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A well-made home is a great investment, and one of the best ways to protect that investment is by purchasing the right homeowners insurance policy.

AIG tops the list of best homeowners insurance companies in New Hampshire. It has earned 830 scores out of 1000 from J.D. Power. Whereas Concord is one of the cheapest homeowners insurance companies, its average annual premium is $955.

With all these different options, it's no wonder that many people are left feeling confused. But don't worry, we have got you covered. In this guide, you will find everything you need to know about New Hampshire home insurance companies.

Along with the best home insurance companies, you will also find a list of the least and most expensive ZIP codes for New Hampshire homeowners. All this information will help you find affordable homeowners insurance.

Best home insurance companies in New Hampshire

If you're looking for the best homeowners insurance company in New Hampshire, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in New Hampshire:

  • AIG
  • USAA
  • Allstate
  • Progressive
  • Hartford

Compare best homeowners insurance companies in New Hampshire

There are many great home insurance carriers in New Hampshire, but not all of them offer the same home insurance coverage options and affordable home insurance premiums. We have compared rates from top insurance providers and selected the best homeowners insurance companies for you based on Insurance.com's analysis. These leading providers offer competitive prices and provide excellent customer service, also you can find their J.D Power scores and A.M Best ratings in the table below.

CompanyOverall ratingJ.D. Power scoreAM Best rating
AIG4830 -
USAA3882A++
Allstate3829A+
Progressive3821A+
Hartford3798A+
Liberty Mutual2806A

Average cost of homeowners insurance in New Hampshire

The average home insurance rate in New Hampshire is $1,455 a year, or $121 a month-- $850 less than the national average ($2,305).

Many factors go into determining the home insurance costs in New Hampshire. ZIP code, home's size, and construction, and the amount of insurance coverage you need are some of the factors that an insurance company takes into account when calculating your average home insurance premium.

Average annual premiumAverage monthly premium
$1,455$121

10 Most expensive zip codes in New Hampshire for homeowners insurance

Factors like your home's value, local crime rate, and weather risks such as floods affect your home insurance rates in New Hampshire. If you live in an area with high crime rates or your area is at risk of severe weather conditions, then your insurance rates may be high.

For instance, the most expensive ZIP code for homeowners insurance in New Hampshire is 3874, its average insurance rate is $1,190.

We have compared rates from major New Hampshire homeowners insurance companies across all the ZIP codes and put together a list of the 10 most expensive ZIP codes in New Hampshire.

ZIP codeAverage annual rate
3874$1,190
3870$1,153
3862$1,147
3844$1,101
3871$1,098
3842$1,090
3854$1,080
3588$1,063
3576$1,062
3813$1,060

10 Least expensive zip codes in New Hampshire for homeowners insurance

Insurance companies use different factors to determine your home insurance rate, one of them is the place where you live. That's why prices vary greatly based on the ZIP code for any given area.

The least expensive ZIP code for home insurance in New Hampshire is 3062; its average insurance rate is $971--- $484 less than the state average.

Below are the ten least expensive ZIP codes in New Hampshire for homeowners insurance, based on Insurance.com's rate analysis.

ZIP codeAverage annual rate
3062$971
3063$973
3060$975
3064$978
3103$989
3101$992
3110$998
3054$999
3052$1,002
3051$1,003

Cheap homeowners insurance in New Hampshire

Concord, Safeco, and Travco are the top three companies that offer cheap homeowners insurance policies in New Hampshire. This data is collected from major insurers for nearly every ZIP code in the state and averaged by coverage level and company.

The first thing to know about home insurance is that it's different for every homeowner. Your home insurance premium depends on factors like the construction materials used in your house, its age and location, etc. Therefore, it's important to compare homeowners insurance costs from different insurers before making a decision. Comparison shopping can help you save hundreds of dollars annually.

Below are the cheapest home insurance companies along with their average annual premium.

Company nameAverage annual premium
Concord$955
Safeco$1,006
Travco$1,008
Travelers$1,032
Allstate$1,109
Farmers$1,126
Nationwide$1,143
Amica$1,262
USAA$1,598
Garrison$1,791
State Farm$1,803
Liberty$3,378

Home and auto bundle discounts in New Hampshire

One of the best ways to save on your homeowners insurance cost is by bundling home-auto insurance policies. If you purchase your auto and home insurance policies from the same company, you can save an average of $244 a year or 21%, based on Insurance.com's rate analysis.

Know-how major carriers in New Hampshire compare when it comes to home-auto bundle discount savings in the table below.

Company$ Bundle average saving% Bundle average saving
Nationwide$45933%
Massachusetts$39528%
State Farm$37233%
Allstate$32031%
Metropolitan$25926%
MMG$24213%
Amica$22620%
Concord Gen$16916%
MT WA Assur Corp$15018%
USAA$12110%
Travelers$1079%
Vermont$10212%