New Hampshire Home Insurance Quotes
Are you searching high and low for the best New Hampshire home insurance quotes? Look no further than HomeInsurance.com. HomeInsurance.com should be your one-stop shop for New Hampshire home insurance quotes. Our licensed agents will work with you one-on-one to compare multiple quotes and coverage options from top providers that serve New Hampshire. We want to make sure that by the time you hang up the phone you have peace of mind coverage with a policy that fits your budget.
Ready to see how much you can save by working with a HomeInsurance.com agent? Simply fill out the quick quote form above and an agent will have you on your way to finding the best New Hampshire home insurance policy available.
See our most recent New Hampshire home insurance quotes
Want to see what your New Hampshire neighbors are paying for home insurance? It provides at least a hint of what you should pay. Below are the details of the last five policies written in New Hampshire by HomeInsurance.com agents. Don't forget that certain factors like square footage and location will affect the premium.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$966†||$549†||$770†||$213†||$457†|
|Discounts|| || || || || |
|Primary Heat Source||Central Oil||Central Electric||Central Gas||Central Oil||Central Oil|
Find out how much you might save with HomeInsurance.com and get your New Hampshire home insurance quotes today. Just enter your ZIP code in the form above or call us directly at 1-877-295-3422.
Home insurance rates in New Hampshire
Homeowners insurance premiums in New Hampshire were around $659.00 in February of 2014 when they decreased from $685 in January. These rates reflect average premiums on new sold policies by HomeInsurance.com. A standard policy will cover the structure of the buildings on the property, the contents of the home, liability for the homeowner(s), medical payments and loss of use expenses.
Average Premiums for Home Insurance In New Hampshire
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Average New Hampshire home insurance premiums fluctuate constantly. So what does that mean for you? You should try to stay informed of trends so you can lock in a current rate or search for a lower one. But whether rates are up or down, there are always other ways to lower your premium. Shopping annually for coverage and utilizing discounts are two common ways to cut costs. Agents at HomeInsurance.com will even do the discount detective work for you.
Here are some common price breaks you may want to ask an agent about:
- Bundling: The magical world of bundling unites both savings and convenience. Homeowners who purchase their home and auto policies from one provider also can receive discounts of up to 20%.
- New Home: Older homes may have character and charm, but new homes can save you money on your home insurance. If you own a home that was built within the past 10 years, you could be eligible for savings of up to 20%.
- Security: New Hampshire residents who want to reduce the chances of a break-in and get a discount should consider installing a security system. Homes with security alarms are considerably less vulnerable and could mean a discount of up to 10% and sometimes more.
How New Hampshire compares to average U.S. rates
New Hampshire policyholders paid an average of $659 compared with the national average of $815 for their home insurance premiums.
Average Hampshire home insurance rates by county
Do homeowners in your area pay more for homeowners insurance than the state average? Check out the chart below to see how average insurance premiums in your county stack up against the average rates in your state.
Standard New Hampshire homeowners insurance coverage
- Dwelling: Standard New Hampshire homeowners insurance protects your home's structure against damage or loss from specified perils such as hail, wind, fire, and theft.
- Other Structures: Protect structures on your property besides your home from covered perils. This protection is good for structures such as detached garages and sheds.
- Contents/Personal Property: Covers all the personal property inside your home from specified perils. This can include furniture, electronics, clothing and other personal belongings.
- Loss of Use: If your home becomes uninhabitable because of a covered peril, Loss of Use can help with your living expenses while your home is being repaired.
- Personal Liability Protection: Standard NH policies provide financial protection if a visitor is injured on your property and decides to sue you.
- Medical Payments: Helps you pay medical bills if someone other than you or a family member is injured on your property and doesn't plan to sue you.
All-weather protection for New Hampshire residents
Homeowners in New Hampshire should consider severe weather threats when setting their coverage. Some of New Hampshire's major weather threats include flooding, winter storms, and severe thunderstorms. While standard homeowners policies provide coverage for damage from wind, ice, snow, lightning and hail, they do not cover damage from floods.
Homeowners who need flood coverage should purchase a separate policy from the National Flood Insurance Program. New Hampshire's proximity to the coast makes it more vulnerable to flooding from Atlantic hurricanes and tropical storms. All New Hampshire homeowners should at least consider purchasing a flood policy; when it comes to your biggest investment, you don't want to leave it up to chance. Find out more about the National Flood Insurance Program.
For more information on insurance in the state of New Hampshire, visit the New Hampshire Department of Insurance website.
Other New Hampshire homeowners resources
Brush up on your basic home insurance knowledge with our Home Insurance 101 section.
Visit our Rates by State page to see how average New Hampshire home insurance rates stack up against other parts of the country.
Want to learn about additional price breaks? See what discounts may be available in New Hampshire with our list of home insurance discounts.
Find home insurance in your city
Click on your city or the one closest to you for more information on New Hampshire homeowners insurance.