Enter your ZIP code:

New Hampshire Home Insurance

Your home represents an important investment in your family's life. And New Hampshire home insurance can help you make sure that investment is protected.

Let InsureMe help. We've been contracting with leading New Hampshire home insurance agents since 1993, and we'd like to help you find just the right policy at just the right price.

Submit your information in our quote box today!


New Hampshire Home Insurance: Common Questions

"What is home insurance?"

A New Hampshire home insurance policy is simply a contract you make with your insurance provider. In exchange for your premium, the insurance company agrees to pay for financial losses related to your home or property.

Your New Hampshire home insurance policy also covers injuries or damage others suffer for which you are held legally responsible.

"What are my choices?"

There are many types of New Hampshire home insurance policies to choose from, so examine the offerings closely to determine which policy type best suits your needs.

Most New Hampshire homeowners insurance companies offer the following types of coverage:

  • Broad Form (HO-2)—covers only specifically listed perils.
  • Special Form (HO-3)—offers property and liability coverage for your home and other structures on your property. Protects against all risks specifically listed (e.g., fire, windstorm, hail, lightening and falling objects). Covers more risks than an HO-2 policy.
  • Comprehensive Form (HO-3/HO-5)—covers your home and your personal property for everything not specifically excluded. Provides the broadest coverage, but is more expensive and not universally offered.
  • Tenants Form (HO-4)—provides coverage for a renter's personal property and liability against the property of others, and pays for additional living expenses.
  • Condominium Form (HO-6)—covers a condominium owner's personal property, as well as any changes or alterations to the inside of the owner's unit.
  • Modified Coverage Form (HO-8)—provides coverage for older homes whose replacement cost far exceeds market value.

"How much will it cost me?"

The price you pay for your New Hampshire home insurance coverage depends on several factors, the size of your home being one, according to the Insurance Information Institute (I.I.I.) The more square footage your home contains, the more your home insurance is likely to cost you.

The location of your home, what it is made of and any extra features it contains also help determine your premium amount. Rebuilding costs vary depending on these factors—which means so does your New Hampshire home insurance.

If you live in a high-crime area, it just makes sense that you will pay more for your New Hampshire home insurance. Keep this in mind when shopping for a new home.

Living in an area prone to natural disasters such as hurricanes or hail storms also means your New Hampshire home insurance coverage costs more. The more likely an area is to suffer from these disasters, the more likely your New Hampshire home insurance company is to incur damage claims. Your insurer covers this extra cost by increasing your New Hampshire home insurance rates.

Other factors related to fire risk can also mean your New Hampshire homeowners insurance is more or less expensive. These include its proximity to a fire hydrant or fire station, whether your community has a professional or volunteer fire department, and other factors related to the time it takes to put out fires in your area.

Finally, the condition of your home's plumbing, heating and electrical systems plays a role in how much your home insurance costs you. The older these systems are, the greater the likelihood of breakdowns or system-related fires. Therefore, you pay more to ensure your home against these kinds of repair or replacement costs.

"Does my New Hampshire home insurance cover flooding? If not, how much extra will this cost me?"

No, the basic homeowners insurance policy does not include flood damage. You must obtain this coverage from a National Flood Insurance Program (NFIP) provider. Ask a licensed New Hampshire homeowners insurance agent if you need help in obtaining this type of coverage.

On average, a basic flood insurance policy costs around $300 per year. This is a small price to pay to ensure your home and belongings are protected if you live in a high-risk flood zone.

"What can I do to save money on my home insurance?"

Follow these money-saving tips from the National Association of Insurance Commissioners (NAIC) to keep your New Hampshire home insurance rates low:

  • Comparison shop for the best coverage at the best price
  • Stick with the company that offers you the best deal on all your insurance types
  • Choose your coverage amount wisely
  • Keep your deductibles as high as possible
  • Check with your insurance agent for additional discounts
  • Insure your home for its actual cash value, rather than replacement cost

"What's the best way to comparison shop for my home insurance?"

