icon-call
Find Your Agent
Search Please enter a zip code or agent name
Get A Quote arrow right

Essential

Why Home Insurance is Important in New Hampshire

Homeowners in New Hampshire must prepare for the unique environmental and seasonal risks that come with living in this beautiful state. Key risks include:

  • Winter Storm Damage: Heavy snow, ice buildup, and freezing temperatures can damage roofs, pipes, and other structures.
  • Flooding: Spring thaws and heavy rains, particularly in areas near rivers or low-lying regions, can lead to significant water damage.
  • Wind Damage: Severe winds and summer storms can cause damage to siding and roofs.

Coverage

What Does Home Insurance Cover in New Hampshire?

A typical home insurance policy in New Hampshire includes several essential protections for your property:

  • Dwelling Coverage: Protects the structure of your home against damage from incidents like fire, storms, or vandalism, ensuring repair or rebuilding costs are covered.
  • Personal Property Coverage: Covers the replacement costs of personal belongings such as furniture, electronics, and clothing if stolen or damaged both on- and off-premises.
  • Liability Protection: Protects you financially if someone is injured on your property or if you accidentally cause damage to someone else's property.
  • Additional Living Expenses (ALE): Covers temporary housing costs if your home becomes uninhabitable due to covered damage.

Options

Additional Coverage Options for New Hampshire Homeowners

Given the environmental and seasonal risks specific to New Hampshire, you may want to consider enhanced coverage options such as:

  • Flood Insurance: Standard home insurance policies typically don’t cover flooding. A separate flood insurance policy, like one from the National Flood Insurance program (NFIP), is crucial if you live near rivers, lakes, or flood-prone areas.
  • Ice Dam Protection: Ice dams can cause water to back up into a home’s roof and walls, so additional coverage may help address potential damage caused during harsh winters.
  • Extended Replacement Cost Coverage: Helps cover costs of replacing your home or belongings without depreciation, which can be crucial given fluctuating rebuilding costs.
  • Sewer Backup Coverage: With older infrastructure in parts of New Hampshire, adding protection against sewer or drain backups can save homeowners from costly repairs.

Get a Free Quote for Your New Hampshire Home Today

Don’t wait for the next storm, flood, or other unexpected event to strike. Whether you’re a first-time homeowner or reevaluating your current policy, Goosehead Insurance is here to ensure your New Hampshire home is properly protected. Click here below to compare policies and gain peace of mind knowing Goosehead has your back.

New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in New Hampshire?

The cost of home insurance in New Hampshire depends on numerous factors, including:

  • Location: Homes in low-lying or flood-prone areas may face higher premiums.
  • Home Age and Features: New or updated homes with modern safety systems may qualify for discounts.
  • Claims History: A history of frequent claims may lead to higher premiums.
  • Policy Deductibles: What you pay for your premium can be influenced by the amount of your deductible.

On average, home insurance premiums in New Hampshire range roughly between $700 and $1,000 per year. At Goosehead Insurance, we analyze policies from an extensive selection of insurers to secure the best coverage and value for your unique needs.

Save

How to Save on Home Insurance in New Hampshire

Lower your home insurance premiums without compromising coverage by following these key strategies:

  • Bundle Policies: Combine your home and auto insurance with the same provider for discounts.
  • Upgrade Home Safety Features: Security systems, fire alarms, and storm-ready materials can make you eligible for savings.
  • Maintain a Claim-Free Record: Avoiding unnecessary claims can reduce perceived risk and save you money.
  • Shop with Goosehead Insurance: We identify discounts and savings opportunities while tailoring coverage to your needs.

Choose Goosehead

Why Choose Goosehead Insurance for Your New Hampshire Home?

Goosehead Insurance is your trusted partner in protecting your New Hampshire home. Here are just a few reasons why homeowners rely on us:

  • Access to Top-Rated Insurers: We compare policies across the nation’s leading providers to find the optimal balance of price and coverage.
  • Custom Solutions for New Hampshire Risks: From snowstorms to spring floods, we craft coverage tailored specifically for New Hampshire’s unique environmental challenges.
  • Expert Guidance: Our licensed agents provide clear advice, answer questions, and guide you every step of the way with high-quality service.
  • Streamlined Process: We handle the comparisons, paperwork, and everything else, so you can enjoy a hassle-free experience.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

The Digital Agent is under maintenance

Please defer to our insurance type form to get in touch with an agent.