"According to the American Community Survey (ACS) data from the U.S. Census Bureau , New Hampshire homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average the same $1,000-$1,499. Overall statewide costs also fall into the $1,000-$1,499 range. New Hampshire has 414,145 insured homeowner households in total-250,792 with a mortgage and 163,353 without."
"Compared with nearby states, New Hampshire remains affordable. Maine homeowners with a mortgage typically pay $1,000-$1,499, but those without average even less at $800-$999. Vermont is similar to New Hampshire, with mortgaged households paying $1,000-$1,499. By contrast, Massachusetts homeowners with a mortgage average $1,500-$1,999, while Rhode Island falls into the same higher range. Connecticut is also more expensive, with mortgaged owners paying $1,500-$1,999. This places New Hampshire among the most affordable New England states for homeowners insurance."
New Hampshire homeowners typically pay $1,000–$1,499 annually for homeowners insurance regardless of mortgage status. The state has 414,145 insured homeowner households, including 250,792 with a mortgage and 163,353 without. Among mortgaged owners, 18,790 pay less than $100 annually and 10,210 pay $4,000 or more; among non-mortgaged owners, 22,541 pay less than $100 and 4,774 pay $4,000 or more. Neighboring states show mixed costs: Maine and Vermont are similar or lower for some groups, while Massachusetts, Rhode Island, and Connecticut have higher typical premiums. Climate-exposed metros face much larger insurance burdens, exemplified by Miami’s $22,718 average annual premium.
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