The 4 Best New Hampshire Homeowners Insurance Companies

New Hampshire’s annual premiums for homeowners insurance are on the low side — on average $905 per year for an HO-3 policy, compared to the nationwide average of $1,132. That said, how much you’ll pay can vary a lot depending on your home’s size, your assets, and your address. Use our tool to find your best rates:

Average annual premium in New Hampshire
$0 $2,500
Homeowners in Oregon pay the least
Average annual premium in the US
Homeowners in Florida pay the most

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Find the best homeowners insurance in New Hampshire

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Home to the rugged White Mountain range and some of the best fall foliage in the country, New Hampshire packs a big dose of natural beauty into a small state. Its Northeastern locale also means the state is no stranger to snowfall, which undoubtedly adds to its picturesque charm, but also presents unique risks to homeowners. In fact, the prolonged winters of recent years have made ice dams a more common issue for New Hampshirites, 70 percent of which are homeowners. That means finding the right homeowners insurance is all the more essential in the Live Free or Die state.

Luckily, the average homeowners insurance premium in New Hampshire was $905 in 2014, $300 cheaper than the national average. Despite the relatively lower costs, it’s important to find an insurer that fits your needs: You don’t want to be overpaying for protection you don’t need nor do you want to find yourself without coverage should inclement weather strike. To start shopping around, use the rates tool below to compare quotes from New Hampshire’s largest insurance companies.

How We Found the Best Homeowners Insurance in New Hampshire

To find the best home insurance in New Hampshire, we evaluated the five LA companies in the state using a methodology similar to that in our review of nationwide providers. We examined each homeowner insurance company’s coverage options, endorsements, discounts, financial strength, and customer service. Beyond that, we studied online resources, retrieved quotes, and compared customer satisfaction with the claims process. While rates will vary depending on where you live in New Hampshire, we feel confident that these five insurers provide the best coverage at the lowest costs. Read on to learn what made each company stand out from the competition.

New Hampshire Homeowners Insurance Reviews


Allstate received consistently high marks throughout our evaluation, but what really set it apart was the thorough and informative educational center on its website. This makes Allstate the strongest choice for first-time insurance purchasers in particular, as the insurance industry is full of jargon and confusing policy structures. Learning the language of insurance is key in ensuring you know exactly what you’re paying for, and Allstate understands the importance of maintaining transparency. Specifically, the Common and Costly Claims tool allows you to see the dollar average of common claims in your area, so you know what kind of add-ons you may need to prioritize.

An extensive range of discounts also helped to earn Allstate the number-one spot. Customers are eligible for all the discounts standard across the industry, along with a few not-so-common offerings such as a 10 percent welcome discount. Bundling policies could save you as much as 30 percent on your overall bill, nearly 10 percent more than State Farm’s multi-policy discount.

To be clear, Allstate scored lower than State Farm when it came to claims management. The company actually ranked the lowest among 14 insurers surveyed in a Consumer Report study. While this is something to keep in mind, Allstate still ranked relatively high in the “timely payments” department, meaning any hiccups you experience are unlikely to affect your wallet.

Liberty Mutual

A reliable and comprehensive provider, Liberty Mutual offers several unique benefits that cemented its runner-up status. The Emergency Home Repairs service, available 24/7, sends a professional to repair any damage incurred to your home immediately after you report a loss. It’s that sort of above-and-beyond service, along with a solid online experience and professional financial rankings, that sets Liberty Mutual apart from the competitors.

When we tried to get an online quote from Liberty Mutual, we were instructed to call an agent in order to complete the process. Once we got on the phone, we were connected to a phone tree, though the agent we spoke with was personable and informative. If this sounds like a hassle to you, you may want to consider an alternative provider with either a more personal touch or more thorough online claims process, depending on your preference.

State Farm

State Farm wins big when it comes to educational materials and ease of use. We secured a quote in less than five minutes, and the website walks you through deductions and add-ons so you can rest assured you’re receiving an accurate representation of what you’d be paying every month. First-time buyers would do well with State Farm as they can easily return to the website’s comprehensive learning center for a glossary of terms and coverage plans. Other resources include a home inventory calculator and 24/7 customer assistance.

