The Best and Cheapest Home Insurance in New Hampshire

The Best and Cheapest Home Insurance in New Hampshire

Choosing home insurance coverage involves finding a company that brings the mix of value, customer service and dependability that's right for your needs. To find the best homeowners insurance in New Hampshire, we amassed thousands of quotes from across the state.

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We found that typical homeowners can get a policy for as little as $533 per year. However, it's equally important to consider coverage options and customer service when selecting a home insurer. Below, we've called out the best homeowners insurance for most people in New Hampshire, along with our picks for the state's other top providers.

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The cheapest options for homeowners insurance in New Hampshire

Choosing the most affordable homeowners insurance company can save you hundreds of dollars in insurance premiums per year. We collected hundreds of quotes from the largest New Hampshire home insurers to find the best price.

The average cost of homeowners insurance in New Hampshire is $733 per year.

Mapfre Insurance had the lowest prices overall in New Hampshire, with an average statewide price of just $533 per year. That's 31% cheaper than the overall state average.

However, MetLife insurance also has comparably low rates, at a statewide average price of $547. That's only $14 more per year.

Bar graph comparing the costs of major homeowners insurance companies in New Hampshire
Bar graph comparing the costs of major homeowners insurance companies in New Hampshire

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Average Annual Cost
MetLife logo
Hanover logo
Vermont Mutual$661
Allstate Home Insurance logo
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The Best Homeowners Insurance Companies in New Hampshire

In order to select the best homeowners insurance company in New Hampshire, we looked at prices, coverage options, customer service ratings and reviews of the top companies in the state. We have a best pick for most people, along with alternate choices for people with specialized insurance needs.

Best for most people: MetLife

MetLife has the best mix of affordable rates, strong customer service and varied coverage for New Hampshire homeowners.
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We recommend MetLife to most New Hampshire homeowners because it offers the best overall combination of low prices, strong customer service and coverage options. MetLife offered an average annual price of $547, which is 29% cheaper than the average price we found across all insurance companies.

MetLife also has well-rated customer service. It received a complaint index score of 0.23 from the National Association of Insurance Commissioners, which means that it was the subject of fewer than one quarter as many complaints as a typical homeowners insurance company relative to its size.

The biggest drawback to MetLife insurance is that their online tools are very limited, especially when compared to other large homeowners insurance companies. You can't get a quote, buy a policy or make a claim online; the only things you can do are download a copy of your policy and make one-time bill payments. For everything else, you'll need to call MetLife.

Best for lowest rates and antique or high-end homes: Mapfre

Mapfre Insurance had the best prices of any insurer we looked at in New Hampshire. Statewide, it offered a typical price of $533, 31% less than the average. That represents a savings of up $240 compared to most other homeowners insurance policies in New Hampshire.

Besides low prices, Mapfre is also appealing because of its unique array of coverages that may suit owners of antique or high-end homes. In particular, its Restorationist coverage package can help your replace your home to its original condition if it's destroyed. It guarantees restoration cost coverage, and Mapfre will help you find craftspeople who have the skills necessary to restore an older home.

In addition, Mapfre's special high-end coverages — like a cash out option — may be appealing to high-end homeowners.

However, Mapfre's customer service appears to be hit-or-miss. It has a 1.49 complaint index from the NAIC. This means that customers were about 50% more likely to complain about the service they received from Mapfre than they would be at a typical company.

Best for online tools: Allstate

Allstate offers a comprehensive, easy to use set of online tools, including quotes, claims and policy management.
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For homeowners who want powerful online capabilities without sacrificing affordable rates, we recommend Allstate. Homeowners can get quotes, buy and manage their policies and file claims online, though the company also employes insurance agents if you prefer to meet in person.

Allstate's rates were also slightly cheaper than the average price we found in New Hampshire. At an average rate of $697 per year, prices were about 10% less than we found across all insurers. However, consumers who are committed to finding the lowest price may want to look at our other picks.

As one of the nation's largest insurance providers, Allstate also has very high financial stability. It received an A+ from AM Best, meaning that it has "superior" ability to pay out homeowners insurance claims, even in cases of economic downturn or high claims demand.

Best for military families: USAA

USAA's military-specific benefits should make it appeal to people in the armed forces.
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Members of the military and their families should take a look at USAA for their home insurance. While USAA's home insurance rates are not as competitive in New Hampshire as they are in other states, the company's impeccable customer service and military-focused coverage options make it an appealing choice nonetheless.

