Renters insurance in New Hampshire: Cost, best companies and how to save

What is the average cost of renters insurance in New Hampshire?

The average renters insurance cost in New Hampshire is $160 per year. Rates vary based on factors such as location, coverage amount, deductible, and claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$160
Average monthly premium	$13

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Best renters insurance company in New Hampshire: Vermont Mutual

Among the carriers surveyed, Vermont Mutual is the best renters insurance company in New Hampshire, with a top score and an average renters insurance rate of $101.

Amica Mutual and MMG Insurance are the other best insurance companies for renters insurance in New Hampshire.

Renters insurance rates vary significantly among providers, so you should compare options before choosing. You should also select a company with a good reputation to ensure it will be there if you have a claim.

To help you find the best renters insurance in New Hampshire, we evaluated average rates, NAIC complaints ratio, and AM Best financial ratings. We calculated the total Insurance.com score out of five using these factors.

Here are the best renters insurance companies in New Hampshire.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Vermont Mutual	$101	A+	0.07	5
Amica Mutual	$89	A+	0.23	4.95
MMG Insurance	$150	A	0.61	4.5
State Farm	$151	A++	0.95	3.78
Nationwide	$155	A+	0.87	3.75
Allstate	$160	A+	0.9	3.68
Auto-Owners	$233	A++	0.33	3.66
Farmers	$224	A	0.54	3.38
Plymouth Rock Assurance	$198	A-	1.38	2.72

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Cheapest renters insurance in New Hampshire

Our analysis shows that Amica Mutual is the cheapest renters insurance company in New Hampshire, with an average annual premium of $89.

Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.

Here is the list of the cheapest renters insurance companies in New Hampshire along with their average annual premiums.

Company name	Average annual premium
Amica Mutual	$89
Vermont Mutual	$101
MMG Insurance	$150
State Farm	$151
Nationwide	$155
Allstate	$160
Plymouth Rock Assurance	$198
Farmers	$224
Auto-Owners	$233
USAA	$154

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New Hampshire renters insurance: The least and most expensive ZIP codes

Where you live in New Hampshire directly affects the cost of your renters insurance. The most expensive ZIP code in New Hampshire is 3870, where the average annual premium is $184. This is $24 more than higher than the average rate.

On the other hand, 3609 is the least expensive ZIP code for renters insurance with an average annual premium of $151 a year.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
3870	$184
3862	$183
3874	$181
3871	$180
3844	$177
3854	$176
3801	$176
3032	$172
3101	$170
3855	$167

ZIP code	Average annual rate
3609	$151
3440	$160
3110	$164
3076	$165
3852	$167
3815	$167
3291	$171
3037	$172
3854	$176
3844	$177

Renters insurance cost in New Hampshire by city

Renters insurance rates vary widely across cities in New Hampshire, driven by factors such as weather risks, crime rates, and other factors. To find the best deal in your city, you should consider these factors and compare quotes from multiple insurers before choosing a policy.

City	Annual insurance premium
Claremont	$149
Concord	$152
Dover	$163
Keene	$149
Laconia	$151
Lebanon	$151
Manchester	$164
Nashua	$157
Portsmouth	$168
Rochester	$163

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How to save on renters insurance in New Hampshire

You can lower the cost of renters insurance in New Hampshire in several simple ways without reducing the coverage you need:

Bundle your policies. Many insurers give a discount when you purchase renters and auto insurance together.
Increase your deductible. Selecting a higher deductible lowers your monthly or yearly premium, but you should make sure you can afford it.
Ask about discounts. Many insurance companies offer discounts for having smoke alarms, security systems, or a claims-free history.
Compare quotes. Since prices vary widely between companies, getting quotes from multiple insurers helps you find the best deal.
Pay annually. Some insurers provide a small discount if you make yearly payment instead of paying monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: New Hampshire renters insurance

Do I need renters insurance in New Hampshire?

Renters insurance isn't required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in New Hampshire?

You should make sure your personal property coverage is sufficient to replace all of your belongings at replacement cost; there is no minimum requirement.