New Hampshire Homeowners Insurance

How to Get Insurance Quotes for Your Home in NH

When it comes to selecting an insurance policy for your New Hampshire home, it’s a good idea to compare coverages. At Cross Insurance, we work with the nation’s leading carriers as well as regional insurers. With offices in New Hampshire and across New England, our agents are available for account management support. Contact us to request an insurance quote for your home.

new england home in the summer

How Much is Homeowners Insurance in NH?

When shopping for insurance for your home, gathering estimates on how much it may cost is an important step in the process. When getting a quote for your homeowners insurance, you can look at some of the factors that may influence what your insurance could cost. The following non-exhaustive list includes some of the factors that can affect your insurance costs:

  • Your home’s age and size.
  • Characteristics of your home.
  • The location of your home and the risks associated with the area.
  • What security features does your home have in place?
  • The coverage options and deductible you have chosen.

Home Insurance Terms You Should Know

A homeowners policy will typically include to dwelling, personal property, other structures, and liability coverages. Here is what each of those are referring to.

Dwelling Coverage: Commonly referring to the structure of your home, which can include porches, decks, or an attached garage.

Personal Property: Commonly referring to your personal belongings such as your furniture, appliances, electronics, and other items you own in your home.

inside interior of new hampshire home

Other Structures: Commonly referring to structures not attached to your home, such as a detached garage, fence, shed, or a swimming pool.

Loss of Use: Commonly referring to compensation that may be provided if your home is deemed unlivable due to a covered loss and you need to temporarily stay elsewhere for a brief period of time.

Liability Coverage: Can provide coverage if a guest or someone is injured while on your property.

Ways to Potentially Save on Home Insurance

One possible way to save on your home’s insurance is to invest in a security system.

Another possible way to save on your home’s insurance is a bundling discount. Many people who take advantage of this discount bundle their home and auto policies, but you can also typically bundle other coverages such as your home and motorcycle, or even your boat. To learn more on how you could bundle your insurance, contact your local Cross Insurance office today.

Renters Insurance in NH

If you are renting in New Hampshire, a renters insurance policy can help to protect your personal property. While typically a landlord’s insurance policy will only cover the building and property that the landlord owns, along with certain bodily injuries that the landlord is liable for, a renters insurance policy can help protect your personal property that you own such as your furniture, electronics, appliances, etc. An important note when shopping for renters insurance is that no two policies are the same. Review your policy with an insurance agent if you have questions on what is covered.

view of coastal apartments in new hampshire

Other Coverages to Consider

Our local offices can help you find coverage options for your home, but we also can assist you with coverage for your vehicles, motorcycleRV, ATV, and more. We also offer commercial insurance for businesses in a variety of industries including manufacturing, transportationtechnology, non-profit, medical, and others. Reach out to one of our local offices today to see how we can assist you with your insurance needs.



This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.


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