The MFP’s Community Home Insurance Survey uses New Hampshire homeowners opinions and recommendations for home insurers, agents, and brokers they use. We also display premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance is not always easy and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from New Hampshire’s Own Homeowners >>
- New Hampshire Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in New Hampshire
- Best Home Insurance Discounts in New Hampshire
- How to Find the Best Cheap Home Insurance in New Hampshire
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in New Hampshire?
- Extra Coverage Options in New Hampshire
- FAQ: Home Insurance in New Hampshire
New Hampshire Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in New Hampshire are Amica, USAA, and State Farm.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| Amica | 5 | 5 | 4 | 4 | 95% |
| USAA | 4 | 5 | 5 | 5 | 93% |
| State Farm | 4 | 4 | 4 | 4 | 90% |
| Travelers | 4 | 4 | 4 | 4 | 88% |
| Allstate | 4 | 3 | 3 | 3 | 85% |
| Liberty Mutual | 3 | 3 | 4 | 3 | 82% |
| Nationwide | 3 | 3 | 3 | 3 | 80% |
| Chubb | 5 | 4 | 2 | 3 | 78% |
| Concord Group | 3 | 3 | 3 | 3 | 75% |
| Vermont Mutual | 3 | 3 | 3 | 3 | 72% |
New Hampshire average home insurance for a $1,000 deductible:
- New Hampshire average premiums for a $300K Home is $1,042 (while it’s $1,568 nationally).
- New Hampshire average premiums for a $400K Home is $1,387. It’s $2,088 nationally.
- New Hampshire average premiums for a $600K Home is $1,905 (and it’s $2,906 nationally).
Best Insurance in New Hampshire
Manchester, Nashua , Concord, Dover, Rochester, Keene, Portsmouth, Laconia
Recommendations are gathered from 2,786 local New Hampshire members who requested a quote(s), filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for New Hampshire Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
New Hampshire Mortgage & Rates
New Hampshire Best Mortgage Lenders from Community Recommendations
New Hampshire Best Refinance Lenders from Community Recommendations
More Resources for New Hampshire Homeowners.
Manchester Home Insurance Cost
Compare Manchester 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Manchester, the average annual insurance cost for a $300K home with a $500 deductible is $1,215. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Manchester for a $300K home.
Manchester’s $600K home insurance cost is 14.9% higher than the New Hampshire average of $1,974. The Manchester average annual cost for a $600K home with a $500 deductible is $2,269.
In Manchester, the average annual cost for a $800K Home with a $500 deductible is $2,836. Its cost is 1.4% higher than the New Hampshire average of $2,798.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $588 | $545 | $512 | $490 | $409 | $378 |
| $200K Home | $885 | $819 | $771 | $738 | $615 | $568 |
| $300K Home | $1,215 | $1,125 | $1,058 | $1,013 | $844 | $780 |
| $400K Home | $1,614 | $1,494 | $1,405 | $1,346 | $1,121 | $1,036 |
| $600K Home | $2,269 | $2,101 | $1,976 | $1,892 | $1,576 | $1,457 |
| $800K Home | $2,836 | $2,626 | $2,470 | $2,365 | $1,970 | $1,821 |
| $1M Home | $3,290 | $3,046 | $2,865 | $2,743 | $2,285 | $2,112 |
Manchester Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Manchester’s area are Amica, State Farm, and Allstate.
- Amica (85%): Homeowners praise their comprehensive coverage options and low average premiums
- State Farm (78%): Members appreciate the customizable policies and local agent availability
- Allstate (72%): Users highlight the various optional coverages and discount opportunities
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 4.5 | 4 | 4.5 | 85% |
| State Farm | Agents | 4.5 | 4 | 4 | 4 | 78% |
| Allstate | Agents | 4.5 | 4 | 3.5 | 3.5 | 72% |
| Travelers | Agents | 4 | 3.5 | 3.5 | 3.5 | 68% |
| USAA | Insurer | 5 | 4.5 | 4 | 4.5 | 90% |
See also:
Manchester Best Refinance Lenders
Manchester Best Home Loan Lenders
Nashua Home Insurance Cost
Compare Nashua 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
Nashua average annual cost for a $300K home with a $500 deductible is $1,179. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Nashua for a $300K home.
