How to Find the Best Home Insurance in New Hampshire

As you shop for home insurance in New Hampshire, it’s important to understand what’s covered in the policy. Most standard home insurance policies will include these coverage types:

• Dwelling coverage protects your home’s structural elements, like the walls, roof, and porch.
• Other structures coverage applies to the freestanding buildings on your property that aren’t attached to your home, like barns and sheds.
• Personal property coverage helps to cover damage to or loss of personal belongings inside your home, including electronics or furniture.
• Personal liability coverage helps to cover expenses that result if another person is ever injured on your property.
• Medical payments coverage helps to pay for medical expenses that could result if another person is ever injured while on your property.
• Loss of use coverage goes into effect if your house is ever damaged and uninhabitable during the repair process. This coverage applies to expenses you might face, like a hotel room or rental home.

While these standard coverages are a good starting point, they don’t always give you complete protection. Depending on your home’s risk factors, you might want to purchase additional, optional insurance for additional peace of mind.

• Earthquake insurance: Most traditional insurance doesn’t include earthquake coverage, but certain New Hampshire areas are at an increased risk of earthquakes. According to the Northeast States Emergency Consortium, the area north of Concord has been the most seismically active area in New England since the 1970s, so you might want earthquake insurance if you live in the area.
• Flood insurance: Flooding is common in New Hampshire, and standard insurance policies usually don’t include coverage for floods. If you’re in a particularly high-risk area, your mortgage lender might require you to purchase additional flood insurance.