The best overall home insurance provider in New Hampshire is Amica Mutual. It’s also the best for service quality and expensive homes. However, Travelers ranks best for affordability, while USAA is the best for current or former military members. State Farm is best for bundling.
MoneyGeek analyzed the best home insurance companies in New Hampshire for various homeowner profiles. We evaluated coverages and discounts to help you decide which company is best for you.
MoneyGeek also analyzed the cheapest homeowners insurance providers in New Hampshire for those more concerned with saving on their monthly bill.
The Best Homeowners Insurance in New Hampshire






The Best Overall Homeowners Insurance Companies in New Hampshire
People shopping for home insurance should look for companies that balance service quality and affordability. MoneyGeek ranked the top-rated providers in New Hampshire based on affordability, claims reputation, customer service and financial stability.
We found that the best insurance companies in New Hampshire are:
- Amica Mutual: MoneyGeek score of 83 out of 100
- Nationwide: MoneyGeek score of 83 out of 100
Even though USAA received an overall score of 88 out of 100, we excluded it from our list since it’s limited to military members and their families.
MoneyGeek broke down the reasons why Amica Mutual and Nationwide scored the highest. We also listed their unique coverages and discounts.
The Top Home Insurance Companies in New Hampshire

Amica Mutual ranked the highest for customer satisfaction, second highest for financial stability. However, it ranked lower in terms of affordability. On average, a policy with Amica Mutual in New Hampshire costs $1,018 per year. They offer unique coverages for earthquakes.
With Amica Mutual’s uncommon coverage for earthquakes, you get protection for property damage or loss in the event of an earthquake. You can also get discounts for paperless and automatic payments. When you opt to receive your policy information and bills electronically, you will receive a discount.
Read MoneyGeek's Amica Mutual home Insurance Review
Nationwide ranked reasonably well in terms of customer satisfaction, stability and affordability. A Nationwide policyholder in New Hampshire may pay $812 on average per year. The insurer has unique coverages and discounts, like “Better Roof Replacement” coverage.
If you get a policy with Nationwide, you can add various coverages and discounts that are uncommon. If you get a policy with Nationwide, you can add various coverages and discounts that are uncommon. With “Better Roof Replacement” coverage, you can replace your roof after a covered loss with materials that are safer and sturdier. Meanwhile, you can get a discount if you’ve purchased a home in the last 12 months with the home buyer discount.
Read MoneyGeek's Nationwide home Insurance ReviewMoneyGeek gathered quotes from insurance companies across the country and balanced them against property claims ratings and customer satisfaction scores from J.D. Power. We used these ratings to find the best home insurance nationally and in New Hampshire.
However, your actual insurance costs and experience will vary. Check out MoneyGeek’s methodology to learn more.
The Best Homeowners Companies in New Hampshire for Service Quality
Some homeowners may prioritize the quality of service over insurance costs. MoneyGeek scored the top insurance providers in New Hampshire based on customer satisfaction and claims experience.
According to our research, the best companies for this category are:
- Amica Mutual: MoneyGeek score of 90 out of 100
- Nationwide: MoneyGeek score of 81 out of 100
Although USAA received a perfect score out of 100, we didn’t include them in our rankings since USAA only serves military families.
MoneyGeek analyzed how Amica Mutual and Nationwide earned the highest scores for those who value quality service.
The Top Home Insurance Companies in New Hampshire for Quality Service