Long-term customers of State Farm confirm the insurer’s commitment to client satisfaction. State Farm earned a 4 out of 5 for damage amount in a Consumer Reports’ homeowners insurance survey, meaning customers who’ve filed a claim were generally satisfied with the amount paid out to them.


USAA is only available to current and former members of the US military and families, so you may be ineligible for their services. If you are connected with the US military, USAA is a great option with a high-level of customer satisfaction.

The provider ranked 2nd out of 14 companies in the Consumer Reports customer survey, meaning customers who have USAA insurance are overwhelmingly happy with their service. This is likely due (at least in part) to the company’s stellar financial stability. Its policy covers higher replacement costs than most other industry leaders, no questions asked. While this above-and-beyond service makes USAA a top contender, its educational materials didn’t stack up against Allstate or State Farm. The website was lacking when it came to clearly listing discounts and endorsements, and we found the explanation of different coverage plans slightly confusing.

Companies That Didn’t Make the Cut

Concord Group Insurance

Though Concord Group Insurance is one of the five most popular providers in New Hampshire, we couldn’t in good conscience recommend it as a top contender. The website lacked an online quote tool, not to mention a general dearth of materials addressing available endorsements and discounts. When we did call an agent for a quote, we were directed to their voicemail and didn’t receive a return call in a timely manner.

Another concern was the lack of professional rankings from reputable ratings leaders such as J.D. Power or Consumer Reports. Without this information, it’s hard to decipher how Concord handles the claims process and its customers’ general satisfaction.

That being said, many people in New Hampshire do still use Concord Group Insurance. If you’d prefer the personal attention a smaller provider often brings, you may want to look into its services.

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What We Learned

Premiums vary widely.

The difference in annual premiums can vary quite a bit due to a variety of factors, including your location within the state and the provider you end up choosing. To show you just how much they can fluctuate, we looked up standard prices from each provider, listed on New Hampshire Department of Insurance website.

Allstate Liberty Mutual State Farm USAA Concord
Portsmouth $1,132 $815 $1,316 $886 $487
Concord $1,155 $799 $1,326 $890 $765
Manchester $1,198 $806 $1,317$901$743

These numbers reflect average premiums for an H0-3 policy on the following property:

  • Single family, wood-framed house
  • Built in 1985
  • $200,000 replacement value
  • 2-car garage attached
  • $140,000 worth of belongings inside
  • Has one working fire alarm

As you can see, the average premium from Liberty Mutual was $806, that’s a whopping $355 cheaper than Allstate’s average of $1,161. While Allstate’s services stand out across the industry, if cost is a significant factor for you, you’d do well to consider the coverage of Liberty Mutual. Over five years, you’d save more than $1,775 going with Liberty Mutual over Allstate.

Radon gas is an issue.

30 percent of New Hampshire homes have higher than recommended levels of radon, according to Breathe New Hampshire. While everyone breathes in radon gas at low levels, high exposure has been linked to an increased risk for developing lung cancer.

Radon exists in the soil under many New Hampshire homes, and can easily seep into the drinking water and indoor air. Unfortunately, many New Hampshire homes haven’t been tested for radon levels, so we recommend taking action to test and then lower radon levels in your home.

Sudden water coverage could end up saving you money.

According to the New Hampshire Department of Safety, severe floods are the most common natural disaster in the state. While standard water damage protection is included in most plans, it typically only covers burst pipes, clogged, drains, and minor accidents. It behooves any New Hampshirite to assess their risk of flood damage and opt for additional flood coverage as needed.

The Bottom Line

While radon levels and flooding present unique risks to New Hampshire homeowners, the relatively low cost of homeowners insurance in the state relieves the burden of additional coverage and testing. Comparing coverage options and premiums from multiple providers is the best way to find the best homeowners insurance for you. Start by entering your zip code in the tool below.

Find the best homeowners insurance in your area.

Get a quote by entering your ZIP code and start saving today.