The Best Bundled Insurance in New Hampshire



The Best Home and Auto Bundles in New Hampshire
MoneyGeek ranked insurance bundles based on price, discounts and customer service. According to our research, the top two companies offering home and auto insurance bundles in New Hampshire are:
- State Farm: MoneyGeek score of 84 out of 100
- Nationwide: MoneyGeek score of 78 out of 100
State Farm received the highest ratings for home and auto satisfaction as well as discounts. The company is also the most affordable in the state for bundling home and auto insurance. Nationwide, the runner-up in New Hampshire, tied for first in both auto and home satisfaction and ranked second in discounts.

pros
Scored 4 out of 5 in auto and home insurance
Received a perfect discount score
Offers new vehicle discount
Offers earthquake coverage
cons
Does not offer accident forgiveness
Does not offer pay-in-full discount for car insurance
COMPANY HIGHLIGHTS
State Farm is the best overall company for bundling auto and home insurance policies in New Hampshire, as well as the cheapest. When you bundle your insurance policies with State Farm, you can save as much as 20% or $340 annually on premiums.
Roadside assistance is an economical add-on coverage to State Farm's auto insurance. This coverage delivers help to drivers who run out of gas, get locked out, need a tow or have a dead battery. However, State Farm does not provide new car replacement, better car replacement or gap insurance.
State Farm is also a leader in the home insurance market. This insurer's homeowners' policies offer mold coverage of up to $20,000 and protection for the home's permanent equipment system, such as heating and cooling, in case of a mechanical or electrical breakdown. State Farm also offers policyholders optional earthquake coverage.

pros
Scored 4 out of 5 in home and auto insurance
Offers total loss deductible waiver coverage and automatic payments discount for auto insurance
Offers better roof replacement coverage and continuously insured discount for home insurance
cons
Does not offer pay-in-full discount or new car replacement coverage
Does not offer common home insurance add-on coverages
COMPANY HIGHLIGHTS
According to MoneyGeek, Nationwide provides the second-best bundle insurance in New Hampshire. The company is also the second-cheapest option at $1,549 per year.
Nationwide auto insurance’s total loss deductible waiver is an add-on that will cover your comprehensive or collision deductible if your car is a total loss after an accident. Its auto insurance also comes with identity theft protection, which covers damages up to $25,000 caused by fraud or identity theft against you or a family member. Automatic payment discounts are available to policyholders, which other insurers rarely provide.
Homeowners may benefit from Nationwide home insurance’s earthquake damage and better roof replacement coverage add-ons. Better roof replacement coverage pays to repair your roof with better and stronger materials after a covered loss.
The Best Home and Auto Bundles in New Hampshire for Military Backgrounds
USAA policies are an excellent choice for military members and their families. The company's bundled premium in New Hampshire costs around $1,425 per year.

USAA’s home insurance offers earthquake coverage. In addition, the company’s home rental coverage protects you whether you rent your entire home or just a portion. Homeowners who remain claims-free or install protective devices can also enjoy discounts.
You are eligible for a range of savings with USAA's auto insurance policies, including multiple car, safe driver and good student discounts. In addition, policyholders can opt for roadside assistance, rental car reimbursement and accident forgiveness coverage.
The Best Home and Auto Bundle Discounts in New Hampshire
In New Hampshire, the average annual savings for bundling home and car insurance is $234 or 13% of what it may cost to purchase the policies separately. State Farm offers the greatest savings, at 20%, according to MoneyGeek research, whereas Metropolitan provides the lowest, at 10%.
Sometimes, the provider offering the largest bundle discount is not necessarily the best or most cost-effective option in a state. However, in the case of New Hampshire, State Farm offers the steepest discount and the lowest rate.

The Cheapest Home and Auto Bundles in New Hampshire
The following insurers offer the cheapest home and auto insurance bundles in New Hampshire, with discounts not taken into account:
- State Farm: $1,375 per year
- Nationwide: $1,549 per year
Keep in mind that the cheapest option may not be the best for your particular needs. We recommend our readers thoroughly weigh each company's benefits, drawbacks and features to get the most long-term savings.

State Farm is the most affordable and best option for combining car and home insurance in New Hampshire. At roughly $1,375 per year, its bundling premiums are 20% less than purchasing its home and auto insurance policies separately.
MoneyGeek recommends State Farm for auto insurance since, in addition to the bundling discount, it offers multiple car, good student and safe driver discounts. Furthermore, you can save money on State Farm home insurance by taking advantage of protective devices, new home, home renovation and claims-free discounts.
The Cheapest Non-Bundle Insurance Combinations in New Hampshire
Remember, it might not always be cheaper to bundle home and auto insurance from the same carrier. Sometimes, bundling insurance plans from different providers may result in greater savings if you choose the least costly auto and home insurance policies.
However, bundling is typically cheaper in New Hampshire. Purchasing State Farm auto insurance ($743) and Metropolitan home insurance ($759) creates the cheapest non-bundled combination at $1,502. This cost is still higher than State Farm's home and auto insurance bundle, which costs $1,375.
Should You Bundle Home and Auto Insurance in New Hampshire?
Bundling your home and auto insurance policies in New Hampshire can be convenient and qualify you for a discount. However, keep in mind that not everyone may find bundling to be the most cost-effective option.
Bundle discounts in New Hampshire can save you between 7% and 20% per year.
State Farm offers the highest discount rate, allowing customers to save 20% by bundling their home and auto insurance plans. In New Hampshire, this results in annual savings of up to $340.
Bundles are a convenient way to combine your most important property insurance policies.
If you live in New Hampshire, you can save money by combining your auto and home insurance policies into one bundle. Bundling can also be convenient, as you only deal with one company.
In rare cases, it might be better not to bundle in New Hampshire.
Each insurer computes prices differently, so depending on your individual needs and profile, you may be able to find non-bundled insurance combinations that are cheaper than bundled options.
About Mark Fitzpatrick
