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New Hampshire Homeowners Insurance Calculator: Free Cost Estimator (2025)
Updated: April 22, 2025
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Calculator
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
$220
High
$144
Average
$104
Low
Rates updated:
Apr 22, 2025
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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.
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.
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.
Deductible
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.
Liability
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.
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.
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.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
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
| $100,000 | $716 |
| $250,000 | $1,086 |
| $500,000 | $2,537 |
| $750,000 | $3,696 |
| $1,000,000 | $4,823 |
| $2,000,000 | $9,457 |
| $3,000,000 | $14,205 |
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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.
How much does homeowners insurance cost in New Hampshire?
In New Hampshire, the average cost of homeowners insurance is $1,086 for $250K in dwelling coverage. This is 55% less than the national average of $2,417, which makes New Hampshire the fourth cheapest state in terms of homeowners insurance costs.
How do I know how much dwelling coverage to get?
The average dwelling coverage in New Hampshire is $250,000, but you may require more or less than this depending on the actual cost of rebuilding your home in the event of total loss. To avoid the financial consequences of an inaccurate estimate of your home’s replacement cost, MoneyGeek recommends that you enlist the services of a professional appraiser.
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Methodology
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, 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
- New Hampshire Department of Safety. "Frequently Asked Questions." Accessed October 22, 2024.
- New Hampshire Journal. "As U.S. Murder Rate Soars, N.H. Has Many Guns, Few Crimes." Accessed October 22, 2024.