Who Has the Cheapest Renters Insurance Quotes in New Hampshire?

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Ryan Friend

July 30, 2019  •  5 min read

A New England state that has wonderful views and a strong personality, New Hampshire is home to 1.3 million people, many of them renters trying to do their best to live well and follow their dreams. And for those people who don’t want to be held back in the future by a potential fire, break-in, or other disasters, we recommend renters insurance to give you a fallback position should the worst happen. We found that they were very affordable in the state, and we found the cheapest options for you, so you don’t have to waste time doing just that.

Here are the five cheapest renters insurance providers operating in New Hampshire:

The Five Cheapest Quotes:

New Hampshire is a unique place, and regions within it are also unique. That means that rates won’t be the same for everyone depending on their living situation. Your experience might also differ slightly from what’s listed below, as we try to focus on the average expectations you should have.

The number listed next to each provider is the average annual rate for a standard policy.

1) Allstate: $139

The cheapest option in New Hampshire and usually a cheap option throughout the country, Allstate is there to provide you with a standard level of protection for a very low rate, especially if you are willing to bundle insurances. They also offer optional personal umbrella insurance among a few other policies that might make them the best overall choice.

Unfortunately, by getting what will likely be the cheapest policy, you might have to sacrifice some degree of attentive customer service for this. Your rate also might go up greatly if you live in a high-crime area, so you’ll want to carefully check your quote.

You can expect the following working with Allstate:

  • Excellent water damage and flooding coverage options, both of which might be especially helpful if you live near the coast.
  • Good high-value item coverage, especially for the cost.
  • A stable infrastructure that will able to handle any claim or problem you may have.

2) Amica: $164 

Another cheap option that will be able to fulfill most people’s needs, Amica has the advantage of being known for providing excellent customer service. Not only this, but you will be able to take advantage of a wide array of bundling options, even for things like motorcycle and small business insurance.

Yet for all of their great service, Amica has the occasional issue with organization which might slow down an otherwise smooth insurance process. You also might not have too many customization options with Amica, and if this might be a dealbreaker for you, we encourage you to consider Nationwide or even State Farm.

You can expect the following working with Amica:

  • An easy to work with claims process.
  • Your satisfaction will be their top priority.
  • A range of standard coverages that takes into account just about any threat.

3) State Farm: $181

A great choice if you are looking for simplicity in your plan, State Farm is used to providing helpful yet basic policies to its customers, and millions of people across the country can’t be wrong. To further decrease your rate, we encourage you to look out for deals and bundles they offer to new customers.

Like Allstate, you might experience some customer service hiccups when working with them, but you’ll have to weigh that against the benefits they provide. They also aren’t usually the best choice if you’re looking for water and sewer damage coverage or a good flooding policy.

You can expect the following working with State Farm:

  • A fantastic loss-of-use policy that will make sure you always have somewhere to go should the worst happen to your apartment.
  • Better than average expensive items coverage if you happen to have a few particularly valuable things.
  • The limited ability to customize your coverage to your needs.

4) Liberty Mutual: $183

In many respects, you can look at Liberty Mutual as a marginally more expensive option that also fulfills the needs of anyone looking for a general plan they can rely on without much tinkering or customization. With them we found most people can simply get their insurance and go, keeping their policy in a folder (digital or physical) until it’s needed.

As great as they are, though, you might want to stick to State Farm or another provider if you’re looking to bundle, because outside of renters insurance they aren’t necessarily the best provider.

You can expect the following working with Liberty Mutual:

  • Plenty of partnership discount opportunities to keep your rate low, and chances are you work with or belong to one of their partners.
  • An above-average level of coverage in nearly every category you might be worried about.
  • A great and easy-to-use set of online quoting and informational tools.

5) Nationwide: $190

Normally Nationwide is a somewhat premium provider, more expensive than the competition in exchange for enhanced customization options and great service. While this is still technically true, Nationwide in New Hampshire is for most people extremely affordable, especially if you customize your deductible and take advantage of bundling opportunities.

Like Liberty Mutual, there aren’t too many disadvantages to working with them, but you may want to double-check their default coverages and make some adjustments to that based on what you see, as for some people they won’t be enough (especially on things such as jewelry).

You can expect the following working with Nationwide:

  • A free and optional yearly assessment of your insurance plan to see if it is providing you with coverage that suits you.
  • The option to customize coverage levels for specific types of items in your apartment.
  • Coverage that you can utilize even if your possessions aren’t in your apartment.


New Hampshire is a place where many people go to escape the world as they know it, but certain dangerous elements, such as the actual elements, remain. For these problems, renters insurance can be a key layer of protection so you can focus on your life. We ask that you consider your priorities in your apartment and review the above information when making your decision. Know that you can’t choose poorly if you do enough research. We hope that you find a good policy soon.