Compare Rates and Save on Home Insurance


Home Insurance Calculator


New Hampshire

Dwelling Coverage






Personal Property


Credit Score


low end

on average

high end

These are annual estimates. Get a personalized quote to determine your costs.

mglogo icon

MoneyGeek analyzed rates from multiple providers to help you find the best and most affordable options. We found that Travelers offers the cheapest homeowners insurance in New Hampshire. Our list also includes recommendations for different types of homes and homeowners.

Alternatively, you can review MoneyGeek’s recommendations for the best homeowners insurance in New Hampshire if you prefer to balance affordability and service quality.

How to Estimate the Cost of Your Homeowners Insurance Policy in New Hampshire

When estimating the cost of your homeowners insurance in New Hampshire, you need to factor in several variables, including your preferred dwelling coverage, deductible, liability coverage, the value of the personal property you have in your home and your credit score.

Get a personalized estimate of your annual premium cost by entering a few details into MoneyGeek’s New Hampshire home insurance calculator.

  • newHampshire icon

    New Hampshire

    Your home’s location has an impact on your homeowners insurance cost. For instance, insurance companies will charge you higher rates if your state or city is prone to natural disasters or has a high prevalence of crime.

    Although the New Hampshire Department of Safety reports that the state is prone to severe winter storms, floods and hurricanes, it has a relatively low crime rate which explains why it ranks fourth nationwide in terms of home insurance costs.

  • mortgage icon

    Dwelling Coverage

    The average dwelling coverage in New Hampshire is $250,000.

    Dwelling coverage will pay for rebuilding your home if a covered hazard damages it. Choosing a higher coverage limit means getting more protection at a higher cost.

  • money2 icon


    Your homeowners insurance deductible is the amount you’ll have to pay out-of-pocket on a claim before your policy kicks in.

    Generally, policies with higher deductibles tend to be cheaper. However, you’ll have to be prepared to face greater expenses when you need to file a claim.

  • briefcase icon


    Liability coverage pays for the expenses associated with any property damages or bodily injuries that happen to other people on your property, which you are legally responsible for.

    MoneyGeek recommends that you consider paying a few extra dollars to increase your liability coverage limits by hundreds of thousands of dollars per year.

  • tvSet icon

    Personal Property

    Personal property coverage will pay you to replace the personal belongings that you have in your home if they are damaged or stolen. It is important to get enough coverage, especially if you have high-value items such as fine art and jewelry.

    You can use MoneyGeek’s calculator below to estimate how much personal property coverage you need based on the items you currently own.

  • fairCredit icon

    Credit Score

    In New Hampshire, insurance companies may use your credit score when calculating your premiums. Homeowners with poor credit scores are generally viewed as more likely to file a claim. To compensate for this increased risk, insurers may charge them higher rates.


Total: $0

Insurance Rates


Average Cost of Home Insurance in New Hampshire

Based on MoneyGeek’s analysis, New Hampshire ranks fourth among the states in terms of affordability of homeowners insurance with $250K dwelling coverage. On average, homeowners can expect to pay an annual rate of only $1,086, which is substantially cheaper compared to the national average of $2,417.

Use MoneyGeek’s table to learn how dwelling coverage impacts the average cost of homeowners insurance in New Hampshire.

Average Annual Premium in New Hampshire for Homeowners Insurance
Dwelling Coverage Amount
Average Annual Premium















mglogo icon

Dwelling coverage (also known as home replacement coverage) is the amount needed to rebuild your home if it is totally damaged.

When determining how much dwelling coverage you need, you’ll need to consider factors such as the age, size, shape and features of your home. A professional real estate appraiser or insurance provider can provide you with an accurate estimate.

It is important to have dwelling coverage that equals the potential cost of rebuilding your home entirely. We also suggest getting an extended replacement, guaranteed replacement and inflation guard coverages for added protection.

Frequently Asked Questions About Home Insurance in New Hampshire

Learn more about homeowners insurance in New Hampshire by reviewing MoneyGeek’s answers to the most commonly asked questions about insurance costs in the state.


To determine the average cost of homeowners insurance in New Hampshire, MoneyGeek sourced pricing data from Quadrant Information Services.

MoneyGeek chose a standard home profile to provide the most reliable and relevant data for developing a thorough analysis of homeowners insurance. This standard home profile consists of the following attributes:

  • Construction year: 2000
  • Construction type: Frame
  • Composition roof
  • Three-mile radius from the fire department
  • Assumed value of other structures on the property: 10% of the dwelling coverage
  • Personal property coverage: 40% of the dwelling coverage
  • Liability limit: $100,000
  • Deductible: $1,000

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.