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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.

KEY TAKEAWAYS
  • 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.

Best home insurance companies in New Hampshire
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
Amica MutualA+$ 7910.264.81
Auto-OwnersA++$ 1,0730.194.63
Vermont MutualA$ 8470.514.45
USAAA++$ 1,2530.414.27
FarmersA$ 1,0800.334.24
State FarmA++$ 1,2101.073.95
NationwideA+$ 1,4530.753.67
AllstateA+$ 1,0802.043.42

*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

Cheapest home insurance rates in New Hampshire by coverage level
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 codeAverage 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 codeAverage annual rates
3060$ 1,139
3062$ 1,142
3440$ 1,144
3063$ 1,144
3110$ 1,145
3054$ 1,146
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