Homeowners Insurance: New Hampshire

Living in New Hampshire, you’re most likely use to the cold temps and cruel wind that New England winters can bring. However, unlike you, your home can’t hide from the snow and ice, so protecting it is important. Having a good homeowners insurance policy will help make sure you’re covered not just in the winter, but all year long. It doesn’t matter if you live in Manchester, Nashua, Concord or Rochester – at The Hartford, we’ll make sure you get the coverage your unique home needs. We’ve worked hard to provide New Hampshire residents with great home insurance coverage for years. To learn more about home insurance in the Granite State, get a quote today.

 

Your NH homeowners insurance policy comes with standard coverages, like:

 

Other structures coverage, which helps protect structures on your property that do not connect to your home. So, if a storm damages your detached garage, this coverage can help cover your insurance claim and pay to fix the damage.

 

Personal property coverage to help cover personal possessions in your home if they’re damaged or ruined.** This includes your furniture, clothing and appliances.

 

Dwelling coverage which helps cover your home and the buildings attached to it. This coverage protects your home’s:

 

Medical payments coverage for help paying medical bills for an injury that occurs at your home. For example, if your guest twists their ankle on the stairs, this coverage helps pay their medical bills.²

 

Loss of use coverage to help pay living expenses if you’re forced to leave your home temporarily while it’s repaired.** So, if a kitchen fire damages your home and forces you to stay in a hotel, this coverage can help pay the bill.

 

Liability coverage which can help pay for your legal defense and court judgments if someone sues you due to bodily injury or property damage. For instance, if you chop down a tree on your property and it falls on your neighbors house or garage, this coverage can help pay their repairs.

 

If you’re looking to customize your NH home insurance policy beyond these coverages, we offer even more support. We know there are all different types of New Hampshire homes and we’re here to help not just insure your house, but your personal belongings inside of it. Our representatives can go over the coverage options you can choose from to make sure your property is best protected.

 

The total cost of insurance in New Hampshire varies based on a number of factors. According to the Insurance Information Institute (III), the average NH premium is typically less than the national average, but insurance rates do vary by state and zip code and can change each year. And while the rates have continued to rise over the years, there are some things you can do to reduce your overall cost.

 

To save even more money, consider shopping around for the best homeowners insurance quote, just be sure you’re getting them from a licensed insurance company, like us. For years, we’ve been providing home insurance coverage throughout the country and protecting New Hampshire homeowners across the state. You can count on our representatives to provide the best customer service possible. Get your home insurance quote online or call our specialists at 888-413-8970.