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The Best Homeowners Insurance Companies in New Hampshire

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    Our top choice for the best homeowners insurance company in New Hampshire is State Farm. This choice was based on factors including customer service, premium cost, policy offerings, and discounts. 

    Other providers who made our list include Allstate, National Grange Mutual Insurance Company (NGM), USAA, and Metropolitan Insurance. Below we have provided additional insight on why these providers were selected.

    The 5 Best Homeowners Insurance Companies in New Hampshire

    1. State Farm
    2. Allstate
    3. National Grange Mutual (NGM) Insurance Company
    4. USAA
    5. Metropolitan Insurance

    Compare New Hampshire’s Top Insurance Companies


    Average Price AM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    State FarmCompare ratesA++829
    AllstateCompare ratesA+829
    NGM Insurance CompanyCompare ratesAN/A
    USAACompare ratesA++889
    Metropolitan InsuranceCompare ratesA+824

    Best New Hampshire Homeowners Insurance Companies

    State Farm

    State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.

    State Farm

    Best Web Experience

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • A++ AM Best Rate 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.
    • 829* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    Read More

    Discounts available

    • Multiple policy discount
    • Fire, smoke, or burglar alarms discount
    • Impact-resistant roof discount

    Unique features

    State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on State Farm:

    Allstate

    Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.

    Allstate

    Best For New Homebuyers

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in its coverage, providing up to $10,000 for accidental damage.
    • Reviews Score
    • AM Best Rate 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.
    • J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Allstate’s discounts add up to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in its coverage, providing up to $10,000 for accidental damage.

    Pros

    • Diverse discount opportunities
    • Informative website and digital tools
    • Above-average customer service

    Cons

    • High rate of complaints on NAIC complaint index
    • Financial strength ratings good, but not great
    Read More

    Discounts available

    • Early signing discount
    • Home buyer discount
    • Hail-resistant roof discount

    Unique features

    Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on Allstate:

    NGM Insurance Company (Grange)

    NGM, also known as Grange Insurance, works exclusively through independent agents, but you can grab a quote online and find an agency or agent that way.

    NGM Insurance Company

    Best Pricing

    Why we chose it

    NGM has the lowest average rates in all of New Hampshire, which merits it a place among our top picks. It has received few complaints overall, indicating good customer satisfaction. However, the company hasn’t yet received an official rating from J.D. Power.
    • N/A Reviews Score
    • A AM Best Rate 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.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    NGM has the lowest average rates in all of New Hampshire, which merits it a place among our top picks. It has received few complaints overall, indicating good customer satisfaction. However, the company hasn’t yet received an official rating from J.D. Power.

    Pros

    • Very low rates
    • Low complaints

    Cons

    • Not ranked by J.D. Power
    Read More

    Available discounts

    • Multiple policies discount
    • Prompt payer discount

    Unique features

    Works exclusively through independent insurance agents and agencies. 

    USAA

    Like Amica, USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — but if you are, the company should be your first stop.

    USAA

    Best For Military Members and Family

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • A++ AM Best Rate 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.
    • 889* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A- BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    Pros

    • Outstanding customer service
    • Policies tailored to military family needs
    • Competitive pricing

    Cons

    • Only available to current and former military members and their families
    • Limited discounts
    Read More

    Discounts available

    • Save 10% if you bundle with auto
    • Claims-free 10% discount
    • Home security system discount

    Unique features

    USAA’s policies are written with service men and women in mind. This means they have details that anyone in the military can appreciate, such as full coverage for uniforms for active duty or deployed members.

    *J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale

    Further Reading on USAA:

    Metropolitan Insurance (MetLife)

    Metropolitan Insurance features a modern, up-to-date website that is packed to the brim with tools and resources for members. MetLife also makes it easy to bundle different services so you can save big on your annual premium. 

    Metropolitan Insurance

    Best Pricing Options

    Why we chose it

    MetLife has an excellent website where you can use the company’s tools and resources to learn more about its home insurance policies.
    • 3.5 Reviews Score
    • A+ AM Best Rate 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.
    • 834* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A- BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    MetLife has an excellent website where you can use the company’s tools and resources to learn more about its home insurance policies.

    Pros

    • Website offers a variety of tools and online resources
    • Easy to bundle and save

    Cons

    • No online claim filing option
    • Subpar customer satisfaction
    Read More

    Discounts available

    Multiple policies discount

    Unique features

    MetLife Home Insurance has a lot of information and resources on their website. 