Amica Mutual garnered some of the highest scores for claims experience and customer satisfaction. However, they rank higher for claims than satisfaction. This means that they provide customers with a great service experience whenever claims are filed.
Aside from the rare coverage for earthquakes, Amica Mutual also offers extended reimbursement. With this add-on coverage, you get an additional 30% above your limit if you exceed the policy limit to rebuild or repair your home.
Read MoneyGeek's Amica Mutual home Insurance Review
Nationwide received a higher score for claims compared to customer satisfaction. This means that when customers file a claim, Nationwide provides an excellent service experience.
You can opt for unique coverages with Nationwide and get added protection for damage caused by an earthquake. A more common coverage is the building ordinance or law coverage, which might help you after a covered loss if you need to rebuild your home due to new building codes.
Read MoneyGeek's Nationwide home Insurance ReviewThe Best Homeowners Companies in New Hampshire on a Budget
MoneyGeek ranked the best home insurance companies in New Hampshire if the cost of insurance is a big factor for you. We also analyzed the unique coverages and discounts they offer.
MoneyGeek’s data shows the best home insurance companies in New Hampshire:
- Travelers: MoneyGeek score of 91 out of 100
- Nationwide: MoneyGeek score of 87 out of 100
With Travelers, you might pay an average of $728 per year for coverage. On the other hand, a Nationwide policy costs $812 per year on average. To help you understand how Travelers ranked highest in affordability, MoneyGeek analyzed its unique coverages and discounts.
The Top Home Insurance Companies in New Hampshire on a Budget

pros
Offers the cheapest home insurance premium in New Hampshire at roughly $728 per year
Discounts if you stay claims-free or own a protective device like a fire alarm
cons
Doesn’t offer discounts for home renovation or new homes
MoneyGeek satisfaction rating of 3.55 out of 5
COMPANY HIGHLIGHTS
Travelers has a perfect affordability score compared to other insurance companies we analyzed.
The insurer has various discounts that you can utilize to make the most out of your policy. You can get discounts for bundling your home and auto insurance policies or if you’ve been claims-free for a specific time period.
You can also get an uncommon discount if you purchased a home in the last 12 months before the policy’s effective date. Additionally, you can save up to 5% if you have a certified Leadership Energy and Environmental Design (LEED) green home.
The Best Homeowners Companies in New Hampshire for Expensive Homes
If you’re a high-value homeowner, you may need more coverage since the repair and rebuilding costs are higher for pricier homes. For individuals with expensive homes, MoneyGeek found the best home insurance companies in New Hampshire. We compared the cost of a $2 million home insurance policy against customer satisfaction.
Based on MoneyGeek’s data, we found that the top-rated companies in New Hampshire for this category are:
- Amica Mutual: MoneyGeek score of 86 out of 100
- State Farm: MoneyGeek score of 84 out of 100
USAA earned a score of 100 but was excluded from our rankings since their policies are only available to military families.
MoneyGeek analyzed how Amica Mutual received the highest score for expensive homes. We also looked at their unique coverages that benefit high-value homeowners.
The Top Home Insurance Companies in New Hampshire for High-Value Homes

pros
MoneyGeek satisfaction rating of 4.46 out of 5
Provides all common coverages
cons
Ranks lowest in affordability out of six home insurance providers
COMPANY HIGHLIGHTS
Despite Amica Mutual’s expensive policy, it received the highest rating for customer satisfaction compared to other companies MoneyGeek assessed. As a result, the great service might be worth it for homeowners who need a little more protection.
Amica Mutual even has coverages that are ideal for homeowners with expensive houses, including extended reimbursement and contents replacement cost. Extended reimbursement gives you 30% on top of your limit if the cost of your home exceeds your policy maximum. Contents replacement cost gets you full repair or replacement for your items based on your chosen coverage limit without factoring in depreciation.
The Best Homeowners Companies in New Hampshire for Veterans
There are several insurance providers for military members and their families. However, MoneyGeek found that USAA is the best option for homeowners who are current or former military members. On average, a homeowners insurance policy with USAA in New Hampshire costs $1,091 per year.
Receiving a MoneyGeek score of 88 out of 100, USAA ranked higher than other insurers in other important categories.
The Top Home Insurance Companies in New Hampshire for Veterans

