Affordable Home Insurance in New Hampshire
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What drives home insurance rates in New Hampshire
Average homeowners premium, 2023
$1,300
The average homeowners policy in New Hampshire cost $1,300 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
52.3¢
Home insurers in New Hampshire paid 52.3 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
77
NOAA logged 2 tornado, 35 large-hail and 40 flash-flood event reports in New Hampshire in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#45
FEMA ranks New Hampshire #45 of 51 for expected annual loss from natural hazards; flood accounts for 70% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in New Hampshire
The ten insurer groups that wrote the most home premium in New Hampshire in 2025, with their share of the state total of $710 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Liberty Mutual Group | 12.35% | $88 million |
| 2 | State Farm Group | 11.66% | $83 million |
| 3 | Allstate Insurance Group | 8.29% | $59 million |
| 4 | United Services Automobile Association Group | 7.31% | $52 million |
| 5 | Farmers Insurance Group | 6.43% | $46 million |
| 6 | Travelers Group | 5.23% | $37 million |
| 7 | Vermont Mutual Group | 4.22% | $30 million |
| 8 | Andover Group | 4.13% | $29 million |
| 9 | American Family Insurance Group | 3.77% | $27 million |
| 10 | Auto Owners Group | 3.74% | $27 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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