    Average Cost of Homeowners Insurance in New Hampshire

    According to the Insurance Information Institute, the average premium for homeowners insurance in New Hampshire is $972, which is well below the national average of $1,211. 

    Just keep in mind that there are many factors that determine the cost of a premium, some of which include:

    • Age, size, location, and construction or condition of the home
    • Type of heating
    • Type of Policy
    • Discounts
    • Deductible
    • Credit score 

    Lastly, the insurance provider can affect the price of insurance. Each company has its own specific algorithm to determine what customers will pay for a policy. 

    For that reason, homeowners may see a cost difference between two companies for the exact same coverage.

    Home Insurance Add-Ons That Will Further Protect You

    In addition to coverages provided in a standard policy, these add-ons provide additional coverage New Hampshire homeowners may find beneficial because of climate and other factors.

    Flood Insurance

    New Hampshire is no stranger to harsh winters, whose adverse effects on homes include flooding. In fact, the New Hampshire Department of Safety found that every year, some areas of the state experience flash flooding, coastal flooding, main stem river flooding, or a combination of all of them.

    To see if your home is at danger of future flooding, input your address into a FEMA flood map. If it is, we recommend you strongly consider purchasing flood insurance through the NFIP

    Sewage and Water Backup Add-on

    There can be a fine line between flooding and sewage and water backup coverage. You should talk with your agent to understand the differences between the two, as every provider has different stipulations. 

    Well and Septic Add-on

    Similar to sewage and water backup, damage from well and septic incidents is typically excluded from flood coverage. This add-on can provide additional peace of mind in the event of water damage from well and septic.

    Other Structures Add-on

    Your home isn’t the only thing that could be damaged from storms and flooding. If you have any barns, sheds, garages, lampposts, or fences, these structures could also be severely affected by weather swings.

    Most companies do not protect additional structures in the main policy, and so additional protection must be purchased separately.  

    The Cheapest Homeowner Insurance Companies in New Hampshire

    Largest Companies by Market Share in New HampshireAverage Annual Premium
    NGM Insurance Company$296
    Northern Security Insurance Company Inc.
    $557
    Vermont Mutual Insurance Company$557
    Metropolitan Insurance$559
    MAPFRE$594
    USAA$645
    Garrison Property and Casualty Insurance Company$650
    Preferred Mutual Insurance Company$697
    State Farm$730
    Concord General Mutual Insurance Company$742
    Safety Insurance Company$768
    Allstate$771
    Amica$839
    MMG Insurance Company$1,158

    Cost of Homeowners Insurance by Age of Home

    Age of Home (years)Sample Annual Premium
    5 years$684
    20 years
    $888
    35 years$898
    50 years$895
    Average Across Ages$841

    Top 3 Cheapest Homeowners Insurance Companies in New Hampshire 

    • NGM Insurance Company – $296
    • Northern Security Insurance Company Inc.- $557
    • Vermont Mutual Insurance Company- $557

    Top 3 Most Expensive Homeowners Insurance Companies in New Hampshire

    • MMG Insurance Company – $1,158
    • Amica- $839
    • Allstate- $771

    The cheapest homeowners insurance provider in New Hampshire based on averages is NGM Insurance Company, with an average annual premium of $296. The most expensive is Metropolitan Insurance with an average annual premium of $1,158. However, these numbers are only based on averages. To get a more accurate quote, you will need to contact each company directly. 

    Helpful Resources for New Hampshire Homeowners

    The New Hampshire Insurance Department has a variety of resources for homeowners. For example, you can find information on disaster preparedness, a flood and storm section, a premium rate comparison guide, and an FAQ section.    

    Homeowners Insurance FAQ 

    Is homeowners insurance required in New Hampshire?

    Although homeowners insurance is not legally required in New Hampshire, mortgage lenders will most likely require you to have it while you are still making payments. In fact, you will need a policy in place before your lender will even allow you to close on the home. 

    What is the cheapest homeowners insurance in New Hampshire?

    The cheapest homeowners insurance provider in New Hampshire is currently NGM (also known as National Grange Mutual Insurance Company.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
    • 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 will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • 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 NAIC National Complaint Index.

    About the Authors

    Lauren Ward

    Lauren Ward Contributing Writer

    Lauren Ward is a personal finance writer who regularly covers consumer insurance products. Her work has appeared in a variety of online publications, including Bankrate and The Simple Dollar. She graduated from Georgetown University with a BA in Japanese.

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