Home Insurance Cost Calculator
in New Hampshire

Homeowners insurance in New Hampshire typically costs between $ and $ per year for a standard HO-3 policy. Premiums vary based on home value, age of the home, coverage level, deductible amount, and local risk factors like weather and crime rates.

An HO-3 policy is the most common type in New Hampshire and covers your home on an open-perils basis but covers personal property only for named perils. An HO-5 policy provides open-perils coverage for both the home and personal property, offering broader protection at a higher premium -- typically 15-25% more than HO-3 in New Hampshire.

Raising your deductible can significantly lower your premium in New Hampshire. Moving from a $500 deductible to a $1,000 deductible typically saves 10-15% on your annual premium. A $2,500 deductible can save 15-25%, and a $5,000 deductible can reduce costs by 25% or more compared to a $500 deductible.