The best home insurance companies in New Hampshire are Amica, State Farm, Concord Group, Main Street America and Nationwide. Amica leads in both affordability and customer service, while Concord Group excels in coverage options. Compare all our top picks below.
Best Homeowners Insurance in New Hampshire
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in New Hampshire are Amica, State Farm and Concord Group.
Amica offers the best overall home insurance for most homeowners in New Hampshire. However, if you have a newer home, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in New Hampshire?
| Amica | 95 | 1 | 1 | 4 |
| State Farm | 79 | 3 | 2 | 5 |
| Concord Group | 72 | 2 | 5 | 1 |
| Main Street America | 64 | 4 | 4 | 3 |
| Nationwide | 62 | 5 | 3 | 2 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While the best home insurance options are ranked overall, they may differ based on your specific needs or property type. Below, we summarize the top picks in key categories.
| Amica | 95 | Overall |
| Amica | 95 | Older Homes |
| Amica | 95 | Newer Homes |
| Amica | 95 | High-Fire-Risk Areas |
| Amica | 95 | Bad Credit |
| Amica | 95 | With Claims History |
Best New Hampshire Home Insurance Reviews
Explore our analysis of leading home insurance providers in New Hampshire, including those excelling in affordability, customer service and comprehensive coverage options.
Amica: Best for Affordability and Customer Service
Amica is the most affordable provider and leads in customer service among New Hampshire home insurance companies. According to J.D. Power, it holds the second-best claims satisfaction score and ranks third for customer satisfaction. Additionally, Amica’s Platinum Choice program offers enhanced coverage for dwellings, electronics, business property, credit card fraud and more.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $36 | $429 |
| Newer Homes in High-Fire-Risk Areas | $36 | $429 |
| Older Homes | $59 | $713 |
| Older Homes in High-Fire-Risk Areas | $59 | $713 |
Nationwide: Best for Coverage
Although it's the most expensive provider in our study for New Hampshire home insurance, Nationwide does stand out for its coverage options. Its extensive coverage includes unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $51 | $614 |
| Newer Homes in High-Fire-Risk Areas | $59 | $711 |
| Older Homes | $112 | $1,344 |
| Older Homes in High-Fire-Risk Areas | $130 | $1,557 |
How to Find the Best Home Insurance in New Hampshire
Below, we provide an easy-to-follow guide to help you find the coverage that fits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in New Hampshire to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings. Bundling policies or installing safety devices could significantly lower your premiums.
- 3
Find the best providers for you
After researching coverage and costs, search for the best and cheapest home insurance in New Hampshire. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in New Hampshire: Bottom Line
Amica, State Farm and Concord Group are the best-rated homeowners insurance providers in New Hampshire. However, comparing and researching different providers can help you find the ideal coverage for your individual needs.
Best Home Insurance in New Hampshire: FAQ
We've answered common questions to help you choose the right home insurance provider in New Hampshire.
Which company is best for home insurance in New Hampshire?
Amica is the best homeowners insurance provider in New Hampshire, offering an optimal mix of affordability, excellent customer service, and diverse coverage options. State Farm, Concord Group, Main Street America and Nationwide also have strong ratings in New Hampshire.
Who has the most affordable homeowners insurance in New Hampshire?
Finding the most affordable homeowners insurance in New Hampshire depends on your individual circumstances and coverage needs. Nevertheless, the average cost of homeowners insurance in New Hampshire stands at $1,171 annually.
How do you get the best homeowners insurance in New Hampshire?
To find the best home insurance in New Hampshire, decide on your coverage needs beforehand, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in New Hampshire: Our Methodology
We rated the best homeowners insurance providers in New Hampshire using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Amica. "Get a Platinum Choice Home Quote." Accessed June 19, 2025.