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 $874 per year for dwelling coverage of $200,000 and $1,173 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 rateAverage monthly rate

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

Cheapest homeowners insurance companies in Keene

Price is an important consideration when shopping for home insurance, and the cost of home insurance in Keene varies a lot by company. While rates matter, it’s also important to look at each company’s reputation before you buy.

According to an analysis, Amica Mutual is the cheapest home insurance company in Keene with an average annual rate of $772. The following table shows the cheapest home insurance companies in Keene.

Company nameAverage annual cost
Amica Mutual$772
Vermont Mutual$803
State Farm$1,143
MMG Insurance$1,835

Homeowners insurance cost in Keene by credit score

Homeowners with poor credit scores pay more for home insurance every year. 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 $945; that's $1,580 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 scoreAverage annual cost

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. There are a few different types of discounts that companies offer.

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 $194 a year.

Loyalty discount:

Staying with the same insurance company can earn you a loyalty discount, which could save you around $87 annually on your home insurance in Keene.

Security equipment discounts:

Apart from bundling and loyalty 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:

Besides, on If you buy new construction, you can get cheaper rates by insuring a newly constructed home, policyholders can get a new home discount of $442 a year on average. Make sure you get all the discounts for which you are eligible to trim your Keene homeowners insurance cost.

Methodology compared homeowners insurance rates in 2022 provided by Quadrant Information Services for around 29,000 cities in all states including Washington D.C for $300,000 property damage coverage with a $1,000 deductible and $100,000 liability coverage. The rates were analyzed for almost 34,000 ZIP codes for those with good credit ratings. Content has been updated in 2023.

Compare homeowners insurance rates by city in New Hampshire