Average Cost of Homeowners Insurance in New Hampshire (2025)

The average cost of homeowners insurance in New Hampshire in 2024 is $1,002. This figure is $1,421 less than the national average of $2,423.

Aside from the amount of coverage you get, credit rating has the largest impact on premiums, with New Hampshire residents seeing a difference of $1,330 between the highest and lowest premium amounts due to credit scores.

If your rates have recently increased, we've also analyzed the cheapest policies in New Hampshire. Different insurance providers can also influence the cost of your premiums.

In New Hampshire, the average annual premium for homeowners insurance with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage is $1,002. This rate is less than the national average of $2,423.

Choosing how much coverage you need is essential for protecting your home. Dwelling coverage of $100K costs $547 annually, while $500K coverage costs $1,762.

Premiums for homeowners insurance in New Hampshire vary among providers for comparable coverage. Amica offers an annual premium of $705, while USAA's similar policy costs $1,351.

New Hampshire has many strong providers. Differences in underwriting influence premiums, so compare options to find the best rate.

Homeowners in New Hampshire with poor credit scores pay an average annual premium of $2,133 for homeowners insurance, compared to $803 for those with excellent credit. Credit scores impact insurance rates because insurers use them to assess claim risk.

You can't improve your credit score overnight, but you can enhance it over time to lower your rates. Compare insurers now to find immediate savings; see which will save you the most in less than 15 minutes.

Roofing materials influence homeowners insurance premiums. In New Hampshire, choosing a tile roof can lower your insurance costs. The data shows a $74 difference between the lowest and highest premium options based on roof type.

Construction materials impact insurance rates. Homes with superior construction offer more attractive insurance rates. Premiums for homes with different construction types in New Hampshire differ by $103.

Check the table below to see how premiums change based on your home's materials.

Homeowners insuring new construction in New Hampshire pay less in premiums. The average annual premium for a new home is $590 compared to older homes. The table below shows premium differences between new and existing homes. Adjust the coverage filter to match your needs.

In New Hampshire, homeowners who have been claim-free for over five years pay an average annual premium of $1,002 for their homeowners insurance. Filing one claim within the past five years raises the average premium to $1,275, a $273 increase. Two claims in the same time frame push the premium to $1,552 annually, $550 above the claim-free rate.

Find affordable homeowners insurance in New Hampshire by understanding the factors that affect your premium and comparing your options.

In New Hampshire, homeowners save an average of 14% by bundling their home and auto insurance policies. Annual savings range from $203 to $340. Bundling simplifies your insurance management and reduces costs. Explore MoneyGeek's Best and Cheapest Home and Auto Bundle Companies in New Hampshire analysis for detailed options.

New Hampshire residents can access homeowners insurance discounts.

• Loyalty discounts for long-term policyholders.
• Protective devices discounts for homes with security systems.
• Claims-free discounts for homeowners without recent insurance claims.

Explore our guide on how to save with discounts for more ways to reduce costs. Ask about all available discounts when requesting a quote.

New Hampshire homeowners can access resources to understand regulations, find affordable coverage and report fraud.

• New Hampshire Insurance Department: Official state resource for insurance regulations.
• Affordable Home Insurance in New Hampshire: Find cost-effective options for your home.
• New Hampshire Homeowners Insurance Calculator: Estimate your potential insurance costs.
• High-Risk Home Insurance Coverage: Understand insurance for homes in high-risk areas.
• Top Home Insurance Options in New Hampshire: Compare the best insurance providers.
• Personal Property Coverage Essentials: Guide to personal property insurance needs.
• Report Insurance Fraud: Online system for reporting insurance fraud.