Nashua’s $600K home insurance cost is 11.9% higher than the New Hampshire average of $1,974. The Nashua average annual cost for a $600K home with a $500 deductible is $2,208.
In Nashua, the average annual cost for a $800K Home with a $500 deductible is $2,760. Its cost is 1.4% lower than the New Hampshire average of $2,798.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $578 | $535 | $503 | $482 | $402 | $359 |
| $200K Home | $874 | $809 | $761 | $729 | $608 | $542 |
| $300K Home | $1,179 | $1,091 | $1,026 | $983 | $820 | $731 |
| $400K Home | $1,584 | $1,465 | $1,378 | $1,320 | $1,101 | $982 |
| $600K Home | $2,208 | $2,043 | $1,922 | $1,841 | $1,536 | $1,369 |
| $800K Home | $2,760 | $2,554 | $2,402 | $2,302 | $1,920 | $1,712 |
| $1M Home | $3,202 | $2,963 | $2,786 | $2,669 | $2,227 | $1,985 |
Nashua Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Nashua’s area are Amica, Vermont Mutual, and The Insurance Outlet.
- Amica (83%): Members value their Platinum Choice policy and various discount opportunities
- Vermont Mutual (75%): Homeowners appreciate their affordable rates and responsive service
- The Insurance Outlet (70%): Users praise their local expertise and multiple carrier options
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 4.5 | 4 | 4.5 | 83% |
| Vermont Mutual | Insurer | 4 | 4 | 4 | 4.5 | 75% |
| The Insurance Outlet | Broker | 4.5 | 4 | 4 | 4 | 70% |
| State Farm | Agents | 4 | 4 | 3.5 | 4 | 68% |
| Allstate | Agents | 4 | 3.5 | 3.5 | 3.5 | 65% |
See also:
Concord Home Insurance Cost
Compare Concord 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Concord, the average annual insurance cost for a $300K home with a $500 deductible is $1,057. Choosing a $2,000 deductible instead of $500 can lower annual cost by 11.8% in Concord for a $300K home.
Concord’s $600K home insurance cost is 0.3% lower than the New Hampshire average of $1,974. The Concord average annual cost for a $600K home with a $500 deductible is $1,968.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $520 | $509 | $479 | $459 | $383 |
| $200K Home | $785 | $769 | $723 | $692 | $579 |
| $300K Home | $1,057 | $1,035 | $973 | $932 | $779 |
| $400K Home | $1,416 | $1,386 | $1,303 | $1,248 | $1,043 |
| $600K Home | $1,968 | $1,927 | $1,812 | $1,736 | $1,451 |
Concord Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Concord’s area are Amica, USAA, and State Farm.
- Amica (84%): Homeowners highlight their comprehensive coverage and low premiums
- USAA (88%): Members appreciate the military-focused benefits and identity theft protection
- State Farm (76%): Users value the inflation coverage and local agent availability
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 4.5 | 4.5 | 4.5 | 88% |
| Amica | Insurer | 5 | 4.5 | 4 | 4.5 | 84% |
| State Farm | Agents | 4.5 | 4 | 4 | 4 | 76% |
| Travelers | Agents | 4 | 4 | 3.5 | 4 | 72% |
| Allstate | Agents | 4 | 3.5 | 3.5 | 3.5 | 68% |
See also:
Concord Best Refinance Lenders
Concord Best Home Loan Lenders
Dover Home Insurance Cost
Compare Dover 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Dover, the average annual insurance cost for a $300K home with a $500 deductible is $1,042. Choosing a $2,000 deductible instead of $500 can lower annual cost by 11.5% in Dover for a $300K home.
