How you're covered

New Hampshire doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy’s coverages are designed to safeguard your property and assets. A typical policy will include the following:

  • Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
  • Other structures coverage protects detached structures, such as a fence or shed.
  • Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
  • Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
  • Medical payments to others pays for medical expenses due to a covered occurrence.
  • Loss of use coverage helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.

Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It is important to read your policy to understand the coverage provided.

Learn more about homeowners insurance coverages.

Common claims in New Hampshire

Windstorms, snowstorms, and freezing temperatures in the winter are the biggest sources of damage for New Hampshire homeowners. Your home insurance policy may cover damage to your home's structure and belongings caused by these situations up to your policy's limits.

Rising water levels can cause flooding issues for nearby homes and, in New Hampshire, melting snow can cause a significant flood risk in many areas. While flood damage is not covered by homeowners insurance, a separate flood insurance policy may protect your property and belongings against flood damage.

Helping you save

Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:

  • Alarm System
  • Multi-policy
  • Quote in Advance
  • New Purchase

Learn more about the home insurance discounts we offer.

How much is homeowners insurance in New Hampshire?

The cost of homeowners insurance can vary depending on where you live in the state, your home type, and your coverage limits. Learn more about the factors that affect home insurance pricing.

Fast facts about homes in New Hampshire

  1. 1. For a tiny state, New Hampshire has some enormous — and expensive — mansions. Some estates along the shore of Lake Winnipesaukee have been sold or listed in the eight-figure range. Learn more about the most expensive home in New Hampshire.

  2. At 71%, homeownership rates in New Hampshire are among the highest in the nation.

  3. New Hampshire has preserved several historically significant homes, including those from the signers of the Declaration of Independence.

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