USAA has a 0.15 complaint index from the NAIC, meaning that it receives 15% as many complaints as a typical home insurer relative to its size. This suggests that consumers tend to be happy with the service they receive. What's more, USAA has a perfect 5/5 rating from JD Power, which ranks insurance companies on customer satisfaction.

USAA's military-specific benefits include personal property coverage worldwide — even in warzones, which most insurers don't provide. Furthermore, your deductible is waived if you make a claim for a damaged uniform while you're on active duty.

However, USAA's rates were not very competitive in New Hampshire. The average price we found was $958 — $185 more per year than the typical price across every insurer.

Additionally, only certain people are eligible to get coverage from USAA. Active and retired military service members may join, as can direct family members of current or former USAA members. Everyone else must look elsewhere.

New Hampshire insurance rates: City-by-city breakdown

In addition to an overall state analysis of insurance prices, we also did a city-by-city comparison of how much you can expect to pay for homeowners insurance. Below, see the cost of insurance in the largest cities in New Hampshire, plus how those prices compare to the average price statewide.

Average annual cost
% difference from state average
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To see how New Hampshire home insurance rates compare to prices nationwide, take a look at our study of American home insurance costs.

The best-reviewed homeowners insurance companies in New Hampshire

When shopping for homeowners insurance, we strongly recommend considering more than just price — customer service and dependability are key things to look at as well. When reviewing an insurance company, three characteristics we look at are a company's NAIC complaint index, its JD Power satisfaction score, and its AM Best financial strength rating. Here are those scores for every major home insurance company in New Hampshire.

NAIC complaint index
JD Power Homeowners survey score
AM Best financial strength rating
Liberty Mutual0.532/5A
State Farm0.24/5A++
Concord Group0.60--A
Vermont Mutual0.74--A+
Andover Companies0.23--A+
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These companies received a score of 0, meaning there were no complaints filed against them in 2018. However, we have generally found that scores of zero are as much indicative of an insurer's small size as they are of a company's strong customer service.

A company's NAIC complaint index compares the number of complaints it received relative to its size, measured in premium dollars. A lower complaint index is better, and the national average score is 1.0.

The JD Power consumer satisfaction score is an annual survey given out to customers of major home insurers, considering things like claims satisfaction and price.

AM Best's financial strength rating is a letter grade indicating an insurance company's ability to pay out claims, regardless of economic downturn or high level of claim demand (such as after a large natural disaster). The highest grade is A++.

Common homeowners insurance perils in New Hampshire

Because of New Hampshire's location in the northeastern United States, the most common causes of damage to New Hampshire homes involve storms coming off of the Atlantic Ocean as well as blizzards. For the most part, damage from these types of storms are covered by home insurance, but that isn't always the case.

Is wind damage covered by home insurance?

Wind damage is common in New Hampshire, from hurricanes and Nor'easters coming in from the Atlantic to winter storms coming south from Canada. Luckily, damage to homes from wind is almost always covered by home insurance. Even on basic home insurance policies, wind is one of the named perils that are included in coverage.

However, even if you're covered by insurance, it's better to avoid making a claim at all. So keep your home protected by doing the following:

  • Put away anything that could become a projectile, such as lawn furniture or toys
  • Install storm shutters to cover windows during storms
  • Trim tree branches that are low-hanging, or which may fall onto your home or car
  • Have your roof inspected for damage regularly

Is snow damage covered by home insurance?

New Hampshire regularly gets serious snowstorms and if too much builds up on your roof it can cause damage. This type of damage is usually covered by home insurance, under "weight of snow" coverage.

However, it's important that you monitor buildup of snow and ice on your roof and clear it off if necessary. Your insurance likely will not cover damage from water that's leaked through your roof, nor will it cover damage from an ice dam.


For our analysis, we collected more than 4,000 insurance quotes in every ZIP code from 13 of the top insurers across the state of New Hampshire. Our sample property was a 2,100 square foot house built in 1973 with $263,600 of dwelling coverage.

Companies surveyed include:

  • Liberty Mutual
  • State Farm
  • Allstate
  • USAA
  • Concord Group
  • Vermont Mutual
  • Amica
  • Travelers
  • MetLife
  • Hanover
  • MMG Insurance Company
  • Safety Group
  • Mapfre

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.