pros
Policies are tailored to military families
MoneyGeek satisfaction rating of 5 out of 5
cons
Unavailable if you don’t have a military background
MoneyGeek affordability score of 3 out of 5
COMPANY HIGHLIGHTS
In New Hampshire, USAA garnered a perfect score for customer satisfaction and financial stability compared to other home insurance providers. However, only veterans, current military members and their families can purchase policies from this provider.
Homeowners with USAA policies can opt to receive coverage for earthquake-related damage and home rental. With home rental coverage, you get extra protection for you and your guests regardless of whether you rent a room in your home or your whole house.
The Best Homeowners Companies in New Hampshire for Bundling
You can utilize discounts when you bundle your insurance policies. To help you determine which policy works best for you, MoneyGeek compared the best home and auto insurance bundles. Try browsing for the best car insurance in New Hampshire and matching it with a suitable home insurance policy in New Hampshire.
MoneyGeek’s findings show that the best companies for bundling in New Hampshire are:
- State Farm: MoneyGeek score of 84 out of 100
- Allstate: MoneyGeek score of 79 out of 100
When you bundle policies, you can get extra discounts. On top of that, processing and managing your insurance becomes easier since you only deal with one provider.
The Top Home Insurance Companies in New Hampshire for Bundling

pros
Auto insurance MoneyGeek score of 4.04 out of 5
A 26% discount for bundling
cons
Home insurance MoneyGeek score of 3.99 out of 5
COMPANY HIGHLIGHTS
State Farm is a great option for homeowners looking to bundle their auto and home insurance. State Farm policyholders that bundle can get a 26% discount and add additional unique coverages.
You can get loss assessment coverage if you’re a member of a homeowners association. This protects you when there is a covered loss that the association assesses to all members. Vacancy coverage is another uncommon service provided by State Farm. If your home has been unoccupied and its contents are empty, you get coverage if it is vandalized or has glass breakage.
In terms of auto insurance, State Farm offers the unique coverage of rideshare insurance. This ensures that medical, emergency roadside assistance and rental car reimbursement in your personal auto policy stay in effect while you’re working for a rideshare company.
How to Find the Best Home Insurance in New Hampshire
Homeowners shopping for home insurance in New Hampshire should look at a company’s service reputation, cost and financial stability. MoneyGeek gathered this information for you to help you find the best home insurance companies in New Hampshire. However, you can do your own research if you want to research other insurance providers.
Research Customer Service Reputations in New Hampshire
To save you time, MoneyGeek researched the customer service reputations of different insurance providers in New Hampshire. However, if a provider isn’t on our list for New Hampshire, you can check their J.D. Power satisfaction score and NAIC complaint ratios. You can also find useful information on New Hampshire’s Department of Insurance website.
Compare Quotes for Yourself
MoneyGeek sampled homeowner profiles across most of New Hampshire to get average quotes. However, these quotes may not apply in every part of the state. It’s best to compare at least three different quotes across various providers to get an accurate estimate of your home insurance premiums.
Make Sure the Company Has Coverages You Want in New Hampshire
Certain coverages and discounts aren’t always available in every state. To ensure that the insurance company meets your needs, it’s ideal to contact them and find out which coverages they offer in your location.
Double-Check Financial Stability Ratings
Before you purchase a policy, check the financial strength rating of the insurer. Large insurance companies tend to be financially stronger, but regional insurance companies in New Hampshire might get lower ratings. Financially stronger companies are more likely to be able to pay out claims.
FAQs About the Best Home Insurance in New Hampshire
Your individual needs should determine the best home insurance in New Hampshire for you. To help you make a decision, MoneyGeek listed commonly asked questions.
Methodology
MoneyGeek scores for homeowners insurance in New Hampshire were calculated by using a scaled and weighted average of J.D. Power Property Claims and Customer Satisfaction Scores, real homeowners insurance quotes and financial stability ratings from A.M. Best. Our scoring system weighted J.D. Power scores 60%, affordability 30% and financial stability 10%, adjusting weightings in the sections focused on affordability and service experience specifically.
MoneyGeek analyzed homeowners insurance quotes from the top insurance companies in New Hampshire that were provided in partnership with Quadrant. Our analysis includes quotes from ZIP codes across New Hampshire. Quotes were gathered with an average home profile of 2,500 square feet, built in 2000, with an average dwelling coverage value of $250,000, liability coverage of $100,000 and personal property coverage of $100,000.
About Mark Fitzpatrick
