As a New Hampshire Realtor® who works with buyers and sellers every day, I always keep an eye on the hidden costs of homeownership. One of the biggest, and often most overlooked expenses is homeowners' insurance.

Here’s some great news for Granite Staters- New Hampshire homeowners, pay the lowest insurance premiums in the entire country. According to a recent analysis published by Yahoo! Life, New Hampshire’s average annual homeowners insurance premium is about $1,002 and that’s $1,421 less than the national average of $2,423 (Yahoo! Life).

MoneyGeek’s research backs this up, noting that our state’s rates are consistently well below what most Americans pay. Their study highlighted that the affordability of insurance in New Hampshire stems from relatively low risk factors: fewer hurricanes compared to coastal states, less wildfire danger than the West, and crime rates that are lower than the national average (MoneyGeek). Other industry sources agree. Insure.com’s 2024 survey placed the New Hampshire average around $1,209 annually, which is still dramatically lower than the U.S. norm (Insure.com).



As a home buyer, when you’re running the numbers on affordability, every penny counts! While property taxes, utility costs, and maintenance vary from town to town, our state’s low insurance rates give New Hampshire homeowners a real financial advantage.

For families relocating from higher cost states like Florida, Texas, or California, this can translate into thousands of dollars saved over the life of a mortgage. That affordability makes New Hampshire even more attractive, whether you’re buying your first home, upgrading to something larger, or investing in a second property. Your money goes farther here in the "Live Free or Die" state.