Best Homeowners Insurance in New Hampshire


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in New Hampshire are Amica, State Farm and Concord Group.

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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.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies in New Hampshire?

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.

Amica95114
State Farm79325
Concord Group72251
Main Street America64443
Nationwide62532

*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.

Amica95Overall
Amica95Older Homes
Amica95Newer Homes
Amica95High-Fire-Risk Areas
Amica95Bad Credit
Amica95With 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
Select
Credit Tier:Good
Select
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. 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. 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. 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. 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?

Who has the most affordable homeowners insurance in New Hampshire?

How do you get the best homeowners insurance in New Hampshire?

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 headshot

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.


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