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New Hampshire Renters Insurance
Last updated: 2026 · Data reflects current estimated industry averages.
Avg. Annual Premium
$114
Avg. Monthly
$10
Legally Required?
No*
Credit-Based Pricing
Allowed
Primary Risk
Low Overall
Average Renters Insurance Cost in New Hampshire
Renters in New Hampshire pay an estimated $114 per year ($10/month) for a standard policy, based on 2026 industry average data.
Renters Insurance Rates by City in New Hampshire
| City | Est. Annual Premium |
|---|---|
| Manchester | $121/yr |
| Nashua | $117/yr |
| Concord | $108/yr |
What Makes New Hampshire Renters Insurance Unique
New Hampshire's low crime rate and minimal hurricane exposure make it one of the cheapest states in New England for renters insurance.
Risk Factors Specific to New Hampshire
Underwriters in New Hampshire weigh a generally low frequency of weather and crime-related claims more heavily than in lower-risk states when pricing renters policies.
Renters Insurance Compared With Rent in New Hampshire
The median gross rent in New Hampshire was $1,558 a month in 2024 (U.S. Census Bureau, American Community Survey), 5% above the national median of $1,487. Against that, our estimated renters premium of $114 a year — about $10 a month — equals roughly 7% of one month’s rent for a full year of coverage, one of the ten lowest share among the 50 states in our estimates.
The Coverage Detail That Matters Most in New Hampshire
New Hampshire’s low weather and crime risk is why premiums are modest, which makes it cheap to raise limits. Liability coverage — which pays if a guest is hurt in your unit or you accidentally cause damage, such as an overflowing tub flooding the unit below — often costs only a few dollars more per year to raise from $100,000 to $300,000.
Frequently Asked Questions
How much is renters insurance compared with rent in New Hampshire?
With a median rent of $1,558 a month (2024) and an estimated premium of $114 a year, a full year of renters insurance in New Hampshire costs roughly 7% of one month's rent.
Related Tools
- → Renters Insurance Calculator — Estimate your coverage needs and costs
- → Home Insurance Calculator — For homeowners comparing coverage
- → Umbrella Insurance Calculator — Extra liability protection beyond renters limits
Related Articles
All New Hampshire Insurance Guides
Compare requirements, average costs and state rules across every line of coverage in New Hampshire.
*No U.S. state legally mandates renters insurance, though individual landlords may require it as a lease condition. The information on this page is provided for general informational purposes only and reflects estimated industry averages as of 2026. Insurance rates change periodically; always verify current pricing with a licensed insurance professional. City-level and statewide premiums shown are approximations — individual rates will vary based on personal factors.