Best Renters Insurance New Hampshire / Compare Costs & Coverage In NH

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Best Renters Insurance New Hampshire

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Location is the #1 factor in determining the cost of your renter’s insurance

So it makes a lot of sense for you to search Best Renters Insurance New Hampshire if you need a policy. 

However, a New Hampshire Renters Insurance search can take a lot of time and leave you frustrated with unanswered questions. 

But, it doesn’t have to be that way. 

Finding cheap NH Renters Insurance can be a simple process that can be completed online today in just a few minutes. 

We’ll review everything you need to know about the cost and coverage's and where to get the best Renters Insurance in New Hampshire online.

Update: 2021 New Hampshire Renters Insurance Review

If you are looking for renter’s insurance, you want to ensure that you get the best deal and coverage. New Hampshire has several options for insurance, and they all have different prices. It can be a bit unclear if it’s your first time getting renter’s insurance! 

This report will give you details on the best insurance policy for your NH renter’s insurance. The companies are ranked by the best deals, and you can see more information, pros and cons, and plan outlines. We’ve researched so you can buy a policy knowing that you’ll be in good hands. 

What Factors Determine a New Hampshire Renter’s Insurance Rate? 

Several factors determine a renter’s insurance rate. It’s affected by location, security, and building location. In New Hampshire, your renter’s insurance will vary depending on where you live, what kind of building you live in, and how secure your belongings are. The most significant factor for NH renter’s insurance is the building you’re renting. 

You’re not paying insurance on the apartment block itself — you’re insuring the things you own inside of it. New Hampshire rates change depending on the size of the building and its location. If your building is smaller, has fewer units, or is in a worse part of town, your premium will be higher.

Can A Landlord In New Hampshire Require Renters Insurance? 

It doesn’t matter if you live in Manchester, Nashua, or Concord, landlords can be a pain. 

A question we are often asked by soon to be tenants, is, ‘Can a landlord in New Hampshire require renters insurance?’

The simple answer is Yes. 

If NH renters insurance is included as a requirement in your lease, you must comply with those terms and buy rental coverage. 

This isn’t necessarily a NH thing because the answer to, ‘Is renters insurance required in New Hampshire?’ It is the exact opposite. 

No, New Hampshire does not require renters insurance, but with 9% of people in New Hampshire renting, it makes a lot of sense to protect your self and your stuff. 

A good place to start would be by determining What Is Renters Insurance And Why Do I Need It.

FREE Renters Insurance Quotes - NH - Cities

Location is the biggest factor in determining the cost of your renters insurance.  You can save money by getting a quote from an insurance company near you. 

Select Your City Below

What Is The Best Renters Insurance In New Hampshire?

It is estimated that the State of New Hampshire has over 120,793 renters, and every one of them should be looking for the best renters insurance in NH

NH has the best renters insurance options offered by multiple, well known, and respected insurance companies. 

It doesn’t matter if you are in Manchester or Nashua to get the best NH renters insurance you will want to get the right coverage.

Several factors go into finding the best renters insurance in New Hampshire that will affect your policy. 

Your past insurance history, desired coverage amounts, the location of the rental, and this one may come as a bit of a surprise, but your credit score may also be considered.

You can learn more about the process in our article, How To Get Renters Insurance

Which Companies Offer Renters Insurance In New Hampshire?

What Does Renters Insurance Cover In New Hampshire 

Many NH residents in Dover and Rochester mistakenly believe that their Landlord’s insurance protects their personal items. 

This is not the case and is the reason you need to know, ‘What does renters insurance cover in New Hampshire.’

NH Renters Insurance covers personal loss due to fire, theft, or vandalism. 

A New Hampshire Renters Insurance policy will also cover your liability if a guest is injured on-premises or you damage the Landlord’s property. 

A Renters Insurance New Hampshire policy does not cover your personal possessions that may break by accident or normal wear or tear. 

Get a much more complete answer to in our article,  What Does Renters Insurance Cover.

Coverage Type

What It Should Cover...

Personal Property

This coverage is for your personal stuff, clothes, electronics, furniture, etc. Should cover up to policy limits.


This will cover you if you accidentally damage your Landlords property or a guest is injured and it is your fault.

Additional Living Expenses

If your place is damaged so bad you can't stay, you will be reimbursed for things like hotel bills.

Recommended Amount Of Renters Insurance In New Hampshire?

It is difficult to recommend the amount of New Hampshire renters insurance you may need.

This is because the factors that go into deciding on your coverage amounts are particular to each individual. 

Location plays a significant factor in the recommended amount of renters insurance in New Hampshire

This is because if you live in Manchester, Nashua, or Concord, you may need more or less based on the value of the property you are renting. 

The bottom line is you should probably buy as much insurance as you can comfortably afford based on the value of your personal possessions. 

We get a lot more in-depth in helping you make this decision in our article How Much Renters Insurance Do I Need.

How Much Is Renters Insurance In New Hampshire 

The cost of renters insurance in NH depends primarily on your coverage's and the location of your rental. 

Answering the question of, ‘How much is renters insurance in New Hampshire’ would be difficult without knowing your personal situation and preferences. 

However, renters insurance New Hampshire costs on an average annual basis of $149.00

The average cost of renters insurance in New Hampshire monthly is $12.42, which is very affordable. 

Keep in mind to determine how much is renters insurance in NH your rental location could make these average costs much higher or lower.

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Cheapest Renters Insurance NH

It would help if you didn’t live in places like Manchester, Nashua, and Rochester to get the cheapest renters insurance in New Hampshire. 

Location plays a huge role if you want to get cheap renters insurance NH

That means places like Concord and Dover may be cheaper because the property values should be less. 

Two other factors will help you get the cheap renter’s insurance New Hampshire, which includes your insurance claim history and your credit score. 

If you are living in a relatively cheap property with no rental claims and a good credit score, expect the cheapest renters insurance in NH.

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