Let InsureMe shop for your New Hampshire home insurance for you! Our relationships with hundreds of New Hampshire home insurers means insurance companies compete for your business—the best way to save!

Contact InsureMe today for great coverage and up to five New Hampshire home insurance quotes!



Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Home Insurance youcomparequotes 6569
54 Wisconsin Home Insurance youcomparequotes 6862
53 West Virginia Homeowners Insurance youcomparequotes 6452
52 Washington, D.C. Home Insurance youcomparequotes 8088
51 Washington Home Insurance youcomparequotes 6189
50 Virginia Home Insurance youcomparequotes 6462
49 Vermont Homeowners Insurance youcomparequotes 6948
48 Utah Homeowners Insurance youcomparequotes 6152
47 Texas Home Insurance: Not Fun, Not Hip But Oh-So Important youcomparequotes 7132
46 Texas Home Insurance Quotes youcomparequotes 6669
45 Tennessee Homeowners Insurance youcomparequotes 8237
44 South Dakota Homeowners Insurance youcomparequotes 6928
43 South Carolina Homeowners Insurance youcomparequotes 6196
42 Rhode Island Homeowners Insurance youcomparequotes 6403
41 Pennsylvania Home Insurance Quotes youcomparequotes 6665
40 Oregon Home Insurance Quotes youcomparequotes 12737
39 Oklahoma Homeowners Insurance youcomparequotes 6613
38 Ohio Home Insurance Quotes youcomparequotes 7004
37 North Dakota Homeowners Insurance youcomparequotes 6335
36 North Dakota Home Insurance youcomparequotes 6194
35 North Carolina Homeowners Insurance youcomparequotes 10968
34 New York Home Insurance Quotes youcomparequotes 6869
33 New Mexico Homeowners Insurance youcomparequotes 6736
32 New Jersey Home Insurance youcomparequotes 6257
» New Hampshire Home Insurance youcomparequotes 6329
30 Nevada Home Insurance youcomparequotes 6463
29 Nebraska Home Insurance youcomparequotes 6306
28 Montana Home Insurance youcomparequotes 6681
27 Missouri Home Insurance Quotes youcomparequotes 6385
26 Mississippi Home Insurance youcomparequotes 6429
25 Minnesota Home Insurance Quotes youcomparequotes 6590
24 Michigan Home Insurance Quotes youcomparequotes 7601
23 Maryland Home Insurance youcomparequotes 6593
22 Maine Homeowners Insurance youcomparequotes 6401
21 Louisiana Homeowners Insurance youcomparequotes 6795
20 Kentucky Homeowners Insurance youcomparequotes 6198
19 Kentucky Home Insurance youcomparequotes 6589
18 Kansas Homeowners Insurance youcomparequotes 6793
17 Iowa Homeowners Insurance youcomparequotes 6238
16 Indiana Homeowners Insurance youcomparequotes 6592
15 Illinois Home Insurance Quotes youcomparequotes 7301
14 Idaho Home Insurance youcomparequotes 6439
13 Hawaii Home Insurance youcomparequotes 6476
12 Georgia Home Insurance youcomparequotes 6566
11 Florida’s Home Insurance Headache youcomparequotes 7871
10 Florida Home Insurance Quotes youcomparequotes 6519
9 Delaware Home Insurance youcomparequotes 6104
8 Connecticut Homeowners Insurance youcomparequotes 6385
7 Colorado Home Insurance Information: Protecting Your Personal Rocky Mountain Paradise youcomparequotes 10950
6 Colorado Home Insurance Information youcomparequotes 7089
5 California Home Insurance youcomparequotes 6592
4 Arkansas Home Insurance youcomparequotes 6709
3 Arizona Home Insurance Quotes youcomparequotes 7637
2 Alaska Homeowners Insurance youcomparequotes 6349
1 Alabama Homeowners Insurance youcomparequotes 6367
XE Login