Homeowners insurance in Keene, NH

How much is home insurance in Keene, NH?

The average cost of homeowners insurance in Keene varies depending on the coverage level you choose. Homeowners insurance costs $927 per year for dwelling coverage of $200,000 and $1,194 for $300,000 of dwelling coverage.

Below are the average annual and monthly Keene home insurance rates for different amounts of dwelling coverage.

Coverage level (Dwelling)	Average annual rate	Average monthly rate
$200,000	$927	$77
$300,000	$1,194	$100
$400,000	$1,456	$121
$600,000	$2,000	$167
$1,000,000	$3,033	$253

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Note: For the above rates, the deductible amount is $1,000 and liability protection is $100,000.

Home insurance rates in Keene by deductible

Home insurance rates in Keene vary based on the deductible you choose. If you pick a higher deductible, your monthly insurance premium will be lower, while a lower deductible, means lower premiums because the insurance company will pay more if you file a claim, and the odds of you filing a smaller claim are higher.

The table below lists the home insurance rates by deductible in Keene.

Deductible	Company	Average annual premium	Average monthly premium
$1,000	Amica Mutual	$772	$64
$1,000	Vermont Mutual	$803	$67
$1,000	Allstate	$1,030	$86
$1,000	Farmers Insurance	$1,033	$86
$1,000	Auto-Owners	$1,047	$87
$1,000	State Farm	$1,143	$95
$1,000	Nationwide	$1,399	$117
$1,000	MMG Insurance	$1,881	$157
$500	Amica Mutual	$809	$67
$500	Vermont Mutual	$909	$76
$500	Allstate	$1,094	$91
$500	Farmers Insurance	$1,168	$97
$500	Auto-Owners	$1,177	$98
$500	State Farm	$1,261	$105
$500	MMG Insurance	$2,172	$181
$2,000	Amica Mutual	$715	$60
$2,000	Vermont Mutual	$751	$63
$2,000	Allstate	$946	$79
$2,000	Farmers Insurance	$960	$80
$2,000	Auto-Owners	$982	$82
$2,000	State Farm	$1,023	$85
$2,000	Nationwide	$1,234	$103
$2,000	MMG Insurance	$1,630	$136
$2,500	Amica Mutual	$692	$58
$2,500	Vermont Mutual	$751	$63
$2,500	Allstate	$872	$73
$2,500	Farmers Insurance	$960	$80
$2,500	Auto-Owners	$982	$82
$2,500	State Farm	$1,023	$85
$2,500	Nationwide	$1,234	$103
$2,500	MMG Insurance	$1,630	$136
$3,000	Amica Mutual	$692	$58
$3,000	Vermont Mutual	$751	$63
$3,000	Allstate	$872	$73
$3,000	Farmers Insurance	$960	$80
$3,000	Auto-Owners	$982	$82
$3,000	State Farm	$985	$82
$3,000	Nationwide	$1,234	$103
$3,000	MMG Insurance	$1,630	$136
$4,000	Amica Mutual	$590	$49
$4,000	Vermont Mutual	$698	$58
$4,000	Allstate	$770	$64
$4,000	State Farm	$904	$75
$4,000	Auto-Owners	$946	$79
$4,000	Farmers Insurance	$960	$80
$4,000	Nationwide	$1,062	$89
$4,000	MMG Insurance	$1,492	$124
$5,000	Amica Mutual	$590	$49
$5,000	Vermont Mutual	$698	$58
$5,000	Allstate	$770	$64
$5,000	State Farm	$904	$75
$5,000	Auto-Owners	$946	$79
$5,000	Farmers Insurance	$960	$80
$5,000	Nationwide	$1,062	$89
$5,000	MMG Insurance	$1,492	$124
$1,000	USAA	$1,250	$104
$500	USAA	$1,353	$113
$2,000	USAA	$1,086	$91
$2,500	USAA	$1,086	$91
$3,000	USAA	$975	$81
$4,000	USAA	$896	$75
$5,000	USAA	$896	$75

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Cheapest homeowners insurance companies in Keene

According to our analysis, Amica Mutual is the most affordable home insurance provider in Keene, with an average yearly cost of $593.

Price is a big factor when choosing home insurance, and costs in Keene can vary a lot between companies. While saving money is important, it’s also a good idea to consider each company's reputation before making a decision.

The table below lists the cheapest home insurance companies in Keene.

Company	Average annual cost
Amica Mutual	$593
Vermont Mutual	$599
Allstate	$610
Farmers	$764
Auto-Owners	$837
State Farm	$865
Nationwide	$1,189
MMG Insurance	$1,304
Plymouth Rock Assurance	$1,384
USAA	$976

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Homeowners insurance cost in Keene by credit rating

Insurance companies in Keene can use credit information as one of the factors affecting the cost of your policy.

The average home insurance cost for homeowners with an excellent credit score is $773; that’s $1,021 less expensive than the average cost of the same insurance for policyholders with a poor credit score. The table below shows the average annual insurance cost for homeowners with different credit levels.

Credit score	Average annual cost
Excellent	$773
Fair	$1,124
Good	$927
Poor	$1,794

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How can you save on homeowners insurance in Keene?

If you’re looking to save on your homeowners insurance, the best way is comparing quotes from multiple insurers. Homeowners insurance companies offer a variety of different discounts to help you lower insurance costs. Here are a few common ones.

Home and auto bundle discount (multi-policy)

One of the easiest ways to get cheaper home insurance in Keene is the multi-policy discount, also known as bundling. If you purchase your home and auto insurance from the same company, you can save an average of $125 a year.

“It’s not always the better option, but more times than not it is because if you bundle usually, you get a 10-20% discount on both policies,” says Josiah Hatch, owner and CEO at Bender Hatch Insurance in Boston.

Loyalty discount

Staying with the same insurance company can earn you a loyalty discount, which could save you around $88 annually on your home insurance in Keene.

Security equipment discounts

Insurance companies offer discounts to homeowners for installing safety and security equipment, like a fire alarm or burglar alarm. If you install a fire alarm at your home, you can get a discount of $27 a year on average from your insurer.

New home discount

If you buy new construction, you can get a new home discount of $443 a year on average in Keene.

Methodology

Insurance.com compared homeowners insurance rates provided by Quadrant Information Services in 2023 for around 29,000 cities in all states and Washington D.C for $200,000 and $300,000 in dwelling coverage with $100,000 in liability and a $1,000 deductible. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2024.