To help in your search for the best homeowners insurance companies in New Hampshire, Reviews’ team selected and reviewed four that stand out based on current third-party benchmarks for customer satisfaction and claims (see the J.D. Power 2025 U.S. Home Insurance Study and Property Claims Satisfaction Study), strong financial strength from AM Best, and recent market rate analyses. Amica, USAA, State Farm, and Allstate stand out for competitive premiums, financial strength ratings, and overall customer satisfaction. These top home insurance companies offer a variety of coverage options and discounts as well, and may be ideally suited to specific types of homeowners.
The 4 Best Homeowners Insurance Companies in New Hampshire
- Amica: Best for Overall Satisfaction
- USAA: Best for Military-Focused Coverage
- State Farm: Best for Digital Insurance Experience
- Allstate: Best for Discounts
Compare the Best New Hampshire Homeowners Insurance Companies
| Average Annual Premium* | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | 2021 J.D. Power Overall Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin Amica | $771 | A+ (Superior) | 854/1,000 | |
| Pin USAA | $675 | A++ (Superior) | 882/1,000** | |
| Pin State Farm | $782 | A++ (Superior) | 835/1,000 | |
| Pin Allstate | $833 | A+ (Superior) | 829/1,000 |
The comparison table below reflects earlier sample data; see the updated averages in the section below for current costs from sources like Bankrate, Forbes Advisor, and Policygenius.
*When shown, average premiums generally assume about $250,000–$300,000 in dwelling coverage with a $1,000 deductible
**USAA not officially ranked by J.D. Power due to eligibility restrictions
Amica
Amica again ranks at or near the top for overall customer satisfaction in the J.D. Power 2025 U.S. Home Insurance Study and is also a top performer in the 2025 Property Claims Satisfaction Study, indicating a strong commitment to service and claims experience.
Why we chose it
Pros
Cons
USAA
If you are a current or former member of the military or an immediate family member, you may have access to exceptional customer satisfaction, competitive rates, and a highly-rated mobile app with USAA. USAA routinely earns among the highest satisfaction scores in J.D. Power’s homeowners studies but is not rank-eligible due to membership requirements.
Why we chose it
Pros
Cons
**USAA not officially ranked by J.D. Power due to eligibility restrictions
State Farm
State Farm stands out not only for its large agent network, but also its digital experience. You can request a quote, make changes to an existing policy, file a claim, or find your agent all through the mobile app, and the overall digital journey earns strong marks in independent benchmarks such as the J.D. Power U.S. Insurance Digital Experience Study.
Why we chose it
Pros
Cons
Allstate
Homeowners may appreciate the abundance of discounts and coverage customization options Allstate has to offer. Policyholders may also be able to manage their policy either online on the Allstate website, by contacting an agent, or with the user-friendly app; discount programs and digital tools can help keep costs competitive depending on your profile.
Why we chose it
Pros
Cons
Average Cost of Homeowners Insurance in New Hampshire
In 2025, typical homeowners insurance premiums in New Hampshire are around $900–$1,300 per year for a standard HO-3 policy with roughly $250,000–$300,000 in dwelling coverage and a $1,000 deductible, according to recent market analyses from Bankrate, Forbes Advisor, and Policygenius. New Hampshire remains below the national average, and costs have risen since earlier years due to construction inflation and reinsurance pressures; see the Insurance Information Institute for NAIC historical benchmarks and trend context.
Average Annual Premiums from Homeowners Insurance Companies in New Hampshire
The rates below reflect a historical sample of average annual premiums for New Hampshire homeowners among different insurers and may not represent current pricing. Insurer rates can vary significantly by ZIP code, coverage level, and profile, so it’s important to compare quotes from multiple providers.
| Company | Average Annual Premium* |
| Allstate | $833 |
| Amica | $771 |
| Concord Group | $818 |
| The Hanover | $958 |
| Main Street America Group | $398 |
| MAPFRE Ins Grp | $686 |
| MMG | $1,149 |
| Preferred Mutual | $837 |
| Safety | $774 |
| State Farm | $782 |
| Travelers | $610 |
| USAA | $675 |
| Vermont Mutual | $618 |
*Based on $250,000 dwelling coverage
Top 3 Most Expensive Companies for New Hampshire Homeowners Insurance
- MMG: Previously among higher average quotes in historical samples; current pricing varies by profile and coverage.
- The Hanover: Previously among higher average quotes in historical samples; current pricing varies by profile and coverage.
- Preferred Mutual: Previously among higher average quotes in historical samples; current pricing varies by profile and coverage.
Top 3 Cheapest Companies for New Hampshire Homeowners Insurance
- Main Street America Group: Previously among lower average quotes in historical samples; current pricing varies by profile and coverage.
- Travelers: Previously among lower average quotes in historical samples; current pricing varies by profile and coverage.
- Vermont Mutual: Previously among lower average quotes in historical samples; current pricing varies by profile and coverage.
New Hampshire Home Insurance Considerations
In addition to the standard coverage offered by most homeowners insurers, residents of New Hampshire may want to consider add-on coverages for greater financial protection, including water backup/sump overflow, service line, and higher ordinance or law limits. The Northeast has seen a large increase in heavy-precipitation events, which can elevate risks from water intrusion and winter storm damage; proactive mitigation and the right endorsements can reduce loss severity (see the Fifth National Climate Assessment).
Flood insurance is typically highly recommended, depending on where you live in New Hampshire, because of the dangers of flooding throughout the state. You can check the flood map through FEMA to check the flooding probability. Standard homeowners policies don’t cover flood; compare NFIP and private flood options—note that NFIP policies generally do not include Additional Living Expenses (FloodSmart.gov). Coastal communities can consult New Hampshire’s updated coastal flood risk guidance for planning and resilience (NHDES).
Helpful Resources for New Hampshire Homeowners
Residents of New Hampshire can find additional information regarding homeowners insurance by visiting the New Hampshire Insurance Department website. Several other resources are available regarding weather-related disaster preparedness, a flood and storm section, and a premium comparison guide.
Frequently Asked Questions
Methodology
We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as coverage options to determine which might be the best providers.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using the 2025 J.D. Power U.S. Home Insurance Study and the 2025 U.S. Property Claims Satisfaction Study.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the National Association of Insurance Commissioners Consumer Complaint Index.
Average costs referenced in this guide reflect recent state analyses by Bankrate, Forbes Advisor, and Policygenius, paired with historical benchmarks from the Insurance Information Institute. These are sample rates and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
