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New Hampshire
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New Hampshire Home Insurance - What's Happening

When it comes to New Hampshire home insurance, there's good news. The average premium for homeowners policies sold during the second quarter was $662, roughly 20% lower than the national average. Why are premiums so low in this northeastern state? Weather might have something to do with it.

Despite cold, snowy winters, New Hampshire doesn’t face many natural threats. The state’s location on the East Coast can make it vulnerable to any tropical storms and hurricanes that make it far north. But for the most part, Granite State home insurance shoppers can get a soft landing.

How can you get the softest landing? Count on to find you terrific coverage and affordable premiums. Our licensed agents do what you do with other commodities – comparison shop to find the best deals.

We'll ask some questions; then shop your New Hampshire home insurance with up to eight highly rated providers to find the policy that's right for you. And did we mention this: The quotes are free!

Simply call the number on your screen or enter your information in the form above to get started on a New Hampshire homeowners insurance quote. Get peace of mind today for what's likely your largest investment.

Curious about car insurance? Click here to learn more about auto insurance in New Hampshire.

New Hampshire Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Homes in the Granite State are older and substantially larger than other homes across the nation – neither factor bodes well for home insurance. Another strike against the state was high construction costs, which come into play in the event of a total loss. New Hampshire residents almost redeemed themselves by having sump pumps in their homes but ultimately still received an average score.


Average year built

Built in 1975, the average New Hampshire home is just 5 years older than the average U.S. home.


Average home size

The average size of a NH home is 2,194 square feet – about 11% larger than the national average.


Average replacement cost

At $308,651, the average replacement cost for a New Hampshire home is well above the U.S. average of $278,576.


% of homes with sump pump

On average, 17% of NH homes have a sump pump, compared with the national average of 15%.

Property (Factors related to the property and location)

New Hampshire had mixed reviews for property factors. On one hand, NH homeowners avoided owning ATVs and snowmobiles, which are big liability risks.

However, residents don't avoid swimming pools, which can also cause issues with liability. In fact, 25% of New Hampshire homeowners who bought policies from during the quarter have a swimming pool – nearly 5 times as many as the national average. When it comes to home insurance, risky items like these can drive up premiums. It’s not only safer not to have them but also less expensive.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

87% of NH homes reported having fire extinguishers, less than the U.S. average of 91.4%.


% of homes with dead bolt locks on exterior doors

Only 93% of homes in the state have dead bolt locks, compared with almost 96% nationwide.


% of homes with smoke detectors

NH homeowners take fire safety pretty seriously - 100% of homeowners who bought policies in Q2 have smoke detectors.


% of homes with security alarms

A mere 3% of homes in NH reported having security alarms, compared with the national average of 19.7%.

Overall Grade - C (ways to improve)

New Hampshire may have low average home insurance premiums, but the state's overall home insurance grade indicates that there's room for improvement. NH received low marks for having older, larger homes and high average building costs. Homeowners in the state failed to avoid certain liability risks and missed the mark on a few home safety points.

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