Dover’s $600K home insurance cost is 4.0% lower than the New Hampshire average of $1,974. The Dover average annual cost for a $600K home with a $500 deductible is $1,896.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $518 | $509 | $478 | $458 | $382 |
| $200K Home | $774 | $761 | $715 | $685 | $572 |
| $300K Home | $1,042 | $1,024 | $962 | $922 | $770 |
| $400K Home | $1,367 | $1,344 | $1,262 | $1,210 | $1,010 |
| $600K Home | $1,896 | $1,863 | $1,750 | $1,678 | $1,401 |
Dover Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Dover’s area are Amica, The Insurance Outlet, and Vermont Mutual.
- Amica (82%): Members appreciate their additional dwelling replacement coverage
- The Insurance Outlet (75%): Homeowners value their local knowledge and multiple carrier options
- Vermont Mutual (70%): Users highlight their affordable rates and responsive claims service
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 4.5 | 4 | 4.5 | 82% |
| The Insurance Outlet | Broker | 4.5 | 4 | 4 | 4 | 75% |
| Vermont Mutual | Insurer | 4 | 4 | 4 | 4.5 | 70% |
| State Farm | Agents | 4 | 4 | 3.5 | 4 | 68% |
| Travelers | Agents | 4 | 3.5 | 3.5 | 3.5 | 65% |
See also:
Rochester Home Insurance Cost
Compare Rochester 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Rochester, the average annual insurance cost for a $300K home with a $500 deductible is $1,013. Choosing a $2,000 deductible instead of $500 can lower annual cost by 10.0% in Rochester for a $300K home.
Rochester’s $600K home insurance cost is 7.5% lower than the New Hampshire average of $1,974. The Rochester average annual cost for a $600K home with a $500 deductible is $1,825.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $507 | $507 | $477 | $456 | $380 |
| $200K Home | $756 | $756 | $711 | $681 | $567 |
| $300K Home | $1,013 | $1,013 | $953 | $912 | $760 |
| $400K Home | $1,350 | $1,350 | $1,270 | $1,215 | $1,013 |
| $600K Home | $1,825 | $1,825 | $1,717 | $1,643 | $1,369 |
Rochester Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Rochester’s area are Amica, State Farm, and The Insurance Outlet.
- Amica (83%): Homeowners praise their comprehensive winter storm coverage
- State Farm (77%): Members value the customizable policies and inflation coverage
- The Insurance Outlet (72%): Users appreciate their local expertise in lake region risks
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Amica | Insurer | 5 | 4.5 | 4 | 4.5 | 83% |
| State Farm | Agents | 4.5 | 4 | 4 | 4 | 77% |
| The Insurance Outlet | Broker | 4.5 | 4 | 4 | 4 | 72% |
| USAA | Insurer | 5 | 4.5 | 4 | 4.5 | 85% |
| Allstate | Agents | 4 | 3.5 | 3.5 | 3.5 | 67% |
See also:
Rochester Best Refinance Lenders
Rochester Best Home Loan Lenders
Portsmouth Home Insurance Cost
Compare Portsmouth 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Portsmouth, the average annual insurance cost for a $300K home with a $500 deductible is $1,123. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.1% in Portsmouth for a $300K home.
Portsmouth’s $600K home insurance cost is 2.4% higher than the New Hampshire average of $1,974. The Portsmouth average annual cost for a $600K home with a $500 deductible is $2,022.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $552 | $520 | $489 | $469 | $390 |
| $200K Home | $828 | $780 | $733 | $702 | $585 |
| $300K Home | $1,123 | $1,058 | $995 | $953 | $794 |
| $400K Home | $1,497 | $1,410 | $1,326 | $1,270 | $1,058 |
| $600K Home | $2,022 | $1,905 | $1,791 | $1,716 | $1,429 |
Portsmouth Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Portsmouth’s area are Amica, USAA, and The Insurance Outlet.
