Amica Mutual is the best homeowners insurance company in New Hampshire, based on a 2023 analysis by Insurance.com, with an overall rating of 4.81. Auto-Owners is the second-best home insurance company in New Hampshire, with an overall rating of 4.63.
Amica Mutual also offers the cheapest home insurance in New Hampshire at $791 a year.
With so many options out there, it is not easy to choose a homeowners insurance company in New Hampshire. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, read on.
- The average cost of homeowners insurance in New Hampshire is $1,144 a year or $95 a month.
- The cheapest homeowners insurance company in New Hampshire is Amica, which offers home insurance at an average of $791 a year.
- Amica ranked as the best insurance company in New Hampshire based on rates, complaints, and financial stability.
Average home insurance cost in New Hampshire
The average cost of homeowners insurance in New Hampshire is $1,144 a year or $95 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
- 2% hurricane deductible
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different New Hampshire homeowners insurance companies to get the best deal.
Best home insurance companies in New Hampshire
The best home insurance company in New Hampshire for 2023 is Amica, followed by Auto-Owners and Vermont Mutual.
Below is a full list of the top New Hampshire insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Amica Mutual | A+ | $ 791 | 0.26 | 4.81 |
| Auto-Owners | A++ | $ 1,073 | 0.19 | 4.63 |
| Vermont Mutual | A | $ 847 | 0.51 | 4.45 |
| USAA | A++ | $ 1,253 | 0.41 | 4.27 |
| Farmers | A | $ 1,080 | 0.33 | 4.24 |
| State Farm | A++ | $ 1,210 | 1.07 | 3.95 |
| Nationwide | A+ | $ 1,453 | 0.75 | 3.67 |
| Allstate | A+ | $ 1,080 | 2.04 | 3.42 |
*USAA only provides coverage to military members, veterans and their families.
Cheapest home insurance companies in New Hampshire
Below are New Hampshire home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Amica has the most affordable rates in every category
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Amica Mutual | $ 598 | $ 791 | $ 1,006 | $ 1,231 | $ 1,445 |
| Vermont Mutual | $ 701 | $ 847 | $ 1,012 | $ 1,176 | $ 1,340 |
| Auto-Owners | $ 859 | $ 1,073 | $ 1,316 | $ 1,566 | $ 1,784 |
| Allstate | $ 796 | $ 1,080 | $ 1,415 | $ 1,647 | $ 1,874 |
| Farmers | $ 820 | $ 1,080 | $ 1,341 | $ 1,617 | $ 1,959 |
| State Farm | $ 934 | $ 1,210 | $ 1,423 | $ 1,718 | $ 1,976 |
| USAA | $ 913 | $ 1,253 | $ 1,572 | $ 1,874 | $ 2,147 |
| Nationwide | $ 1,084 | $ 1,453 | $ 1,830 | $ 2,223 | $ 2,623 |
| MMG Insurance | $ 1,306 | $ 1,863 | $ 2,424 | $ 2,985 | $ 3,546 |
*USAA only provides coverage to military members, veterans and their families.
New Hampshire home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in New Hampshire to see which areas are the most and least expensive.
The most expensive ZIP codes in New Hampshire for home insurance
New Hampshire homeowners insurance rates are the most expensive for ZIP code 03870 with an average annual cost of $1,567.
The most expensive ZIP codes in New Hampshire are:
| ZIP code | Average annual rates |
|---|---|
| 3870 | $ 1,567 |
| 3874 | $ 1,538 |
| 3862 | $ 1,351 |
| 3842 | $ 1,305 |
| 3854 | $ 1,284 |
| 3871 | $ 1,275 |
The least expensive ZIP codes in New Hampshire for home insurance
The cheapest ZIP codes for home insurance in New Hampshire are:
| ZIP code | Average annual rates |
|---|---|
| 3060 | $ 1,139 |
| 3062 | $ 1,142 |
| 3440 | $ 1,144 |
| 3063 | $ 1,144 |
| 3110 | $ 1,145 |
| 3054 | $ 1,146 |
