Fields of purple lilacs, gorgeous shades of fall foliage and majestic mountains create the backdrop for life in New Hampshire, a state whose slogan “you’re going to love it here” captures its magic perfectly. And residents of other states have started to take notice. New Hampshire was actually one of the top states Americans relocated to during the pandemic, as well as other New England states like Maine.

Looking to join those flocking to the Granite State or just purchasing a second home in the state you love? Either way, we’ve got you covered with a guide to home insurance in New Hampshire.

How much is home insurance in New Hampshire?

Illustration of three houses with green doors and smoke coming out of the chimney of one

Home insurance in New Hampshire costs around $1,100 a year, about the cost of 22 gallons of maple syrup, a staple in the Switzerland of America. In fact, New Hampshire is known for its abundance of maple syrup farms (also called Sugar Shacks). Though the title of “Best Maple Syrup” is hotly debated, with Vermont Sugar Shacks often taking home the crown.

Home insurance in New Hampshire costs around $1,100 a year, about the cost of 22 gallons of maple syrup, a staple in New Hampshire.

What factors influence my home insurance rate?

New Hampshire premiums are a tad less than what you would expect to pay across the country, as the average home insurance premium in the U.S. is around $1,200. How much you’ll pay depends on many factors, such as the size and age of your home, its current condition and its location. So if you buy a large, older home near Mount Washington, you should expect to pay more to protect your home than if you bought a turn-key house in the heart of Manchester.

New Hampshire Home Insurance Premiums

Is homeowners insurance required in NH?

Homeowners insurance isn’t required in New Hampshire. Well, by the state government, that is. But most mortgage lenders will require homeowners to purchase home insurance to protect their home (and therefore, the lender’s assets). So if you’re planning to buy a home in New Hampshire, you’ll need to factor home insurance costs into your budget.

What does New Hampshire home insurance cover?

A home insurance policy in New Hampshire will help financially protect your home’s structure, its contents, additional structures on your property (like fences or sheds) as well as provide personal liability protection for you and your family. This means that if wind knocks over your fence and it damages your home’s paneling, your home insurance will help cover the cost to repair or replace both (and high winds are a big problem if you live by Mount Washington — which is known to host the “worst weather on earth”).

New Hampshire Insurance Coverage Options

Traditional coverage


Supplemental coverage


Tips to lower your homeowners insurance premium

Lowering your home insurance premium is possible through a few different avenues. First, shopping around for the best rate is always a good idea. You can also chat with your current provider to see what you can do to make your home less of a risk to insure. 

Keeping up with home maintenance, installing smart home devices and updating older systems in your home are all great ways to mitigate your risk. You should also keep a close eye on your credit and insurance scores and do what you can to keep those numbers high.


New Hampshire home insurance resources

New Hampshire may be the fifth smallest state in the nation, but its home insurance resources for residents rival even the biggest states like Texas and California. The state is even home to the first free public library in the U.S., so it isn’t a stretch to say that New Hampshire cares about education. In addition to the NFIP that operates throughout the entire country, New Hampshire also has the New Hampshire Insurance Department that provides homeowners with all the information they need to learn about proper home protection.

National Flood Insurance Program

The National Flood Insurance Program (NFIP) is a federally regulated program that provides financial assistance to homeowners whose homes (or belongings) are damaged by floodwater. Given that just one inch of water can cause up to $25,000 in damage, this assistance is definitely needed. You can get NFIP flood insurance through your regular insurance provider, making acquiring protection a snap.

We know that a state with the motto “live free or die” takes things like protecting themselves pretty seriously. That’s why we don’t mess around when it comes to homeowners insurance in New Hampshire. No gimmicks, just comprehensive coverage for a great rate. You can even get a quote in as little as 60 seconds (really).

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