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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.

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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!



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