Seniors 61+	$4,053	$338
Recent Claim	$4,723	$394
Excellent Credit	$686	$258
Poor Credit	$1,685	$673

How to Find the Best Home Insurance in New Hampshire

New Hampshire home insurance should cover severe weather and natural disasters. Compare quotes from multiple insurers to get affordable coverage that covers damage from the state's wildfires, hailstorms and floods.

1
Decide on Coverage Needs Before You Buy
Assess your home's replacement cost and New Hampshire's natural disaster risks. Wildfires threaten foothills communities, hail strikes along the Front Range and flash floods hit mountain drainage areas. Your coverage should match your home's value, personal property and liability needs, plus New Hampshire's high rebuilding costs.
2
Research Costs and Discounts
New Hampshire home insurance averages $1,151 annually. Bundling home and auto policies saves 15% to 25% on premiums. Monitored security systems, fire-resistant roofing and hail-resistant shingles earn you discounts. Impact-resistant windows and roof updates bring additional savings and reduce hail damage.
3
Evaluate Provider Reputation and Coverage Options
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for New Hampshire-specific coverage like wildfire protection, water backup from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when material shortages or labor increases push expenses past policy limits.
4
Explore Alternative Coverage Types
Inland flood coverage protects against flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage handles HVAC system failures in New Hampshire's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their distinct risks.
5
Get Multiple Quotes
Compare quotes from at least three insurers since rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in New Hampshire homes.

REVIEW YOUR HOMEOWNERS INSURANCE COVERAGE ANNUALLY

Update your dwelling coverage limits each year to match rising construction costs and your home's current replacement value. New Hampshire's severe winter weather and housing market shifts change your coverage needs over time. Shop for new quotes annually and after major home improvements.

Top-Rated New Hampshire Home Insurance Companies: Bottom Line

Amica, USAA and State Farm lead New Hampshire's home insurance market with strong financial ratings and broad coverage options. Get quotes from these insurers and prioritize protection against the state's wildfire and hail risks with adequate rebuilding and liability coverage.

Best Home Insurers in New Hampshire: FAQ

Common questions New Hampshire homeowners ask when shopping for home insurance:

Does home insurance cover flood damage to home?

No, standard homeowners insurance policies exclude flood damage. Floods require separate flood insurance coverage, which you can buy through the National Flood Insurance Program or private insurers. This exclusion applies to all flood causes: heavy rainfall, storm surge and overflowing waterways.

How much home insurance coverage do I need?

Your dwelling coverage must match the full cost to rebuild your home, which differs from its market value. Inventory your belongings to calculate adequate personal property coverage amounts. Get a professional appraisal or use construction cost calculators for accurate rebuild estimates.

How does New Hampshire's flooding affect home insurance rates?

Flooding drives up New Hampshire home insurance premiums as insurers pay more claims and reassess risk in flood-prone areas. Properties near the Merrimack River valley and coastal regions see the steepest rate increases from higher flood exposure. Installing flood-resistant materials like waterproof barriers and sump pumps can earn homeowners discounts and reduce water damage.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to replace your damaged belongings with new items at current market prices. Actual cash value compensates you for what your items were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost coverage buys you a brand-new TV. Actual cash value pays only what your old television was worth.

How We Determined the Best Home Insurance Companies in New Hampshire

Our analysis shows which insurers balance affordability with coverage for New Hampshire-specific risks. We evaluated home insurance providers across three weighted factors that determine value for New Hampshire homeowners.

Affordability (55%): Competitive pricing and extensive discounts earned providers higher scores in this category. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. New Hampshire's high rebuilding costs and frequent hail claims make affordable coverage important.

Customer satisfaction (30%): Ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling reveal which companies deliver consistent service throughout your relationship, not just competitive quotes. When wildfire or hail damage strikes, claims experience matters most — you need prompt payment and clear communication.

Coverage options (15%): Add-on availability, special features and state access determined scores in this category. Policies with more flexibility let you customize coverage to New Hampshire needs like wildfire protection, water backup from snowmelt and equipment breakdown for HVAC systems in temperature extremes.

Our Sample Profile

Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical New Hampshire homeowners balancing comprehensive coverage with manageable premiums.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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