Home insurance cost in New Hampshire
About $1,500 a year, or $125 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$1,500
a year
A month
$125
Rank
6 of 51
1 = cheapest; −40% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Alaska | $1,385 | 4 |
| New Jersey | $1,480 | 5 |
| New Hampshire | $1,500 | 6 |
| Maine | $1,525 | 7 |
| Nevada | $1,635 | 8 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in New Hampshire?
About $1,500 a year, or $125 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in New Hampshire expensive?
New Hampshire ranks 6 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for New Hampshire: monthly budget · take-home pay · rent.