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Condo insurance isn’t required by law in New Hampshire, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in New Hampshire, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in New Hampshire with average annual rates.

Key takeaways

  • The residents of New Hampshire pay an average of $460 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by Insurance.com, Amica Mutual is the top pick for the best condo insurance company in New Hampshire.
  • Vermont Mutual offers the cheapest condo insurance in New Hampshire at an average of $252 per year.

Best condo insurance companies in New Hampshire

In New Hampshire, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction ratings of major insurers in New Hampshire. Below are the best condo insurance companies in New Hampshire based on Insurance.com’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
Amica Mutual849A+
4.0
USAA884A++
3.8
Auto-Owners825A++
3.8
Allstate815A+
3.5
Nationwide816A+
3.3
State Farm829A++
3.1
Farmers792A
3.0

Average cost of condo insurance in New Hampshire

The average cost of condo insurance in New Hampshire is $460 a year or $38 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average Annual PremiumAverage Monthly Premium
$460$38

CONDO INSURANCE CALCULATOR

Average condo insurance rates in NEW HAMPSHIRE

$60,000
$1,000
$100,000
3104 - Manchester
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $535

HIGHEST RATE: $1,545 LOWEST RATE: $252

Most & least expensive zip codes for condo insurance in New Hampshire

Most Expensive

Zip CodeCityHighest Rate
03870Rye$626
03874Seabrook Beach$615
03862North Hampton$584
03842Hampton$565

Least Expensive

Zip CodeCityLowest Rate
03062Nashua$523
03064Nashua$525
03060Nashua$525
03063Nashua$526

Condo insurance rates by company in New Hampshire

Rates for condo insurance by company in New Hampshire vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in New Hampshire. The cheapest company for condo insurance in New Hampshire is Vermont Mutual. Farmers, and Amica Mutual, are the second and third cheapest options.

CompanyAverage Annual Rate
Vermont Mutual$252
Farmers$311
Amica Mutual$318
MMG Insurance$331
Allstate$351
Auto-Owners$387
Nationwide$416
State Farm$623
USAA$633

Insurance.com compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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