- Amica (85%): Members highlight their comprehensive coastal property coverage
- USAA (87%): Homeowners appreciate the military-focused benefits and claims service
- The Insurance Outlet (73%): Users value their local expertise and multiple carrier options
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 4.5 | 4.5 | 4.5 | 87% |
| Amica | Insurer | 5 | 4.5 | 4 | 4.5 | 85% |
| The Insurance Outlet | Broker | 4.5 | 4 | 4 | 4 | 73% |
| State Farm | Agents | 4.5 | 4 | 4 | 4 | 70% |
| Vermont Mutual | Insurer | 4 | 4 | 4 | 4.5 | 68% |
See also:
Portsmouth Best Refinance Lenders
Portsmouth Best Home Loan Lenders
Laconia Home Insurance Cost
Compare Laconia 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Laconia, the average annual insurance cost for a $300K home with a $500 deductible is $1,015. Choosing a $2,000 deductible instead of $500 can lower annual cost by 11.2% in Laconia for a $300K home.
Laconia’s $600K home insurance cost is 7.6% lower than the New Hampshire average of $1,974. The Laconia average annual cost for a $600K home with a $500 deductible is $1,823.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $503 | $496 | $467 | $447 | $372 |
| $200K Home | $753 | $743 | $698 | $669 | $557 |
| $300K Home | $1,015 | $1,001 | $941 | $901 | $751 |
| $400K Home | $1,349 | $1,331 | $1,251 | $1,198 | $998 |
| $600K Home | $1,823 | $1,798 | $1,690 | $1,618 | $1,349 |
Laconia Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Laconia’s area are The Insurance Outlet, Amica, and Vermont Mutual.
- The Insurance Outlet (86%): Homeowners praise their local lakes region expertise
- Amica (82%): Members value their comprehensive coverage and discount options
- Vermont Mutual (75%): Users highlight their affordable rates and responsive service
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| The Insurance Outlet | Broker | 4.5 | 4.5 | 4.5 | 4 | 86% |
| Amica | Insurer | 5 | 4.5 | 4 | 4.5 | 82% |
| Vermont Mutual | Insurer | 4 | 4 | 4 | 4.5 | 75% |
| USAA | Insurer | 5 | 4.5 | 4 | 4.5 | 83% |
| State Farm | Agents | 4.5 | 4 | 4 | 4 | 70% |
See also:
Laconia Best Refinance Lenders
Laconia Best Home Loan Lenders
Biggest Home Insurance Cost Factors in New Hampshire
Weather Risks
New Hampshire experiences a mix of weather risks that influence home insurance costs significantly. Winters can be harsh, with heavy snowstorms and ice buildup that increase the likelihood of roof damage, frozen pipes, and water intrusion. The state also faces risks from occasional severe storms and flooding, especially near rivers and low-lying areas like around Concord and Manchester.
Insurance companies factor in these regional weather patterns, so homes in flood-prone areas or those exposed to frequent ice damage often have higher premiums.
Home Construction Age
The age of a home is a key driver of insurance costs in New Hampshire. Older homes tend to have higher premiums due to outdated wiring, plumbing, and roofing materials that increase risk of damage or claim. Conversely, newer homes built to modern codes and standards are often cheaper to insure.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 20% to 30% less |
| 6–10 years | 10% to 15% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 20% more |
| 31–40 years | 30% to 45% more |
| 41–60 years | 50% to 70% more |
| 60+ years | 80% to 110% more |
In New Hampshire, this scale reflects the typical increased risk from older homes, especially those built before stricter building codes were implemented in the 1970s. The cold climate also accelerates wear and tear, particularly on roofs and plumbing, which raises costs for homes over 30 years old.
Your Credit Score
Insurance companies in New Hampshire consider credit scores as part of their risk assessment. Homeowners with higher credit scores typically receive lower premiums because they are statistically less likely to file claims.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 15% to 25% more |
| Average | 30% to 50% more |
| Poor | 80% to 150% more |
New Hampshire’s insurers tend to weigh credit heavily due to limited wildfire risks but significant winter weather claims. Maintaining a good credit score can substantially reduce home insurance costs in cities like Nashua and Portsmouth.
