NH property insurance is similar to that of other states. The standard coverage must be at least enough to cover the cost of rebuilding your home. It must also include the cost of replacing all your personal belongings in the event you lose everything in a fire.

House insurance rates in New Hampshire do vary greatly depending on certain factors. It is fundamental that you choose the right coverage for your needs. Cutting corners could be detrimental since your home is the center of your life and one of your biggest assets: covering costs out of pocket is not a risk worth taking.

There are many home insurance companies in New Hampshire ready and willing to offer their services. To choose the right one for your needs, remember to consider the following:

1. Make sure standard coverage is enough to protect your home.

2. Consider various types of additional New Hampshire home insurance options and decide whether they would be worth the additional cost.

3. Find out if there are ways to save on the cost of insurance without compromising the quality of your coverage.

Action Steps
The best contacts and resources to help you get it done

Consider standard coverage under New Hampshire homeowners insurance.

There are a number of different NH property insurance policies available with standard coverage, including broad and comprehensive. Comprehensive policies cost more, but cover damage to your home regardless of how it was caused. Broad coverage reimburses you for damage that results from a specific list of perils. To protect yourself from a lawsuit, any policy you buy should reimburse injury to others.

I recommend: See Liberty Mutual's extensive FAQ page as a good resource. New Hampshire Home Insurance is a broker option that will help expand your search for property insurance companies in NH.

Consider additional coverage for home insurance in New Hampshire

New Hampshire homeowners insurance does not include coverage in the event of a flood or earthquake. These would have to be added separately. Also, if you work from home, you may have to include additional protection to cover yourself against lost wages.

I recommend: Check out Brownell Insurance Center for a clear listing of additional options for coverage. They also offer policy discounts.

Determine the cost of your home insurance in New Hampshire

There are certain criteria that determine the cost of your NH homeowners insurance. For example, the location of your home, how it's built and its features are important factors. Providers also take into account whether your home is located in a high or low-crime area, whether there's a fire risk, and if it's located near a fire hydrant or fire station.

I recommend: MetLife's website offers examples of money-saving opportunities to review and compare.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  If you are looking for accurate idea of how much coverage you need for your New Hampshire property insurance, consider an appraisal. You would also need to make a list of your personal items.
• •  If you have a camcorder, take a tour around your home taping your personal possessions. Just be sure you keep the tape outside of your house in case it's destroyed.