Amica offers the best cheap renters insurance in New Hampshire. It tops our rankings with affordable rates, excellent customer satisfaction and strong coverage options.
Cheap Renters Insurance in New Hampshire
Updated: November 27, 2025
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Key Takeaways
Amica is New Hampshire's best overall and cheapest renters insurance company, with rates starting at $125 per year.
Renters insurance in New Hampshire costs an average of $15 per month, ranging from $10 to $32.
To find the best and most affordable renters insurance, decide on your coverage needs first. Then, research costs and compare many quotes.
New Hampshire Renters Insurance Quote Estimates
MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
It's free to use, requires no personal information and we won't send you any spam.
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Rates updated:
Dec 06, 2025
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| Amica | 98 | $10 | $125 |
| Nationwide | 93 | $15 | $182 |
| State Farm | 90 | $17 | $203 |
| Allstate | 85 | $17 | $210 |
| Concord Group | 72 | $32 | $384 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
New Hampshire renters endure harsh winters with potential ice dams and frozen pipes, making our renters insurance estimate calculator critical for determining adequate cold-weather protection.
Best Cheap Renters Insurance Companies in New Hampshire
Compare Personalized Best Cheap Renters Insurance in New Hampshire
While our list above covers most renters, it may not show your ideal options. We've made a filterable table that matches your profile to help you find the best options in New Hampshire.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
Good
| Amica | 98 | $8 | $91 |
| Nationwide | 86 | $11 | $136 |
| State Farm | 82 | $13 | $151 |
| Allstate | 65 | $17 | $204 |
| Main Street America | 65 | $15 | $181 |
Best New Hampshire Renters Insurance Review
Below are details about our top pick for renters insurance in New Hampshire, based on affordability, customer service and coverage options.
Amica: Best Cheap Plans
pros
Lowest rates
High customer service and claims satisfaction ratings
High financial stability ratings
cons
No natural disaster add-on coverage
COMPANY HIGHLIGHTS
Amica has the most affordable rates, the highest customer satisfaction and the most coverage options in New Hampshire. It ranks second nationally in overall customer satisfaction and claims handling, with rates starting at $10 per month. Amica offers specialized add-on coverage for electronics and property replacement at its new value.
Average Cost of Renters Insurance in New Hampshire
The average cost of renters insurance in New Hampshire is $180 per year, $62 lower than the national average of $242. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible. Your rate may vary based on your situation.
Below is a table where you can filter key factors affecting renters insurance rates to see average costs for your profile.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
Covered
| $50K Personal Property / $100K Liability | $15 | $180 |
New Hampshire Renters Insurance: Buyer's Guide
Finding renters insurance in New Hampshire can be challenging. Our guide simplifies this process with tips to help you find the right coverage for your needs.
How to Find the Best Cheap Renters Insurance in New Hampshire
Follow these steps to get the best coverage at the lowest price:
- 1Determine the right coverage level
Before shopping, determine how much coverage you need. Inventory your belongings and their value. Consider risks like weather damage, crime rates and potential pet damage.
- 2Research costs and discounts
Learn average rates for your situation to establish a baseline for comparing quotes. Check discounts you might qualify for to reduce costs.
- 3Compare providers
Research company reputations, typical costs and coverage options. Before collecting quotes, create a shortlist of providers that match your needs.
- 4Consider bundling
Ask your auto insurer about bundling options. The discount on your auto policy often can offset much of your renters insurance cost.
- 5Get multiple quotes through different channels
Compare at least five quotes with identical coverage. Use various sources, including comparison websites, company sites, insurance brokers and direct conversations with agents.
- 6Compare rates annually
Insurance rates vary regularly. Compare quotes each year to make sure you still have the best rate as markets and your needs change.
How Much Renters Insurance Do I Need in New Hampshire?
New Hampshire law doesn't mandate renters insurance, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit score and pet ownership. When choosing a policy, consider the value of your belongings, local weather risks, neighborhood crime rates and pet ownership.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
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.
New Hampshire Renter Risk Considerations
Renters in New Hampshire may have coverage gaps that standard policies don't address:
- Weather risks: Parts of New Hampshire are prone to hurricanes and winter storms. Standard renters insurance may not be enough for high-risk areas, so consider optional coverage for stronger protection.
- Crime risks: The state ranks 49th for property crime and 34th for identity theft and fraud nationwide. Adding extra coverage can help protect your belongings and personal information.
- Pet ownership: Pet owners may need pet liability coverage. Confirm whether your provider includes it in the base policy or requires an add-on.
- Property types: Standard policies don't fully cover specialized belongings such as tools, electronics, or certain rental property features like pools. Look for insurers that offer add-ons tailored to these items.
How Does Renters Insurance Coverage Work?
Renters insurance covers damage to your property, liability to others and loss of use from your rental home. You can enhance your policy by adding supplementary benefits like:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Pays for belongings that are stolen or damaged, up to your policy limit. Actual cash value pays the depreciated amount, while replacement cost coverage pays for brand-new items. | |
Standard | Provides financial protection if a guest is injured in your rental. This includes medical bills and legal costs, and most landlords ask for at least $100,000 in liability coverage. | |
Additional living expenses | Standard | Helps with hotel stays, meals and transportation when your rental becomes uninhabitable after a covered event. This may be a percentage of your personal property limit or a fixed amount. |
Natural disasters | Add-on | Separate flood and earthquake policies handle damage that standard renters insurance doesn't include. |
Parts/Equipment | Add-on | Offers protection for tools, appliances and equipment you personally own, excluding items that come with the rental. |
Scheduled property | Add-on | Extends coverage for high-value items such as jewelry, musical instruments or cameras when standard limits fall short. |
Identity theft | Add-on | Includes reimbursement for stolen funds and helps cover legal costs involved in restoring your identity. |
Pet liability | Add-on | Adds protection if your pet injures someone or damages property while in your rental. Some carriers include a small amount of pet liability in standard policies. |
Modifications | Add-on | Addresses improvements you make to the rental, such as built-in shelving or upgraded fixtures. |
Food loss | Add-on | Handles reimbursement for spoiled groceries when a covered event causes your refrigerator to fail. |
Best Renters Insurance in New Hampshire: Bottom Line
The best and cheapest overall renters insurance company in New Hampshire is Amica. While we recommend this option, you should research and compare multiple companies and quotes to get the best deal.
Renters Insurance in New Hampshire: FAQ
Here are answers from our experts to common questions:
What is the cheapest renters insurance company in New Hampshire?
Amica offers the cheapest renters insurance in New Hampshire, with an average annual premium of $125 or $10 per month.
What is the best renters insurance company in New Hampshire?
Amica is the best renters insurance company in New Hampshire, with a MoneyGeek score of 98 out of 100 due to its excellent affordability, customer satisfaction and coverage options.
How much does renters insurance cost in New Hampshire?
The average cost of renters insurance in New Hampshire is $180 per year or $15 per month, 26% lower than the national average. Annual premiums range from $125 to $384.
Is renters insurance required in New Hampshire?
New Hampshire doesn't legally require renters insurance, but your landlord might ask for it. Consider your needs and situation to decide if a policy is right for you. Reasons to get renters insurance include financial protection from common risks and liability for third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To find the cheapest renters insurance in New Hampshire, we used this base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
We used this to determine our affordability score for the state (60% of the score).
Other parts of our score included:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed May 1, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed May 1, 2025.
- U.S. News. "Low Property Crime Rate." Accessed May 1, 2025.