Home insurance in New Hampshire costs about $86 monthly or $1,033 annually on average. Residents enjoy savings of $134 per month, or $1,602 annually, compared to the national average. This makes New Hampshire the sixth most affordable state for home insurance.
Average Home Insurance Cost in New Hampshire
Updated: May 30, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in New Hampshire range from $1,122 to $8,358.
New Hampshire's home insurance premiums are the sixth most affordable for home insurance in the U.S., at 61% below the national average.
To save on home insurance costs in the state, find what coverage you need beforehand, research costs and discounts in your area and shop around.
How Much Is Home Insurance in New Hampshire?
| New Hampshire Average | $86 | $1,033 | -61% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000, made of frame, with a $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in New Hampshire?
Home insurance is costly in New Hampshire because of increasing claims, severe weather risks, rising construction costs and state regulations. Below, we explain each factor in detail:
Rising Claims
When homeowners frequently file claims, insurers raise premiums to cover the increased risk of payouts. This reflects the higher likelihood of future claims based on past trends.
High Weather Risks
Areas prone to severe weather events, such as hurricanes or hailstorms, face higher home insurance costs due to the increased risk of property damage.
Rising Material and Labor Costs
As the cost of building materials and labor increases, so does the cost of repairing or rebuilding homes, causing insurers to charge more for coverage to account for these higher expenses.
State Insurance Laws
State-specific insurance regulations can affect premiums. Laws mandating certain coverages or setting claims handling procedures can increase costs for insurers, which are passed on to consumers.
What Affects New Hampshire Home Insurance Costs?
For most home insurance companies, these key factors affect pricing:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We'll explore how these factors impact rates in New Hampshire.
Coverage choices are the second most influential factor in home insurance rates for New Hampshire residents, averaging from $517 to $3,800 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $43 | $517 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $317 | $3,800 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in New Hampshire homeowners insurance rates, averaging from $46 to $94 per month. These factors affect replacement costs and the risk of damage or theft, leading to considerable rate differences.
| Lowest | New | Superior | Tile | $46 | $552 |
| Highest | Old | Frame | Shake-Treated | $94 | $1,131 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in New Hampshire home insurance rates, with prices ranging from 34% below to 26% above the state average. Choosing wisely means big savings on your policy.
| Lowest | Amica | $59 | $713 |
| Highest | USAA | $113 | $1,353 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score shows reliability, which can lower your home insurance costs. Premiums vary by up to 56%, with annual average rates ranging from $862 to $2,268.
| Lowest | Excellent | $72 | $862 |
| Highest | Poor | $189 | $2,268 |
How Much Does Claims History Affect Home Insurance Costs?
Filing more claims increases your risk profile, which can increase premiums. However, in New Hampshire, claims history has a smaller impact on cost than other factors. Depending on your claims history, rates can be affected by up to 22% or $298 annually.
| Lowest | Claim free for 5+ years | $89 | $1,073 |
| Highest | 2 claims in past 5 years | $139 | $1,670 |
Tips to Save on New Hampshire Home Insurance
With rising home insurance costs, saving on premiums matters, whether buying a new home or cutting expenses on your current one. Below are tips to help you secure the best and cheapest home insurance in New Hampshire that meets your needs.
- 1
Determine Your Coverage Needs
Know how much home insurance you need before buying to focus your search and avoid being oversold by agents. Consider standard coverage options and add-ons to protect valuable items you own.
- 2
Research Costs and Discounts
Understand average costs for your situation to spot good deals. Ask agents about discounts; some insurers apply reductions only when requested.
- 3
Compare Multiple Providers Through Different Channels
Compare insurers directly to find the best coverage for your needs. Use comparison sites, brokers, provider websites and agents, as quotes vary across channels.
- 4
Consider Bundling Policies
Bundling home and auto insurance in New Hampshire can save 10% to 25% on premiums. This can reduce your total insurance costs.
- 5
Reduce Your Personal Risk Profile
Make home improvements like adding storm shutters or security systems for discounts. Improving your credit score also decreases premiums. Moving from fair to good credit saves 28% on average.
- 6
Check State Programs
Some states offer programs for affordable coverage if traditional insurers deny you. These programs meet mortgage requirements but may offer limited coverage compared to traditional policies.
New Hampshire Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly due to where you live and how much coverage you get. Find affordable rates by checking your needs and typical prices. Then, get the best deal with our estimate tool.
Homeowners Calculator Insurance New Hampshire: FAQ
MoneyGeek answers common questions about home insurance costs in New Hampshire.
How much does homeowners insurance cost in New Hampshire?
New Hampshire's average monthly home insurance cost is $86 for dwelling coverage of $250,000. However, your rate will depend on your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate required dwelling coverage by calculating replacement costs, often with help from an appraiser. While this study uses $250,000 baseline coverage, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level, provider, credit score and home details.
How We Determined Our New Hampshire Home Insurance Estimates
When determining the average cost of home insurance in New Hampshire, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past five or more years
- Fire protection level of 3
However, rates vary widely depending on coverage level, provider chosen, home age, other home features, credit and claims history. All other combinations presented in this article assume the home was built in 2000.
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.