Location Within New Hampshire
Location is a strong factor for home insurance pricing in New Hampshire. Coastal towns such as Portsmouth may face higher premiums due to risks from flooding and storms. Urban areas like Manchester and Nashua have more claims related to theft and liability, affecting premiums accordingly. Rural areas may have lower base premiums but sometimes face higher rates due to longer emergency response times.
Construction Type and Materials
Homes built with fire-resistant materials or updated electrical and plumbing systems often qualify for lower insurance premiums. In New Hampshire, wood-frame homes are common but can be costlier to insure than homes with brick or masonry elements due to fire risk. Insurers also consider roof type; metal roofs often reduce premiums because of their durability against snow and ice.
Claims History
A homeowner’s claims history in New Hampshire can influence their premium costs. Those with frequent claims in recent years may face higher rates, as insurers view them as higher risk. It’s beneficial to maintain a clean claims record to keep costs down.
Deductible Amount
Choosing a higher deductible generally lowers premiums but increases out-of-pocket expenses in the event of a claim. In New Hampshire, common deductible choices range from $500 to $2,000. Adjusting this balance according to financial comfort can help manage insurance costs effectively.
Best Home Insurance Discounts in New Hampshire
Homeowners in New Hampshire can benefit from various insurance discounts, including:
- Multi-policy Discount: Bundling home and auto insurance often reduces overall costs.
- New Home Discount: Newer homes usually get better rates due to updated safety features.
- Home Security Systems: Installing alarms and monitoring systems can qualify for discounts.
- Claims-Free Discount: A history without insurance claims can lower premiums.
- Renovation and Upgrade Discounts: Improvements like new roofs or plumbing can reduce risk and premiums.
How to Find the Best Cheap Home Insurance in NH?
To find the cheapest home insurance in New Hampshire, homeowners should shop around and compare quotes from multiple insurers, focusing on coverage details and exclusions, not just price. While cost is important, the cheapest policy may lack adequate coverage or have high deductibles, which can be costly in the long run. Checking for discounts, maintaining a good credit score, and choosing a home with up-to-date safety features can also help reduce costs.
7 Ways to Reduce Your Home Insurance Cost in NH
- Bundle your home and auto insurance policies.
- Increase your deductible to lower premiums.
- Install home security and fire prevention systems.
- Maintain a strong credit score.
- Perform regular home maintenance and upgrades.
- Shop and compare multiple insurance quotes annually.
- Ask insurers about available discounts.
What Does Home Insurance Cover in the State?
Home insurance in New Hampshire typically covers damage to the home caused by fire, windstorms, hail, lightning, and other covered perils. It also provides liability protection if someone is injured on your property and covers personal belongings inside the home. Some policies include additional living expenses if the home becomes uninhabitable due to a covered loss.
Extra Home Coverage in New Hampshire
Extra coverage options in New Hampshire include:
- Flood Insurance: Not typically included in standard policies, recommended for homes near rivers, lakes, or the coast.
- Earthquake Insurance: Generally not needed due to low seismic activity but available for concerned homeowners.
- Umbrella Liability Policies: For additional liability protection beyond standard limits.
- Equipment Breakdown Coverage: Protects against appliance or HVAC system failures.
Homeowners should consider extra coverage if they live in flood-prone or high-value areas or want extra protection beyond the basics.
FAQ: New Hampshire Home Insurance
What affects home insurance premiums most in New Hampshire?
Weather risks like snow and flooding, home age, credit score, and location within the state are the main factors.
Is flood insurance included in standard policies?
No, flood insurance is typically separate and recommended for homes in flood-prone areas.
Can I get discounts for installing security systems?
Yes, many insurers offer discounts for smoke detectors, alarms, and monitored security systems.
How can I lower my home insurance cost?
Bundling policies, increasing deductibles, maintaining good credit, and upgrading your home can help reduce costs.
Do older homes cost more to insure?
Generally yes, because older homes have more risks related to construction and maintenance.