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New Hampshire Home Insurance

New Hampshire home insurance provides the much needed property damage coverage for your home. There are many different policies for you to choose from, but only two that are common to single family homes. The basic policy, known as the HO-2 policy, provides coverage against damages caused by the following perils: fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. The broad HO-3 policy offers bodily injury liability and added property damage coverage for your home. When you purchase a home and have a mortgage loan, the lenders usually require you to carry New Hampshire home insurance for the duration of the loan.

New Hampshire Home Insurance Rates

In New Hampshire, strong thunderstorms and heavy winter snows and ice can cause damages to home. In certain areas, the prevalence of these perils can increase the home owner insurance rates. When reviewing your New Hampshire home owners insurance policy, be sure to check the “exclusions” section to see what may or may not be covered by your policy.

New Hampshire home insurance rates are below the national average. In 2003, homeowners paid on average $539 for their insurance. This was an increase of 21.4% from 2001 to 2003.

Saving Money

Many New Hampshire homeowners wish to reduce their premiums. There are many tried and true ways to lower your premium. For instance, you could raise your deductible to shave dollars off your annual premium. Or you could purchase more than one policy through an insurance provider. Most insurance companies offer a discount for that. Of course, the most important thing is to shop around before buying your New Hampshire home insurance.

New Hampshire Insurance Department

New Hampshire Insurance Department
21 South Fruit Street
Suite 14
Concord NH 03301
Phone: (603) 271-7973


For other New Hampshire Insurance Resources, See:


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