New Hampshire Home Insurance

Remember, each of these coverages is subject to a policy limit and exclusions, which are specified within your policy.

Homeowners insurance doesn’t cover flood damage, so it’s important to make sure you have the right protection in place if a flood occurs. Flood insurance is available through the federally backed National Flood Insurance Program. Many mortgage companies require it when a home is in or near a floodplain, but floods can happen anywhere. Adding this coverage can help you stay protected no matter where you live.

Additional home insurance coverage in New Hampshire

In addition to the coverages included in a standard homeowners policy, many New Hampshire residents choose to explore optional coverages that provide added protection beyond the basics. These additional coverages may help with:

• Enhanced protection for rebuilding or repairing your home, including extended replacement cost options.
• Coverage for specific parts of your home, such as roofs, siding or certain types of property.
• Protection for home systems and infrastructure, like buried utility lines or water backup.
• Added support for a covered loss, including debris removal or protections designed to reduce out-of-pocket costs after a major claim.

These coverage options can be added individually or combined in different ways depending on how much protection you’d like and what makes the most sense for your home. Learn more about common homeowners insurance coverages and how they work.

Customizing home insurance in New Hampshire 

After reviewing standard and optional coverages, you may be wondering how homeowners typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what homeowners in New Hampshire often select. Then, you can adjust and customize from there, choosing what feels right for your home and budget.

Essential

Core coverage that’s designed to meet the needs of many New Hampshire homeowners. Essential focuses on foundational protection for your home, belongings and liability. It’s a straightforward option that covers common risks without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and enhancements that go beyond a standard policy. It’s a good fit if you want extra flexibility and added protection for things like repairs, home systems or certain types of losses.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and additional safeguards. It’s designed to help reduce gaps in coverage and provide added confidence if a loss is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in New Hampshire. Explore coverage options with YourPlan.

What affects your New Hampshire home insurance rates?

Settling down in the Lakes Region or up in the Great North Woods can significantly influence insurance rates. Proximity to bodies of water and weather patterns are some of the factors that impact home insurance and play a role in determining costs.

Your home insurance policy should reflect your unique needs, including your home type, the value of your belongings and your desired level of coverage. While some rate factors, like repair costs or proximity to a fire station, may be beyond your control, you can manage your premium by exploring discounts or adjusting your deductible. Regularly reviewing your policy also helps ensure you’re not paying for coverage you don’t need and that your protection keeps pace with your life.

Save more with homeowners insurance discounts

There are several ways New Hampshire homeowners can save money on home insurance without compromising the quality of their coverage.¹ We offer home insurance discounts for:

• Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
• Automatic detection devices: Insure a home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount.
• New or remodeled homes: Receive a credit when you insure a new or remodeled home.

If these don’t apply to you, we also offer discounts for: 

• AutoPay: Receive a discount when you opt to pay your premium using automatic deductions.
• E-discount: Receive a discount when you sign up to receive policy information and bills electronically. 
• Paid in full: Save money when you pay the entire balance of your policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, New Hampshire homeowners who bundle their policies with Amica may qualify for a valuable multiline discount.¹

Facts and figures about New Hampshire

Common claims in New Hampshire:

The harsh winters in New Hampshire can lead to various types of damages to homes, and homeowners insurance typically provides coverage for many of these winter-related risks, subject to policy limits. Here are some common winter-related claims that homeowners may face in New Hampshire:

• Frozen pipes: When temperatures drop below freezing, water pipes in homes can freeze and burst, causing significant water damage. As long as heat in the residence was adequately maintained, homeowners insurance typically covers damage resulting from burst pipes, including water cleanup and repairs to the affected areas.
• Ice dams: Ice dams occur when snow on the roof melts and refreezes at the edges, forming a barrier that prevents water from draining properly. This can lead to water seeping into the attic or walls, and can cause damage to ceilings, insulation and interior spaces. Homeowners insurance may cover repairs for damage caused by ice dams.
• Roof damage: Heavy snow accumulation and ice buildup can put stress on roofs, leading to damage such as leaks or structural issues. Homeowners insurance typically covers roof damage caused by snowstorms or ice, although coverage may be subject to certain exclusions or limitations.

New Hampshire homeowners may want to consider purchasing supplemental coverage for specific risks, such as flood insurance even in areas that are not floodplains.

Fun facts about New Hampshire:

• New Hampshire has the shortest coastline of any U.S. state. Though it spans just 18 miles, it’s home to a popular summer destination: Hampton Beach.²
• A scene from the 1995 movie "Jumanji" – featuring animals stampeding down Main Street – was filmed in Keene.²
• With wind speeds topping 200 mph, Mount Washington is one of the windiest places on earth.²

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful New Hampshire.