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If you rent a home or apartment, then it is important that you have the right renters insurance to protect your personal property and its contents. Renters insurance covers damage caused by smoke or fire, vandalism, theft, a windstorm, and other disasters.

Renters insurance costs an average of $155 a year for New Hampshire residents. It's $96 less than the national average ($251). However, rates vary based on the zip code, property you want to insure, coverage you choose, among other factors.

If you are in search of the best renters insurance in New Hampshire, then this guide is for you. We have compared major insurance carriers and their average annual premiums for New Hampshire residents. Read on to know more about the insurance companies that have the best renters insurance policies, insurers that provide cheap renters insurance costs, and the least and most expensive zip codes for renters insurance in New Hampshire.

Best renters insurance companies in New Hampshire

When it comes to choosing the best renters insurance company in New Hampshire, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in New Hampshire. Below is the list of best renters insurance companies in New Hampshire:

CompanyAverage rating(out of 5)
USAA4.5
Nationwide3.5
Allstate3
State Farm3
Farmers Insurance2

Compare best renters insurance companies in New Hampshire

USAA is one of the best renters insurance companies in New Hampshire with the highest J.D. Power score (886), its average insurance rate is $134 a year. If you don't qualify for renters insurance coverage from USAA, you can consider buying a policy from Nationwide. It has earned 859 scores out of 1000 from J.D Power.

You may want to take a look at what each plan offers, and which providers offer excellent customer service. The most important thing is to compare quotes from all the options available before making a final decision.

Find below the list of best renters insurance providers and their average annual insurance rates.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
Allstate837$160A+
Farmers Insurance831$224A
Nationwide859$155A+
State Farm836$207A++
USAA886$134A++

How much is renters insurance in New Hampshire

The average annual premium for renters insurance in New Hampshire is $155 or $13 a month. However, this amount may vary by location and the amount of coverage you choose.

Based on an analysis by Insurance.com, the recommended coverage level for renters insurance is $40,000 for personal property, with a $1,000 deductible and $100,000 of liability protection.

Average Annual PremiumAverage Monthly Premium
$155$13

10 Most expensive zip codes in New Hampshire for renters insurance

If you are a renter in New Hampshire, it's important to know that your renters insurance premium may vary depending on the zip code you live in. The most expensive zip code for renters insurance in New Hampshire is 3870, its average rate is $178 annually.

Here are the 10 most expensive zip codes in New Hampshire for renters insurance-

ZIP codeAverage Annual Rate
3870$178
3862$177
3842$176
3874$175
3871$174
3844$171
3854$169
3840$168
3801$168
3885$168

10 Least expensive zip codes in New Hampshire for renters insurance

Insurance companies take into account several factors including your zip code when deciding premiums for your standard renters insurance policy. The least expensive zip code for renters insurance in New Hampshire is 3603, its average annual rate is $149.

We have gathered price quotes from major insurance companies across all the zip codes and prepared a list of the 10 least expensive zip codes in New Hampshire for renters insurance.

ZIP codeAverage Annual Rate
3603$149
3280$149
3770$149
3601$149
3284$149
3602$149
3607$149
3609$149
3743$149
3745$149

Cheap renters insurance in New Hampshire by carrier

One of the best ways to save money on renters insurance is to get quotes from several different companies to find out who offers the cheapest New Hampshire renters insurance. Among the carriers surveyed, Amica Mutual is the cheapest renters insurance company in New Hampshire, its average annual premium is $88.

Find below the list of best cheap renters insurance companies in New Hampshire and their average annual premium.

Company NameAverage Annual Premium
Vermont Mutual$101
USAA$134
MMG Insurance$150
Nationwide$155
Allstate$160
State Farm$207
Farmers$224
Auto-Owners$240
Amica Mutual$88

Methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1000 deductible and $100,000 liability coverage for all available ZIP codes. ZIP codes were ranked based on the average rates for personal property coverage of $40,000, liability coverage of $100,000, and a $1,000 deductible and included good credit ratings. Content was updated in 2023.

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