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The Best Home Insurance Companies in New Hampshire for 2022

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    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 third party industry ratings and available data for home insurance premiums. 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$771A+ (Superior)854/1,000
    Pin USAA$675A++ (Superior)882/1,000**
    Pin State Farm$782A++ (Superior)835/1,000
    Pin Allstate$833A+ (Superior)829/1,000

    Information accurate as of December 2021

    *Based on $250,000 dwelling coverage

    **USAA not officially ranked by J.D. Power due to eligibility restrictions

    Amica

    Amica received the highest official ranking in the 2021 J.D. Power Home Insurance Study, indicating a strong commitment to customer service and satisfaction.

    Best for Overall Satisfaction

    WHY WE CHOSE IT

    Amica stands out for its competitive rates and outstanding overall customer satisfaction ranking from J.D. Power, but it also has a Superior financial strength rating from AM Best, making it a highly-rated insurer overall.
    • $771 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A+ (Superior) 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.
    • 854 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica stands out for its competitive rates and outstanding overall customer satisfaction ranking from J.D. Power, but it also has a Superior financial strength rating from AM Best, making it a highly-rated insurer overall.

    Pros

    • High customer satisfaction ratings
    • Wide range of discounts
    • Variety of policy customization options

    Cons

    • Limited website resources
    Read More

    DISCOUNTS AVAILABLE

    • Multi-policy
    • Claim-free
    • Autopay
    • E-discount
    • Protective devices
    • New or remodeled home credit
    • Auto detection

    ADD-ON COVERAGES

    • 30% additional dwelling coverage payment
    • Valuable items
    • Identity theft
    • Home business

    AMICA INSURANCE REVIEW

    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.

    Best for Military-Focused Coverage

    WHY WE CHOSE IT

    USAA is dedicated to working with active-duty military families or veterans, and many aspects of a homeowners policy are tailored to the unique needs of someone serving in the military.
    • $675 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ (Superior) 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.
    • 882** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA is dedicated to working with active-duty military families or veterans, and many aspects of a homeowners policy are tailored to the unique needs of someone serving in the military.

    Pros

    • High customer satisfaction scores
    • Superior financial strength ratings
    • Multiple channels for claim filing

    Cons

    • Limited discounts
    • Eligibility requirements for membership
    • Few additional coverage options
    Read More

    DISCOUNTS AVAILABLE

    • Claim-free
    • Home security system
    • Multi-policy

    ADD-ON COVERAGES

    • Earthquake
    • Homesharing

    USAA INSURANCE REVIEW

    **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.

    Best for Digital Insurance Experience

    WHY WE CHOSE IT

    State Farm’s mobile app comes highly rated by both Android and iOS users and allows policyholders to manage their policy from their smartphone. For homeowners who prefer a tech-forward approach from a highly-rated insurer, State Farm may be an ideal fit.
    • $782 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A++ (Superior) 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.
    • 835* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm’s mobile app comes highly rated by both Android and iOS users and allows policyholders to manage their policy from their smartphone. For homeowners who prefer a tech-forward approach from a highly-rated insurer, State Farm may be an ideal fit.

    Pros

    • Highly-rated mobile app
    • Excellent financial strength
    • Large agent network

    Cons

    • Limited number of discounts
    Read More

    DISCOUNTS AVAILABLE

    • Multi-policy
    • Protective devices
    • Impact-resistant roof

    STATE FARM INSURANCE REVIEW

    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.

    Best for Discounts

    WHY WE CHOSE IT

    Allstate is a particular standout when it comes to discounts and savings opportunities. For example, homeowners can save up to 10% simply for switching from another provider to Allstate.
    • $833 Average Premium Pricing data comes from our partners at Bankrate.com.
    • A+ (Superior) 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.

    Why we chose it

    Allstate is a particular standout when it comes to discounts and savings opportunities. For example, homeowners can save up to 10% simply for switching from another provider to Allstate.

    Pros

    • Financial strength
    • Robust digital tools
    • Variety of discounts

    Cons

    • Premiums are not as low as other companies in this review
    Read More

    DISCOUNTS AVAILABLE

    • Multi-policy
    • Responsible payment
    • Claims-free
    • Welcome and loyalty discount
    • Home buyer for new construction or first time purchase
    • Easy pay plan
    • Protective device
    • Early signing

    ADD-ON COVERAGES

    • Identity theft
    • Water backup
    • Scheduled personal property
    • Business property
    • Sports equipment
    • Green home improvement
    • Yard and garden
    • Electronic data recovery
    • Musical instruments

    ALLSTATE INSURANCE REVIEW

    Average Cost of Homeowners Insurance in New Hampshire

    The average cost of homeowners insurance in New Hampshire is $724 per year for $250,000 in dwelling coverage, based on 2021 quoted annual premium data from Bankrate.com. When comparing costs of insurance among a few insurers, keep in mind rates for each individual will vary based on selected coverage and limits, as well as other factors specific to the homeowner, like their ZIP code or marital status. 

    Average Annual Premiums from Homeowners Insurance Companies in New Hampshire

    The rates below reflect average annual premiums for New Hampshire homeowners among different insurers. As you can see, insurer rates can vary significantly from one provider to the other. This shows how important it is to compare rates from multiple providers.

    CompanyAverage 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: $1,149
    • The Hanover: $958
    • Preferred Mutual: $837

    Top 3 Cheapest Companies for New Hampshire Homeowners Insurance

    • Main Street America Group: $398
    • Travelers: $610
    • Vermont Mutual: $618

    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. 

    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. Homeowners may also be interested in sewage and water back up protection, which can also result in costly damages.

    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 2021 J.D. Power Home Insurance Study 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 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 Companies National Complaint Index.

    Rates are based on quoted annual premiums from Bankrate.com. 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).

    About the Authors

    Sara Coleman is a personal finance freelance writer based in Charlotte, NC. A Journalism Major who studied at the University of Georgia, she enjoys creating approachable content. She’s written for sites such as WorkingMother, BetterYouMag, and SmartMoneyMamas. She loves spending time with her husband and 3 kids, and has a healthy obsession with coffee.

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