Best Cheap Renters Insurance In New Hampshire | Coverage In Minutes!

UpdatedJanuary 26, 2024

Top Pick:  Lemonade Renters Insurance

5.

lemonade insurance logo

Lemonade Renters Insurance makes getting an affordable renters insurance quote and applying online for coverage simple and easy. Rates from $5/month!

Key Features:

  • Get Covered 100% Online In Minutes
  • Temporary Living Expense Coverage
  • Replacement Cost Reimbursement
  • Zero Deductible, Extra Coverage Option
  • Personal Electronics Coverage

Ever been told you need renters insurance and not know where to start?  Well, if you're part of the 29% of people that rent in New Hampshire, then you're in luck!

We made this quick and easy guide to help you work through the daunting task of buying the best renters insurance in NH.

Finding places to get renters insurance quotes has never been this easy, and the application to approval process has never been faster. 

If you're looking for more than just affordable pricing and are also interested in quality protection from top-rated companies, then keep reading.

More Of The Best New Hampshire Renters Insurance Companies Below...

Best For Customizability


liberty mutual logo

Liberty Mutual is rated A+ by A.M. Best and known for their great customer service is our second pick. 

Click below to get an accurate quote.

Best For Discounts


progressive logo

Progressive is best for discounts and they have A+ ratings from both BBB and A.M. Best and is our third pick.
Click below to get an accurate quote.

Best For Educational Sources


quote wizard logo

QuoteWizard is an insurance marketplace that helps you compare quotes across several companies.

Click below to get an accurate quote.

How Much Is Renters Insurance In New Hampshire? 

The average cost of renters insurance in New Hampshire is $11.58 per month or $139 per year. New Hampshire renters insurance is more affordable than the annual U.S. average of $187 by $48 annually when renting an apartment or single-family home. 

Who Has The Cheapest Renters Insurance In New Hampshire? 

Lemonade has some of the best cheap renters insurance rates in New Hampshire, and they offer one of the easiest and fastest ways to get renters insurance coverage.

However, renters should compare rates and policies with multiple companies to ensure they get the best deal for themselves.

With Lemonade, you can also bundle your homeowners insurance and very soon bundle auto insurance policies as well to get even lower rates on your coverage overall.

What Factors Impact The Renters Insurance Premium?

The renters insurance cost in New Hampshire will vary depending on several factors such as:

Where you liveDifferent cities in New Hampshire will always have a different renters insurance rate, depending on environmental risks, such as fire and crime. If your home or apartment has security cameras or you live in a gated community, this could also reduce your cost.

Your deductibleA higher deductible usually means lower monthly payments. Would you instead pay less monthly and more at once, or would you instead pay more monthly and a lower deductible if you need to use your coverage? It depends on what is best for your budget and your personal belongings.

How much coverage you needWhat items are you covering? If your belongings have a value that exceeds the minimum coverage, you might want to increase the limit on your renters insurance policies. However, such a change might increase the cost of your renters' insurance. 

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid excessive sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

What Does Renters Insurance Cover In New Hampshire? 

Renters insurance covers your personal property and liability if you are legally liable for any injuries or damages caused to someone else. Below we go over each area of coverage in more detail.

Personal Property Coverage

Personal property coverage means that if something happens to your belongings, the insurance company will give you money to replace them at either cost or current value (depending on your type of policy).

Personal Liability

Personal liability insurance will cover you if someone decides to sue you after getting hurt at your house. The insurance company will pay the legal costs and any settlement to the injured party. 

Medical Payments

Medical expenses go hand in hand with personal liability protection. So, for example, if someone sues you because they hurt themselves at your house, this coverage will take care of their medical bills.

Loss Of Use (also called Additional Living Expenses - ALE)

Loss of use coverage means that if something happens to your home and cannot live there because of the damage, your insurance company will reimburse your living costs.

What Items Will Renters Insurance Cover In New Hampshire? 

In New Hampshire, renters insurance, also called personal property insurance, covers everything you own that’s portable, temporary housing if your home becomes uninhabitable, and injuries sustained by other people at your residence.

Coverage options include things such as:

  • Clothing
  • Computers
  • Other Electronics
  • Appliances
  • Jewelry (up to a limit)
  • Medical expenses and legal fees if someone is injured on your property
  • Accidental damage to someone else's property
  • Weather - damage from the weight of snow, frozen pipes, lightning, or windstorms.

What Type Of Damage Does Renters Insurance Cover In New Hampshire?

A renters insurance policy will provide low-cost coverage for you and your belongings for things like:

  • Fire
  • Riots
  • Smoke Damage
  • Vandalism
  • Theft
  • Windstorm
  • Water Damage
  • Visitor injuries
  • Vehicle impact (to property)
  • Damage from the weight of snow
  • Frozen Pipes
  • Lightning

What Does Renters Insurance Not Cover In New Hampshire? 

Renters Insurance usually will not cover anything outside your dwelling and might not cover property damage for all perils.

Below is a list of a few things usually not covered on your renters' policy:

  • Bed bugs and pests - The majority of renter's insurance policies will not cover damages associated with bed bugs, with limited exceptions. Along with other pests, such as rodents, they are considered a maintenance issue and are therefore ineligible for coverage under your typical renter's policy.
  • Earthquake and flood damage - Renters coverage does not usually include earthquake or flood damage. Still, if you live in a high-risk area and can't get earthquake or flood coverage through your renters policy, you'll need to purchase an additional policy for those perils. But, again, speak with your renters insurance company about these options, as they're often available to add-on.
  • Car theft or damage - If you own a car, the renter’s policy will not cover damage or theft. Your best option is to purchase a comprehensive insurance package that also protects your vehicle from collisions and weather-related damage. This way, your auto and renters insurance can work in tandem.

Will Renters Insurance Cover My Roommate In New Hampshire?

With such high housing costs, many New Hampshire residents have roommates to offset expenses. 

However, renters insurance does not cover any damage costs associated with your roommate's belongings unless they are listed on the policy, and you split the cost of renters insurance.

Renters insurance will cover anyone listed on the policy. Thus, if your roommate’s name is on the policy, they have coverage.

However, we would not recommend adding roommates unless they are related or a spouse. Adding a non-relative to your policy may save you some money, but it will split coverage among all those assigned to the policy.

So if your policy covers up to $20,000 in damage, you and your roommate would only be covered for up to $10,000 each.

Is Renters Insurance Required By Law In New Hampshire?

A renters insurance policy is usually not required by law in New Hampshire, although many landlords may require it for you to live on their property. The landlord’s insurance will only cover the building you live in, so it is wise to consider protecting your property with renters insurance.

Can A Landlord Require Renters Insurance Coverage In New Hampshire? 

Yes, a landlord can require renters insurance in New Hampshire. Since most landlords will make renters insurance required, a landlord can have you put their name or the property manager’s name as an “additional insured” individual on the policy and also may require a minimum amount of coverage.

How To Reach The NH Department Of Insurance?

The best way to contact the New Hampshire Department of insurance is by phone at (603) 271-2261 toll-free at (800) 852-3416 or via email at consumerservices@ins.nh.gov. 

You can reach the New Hampshire Department of Insurance at the below mailing address:

New Hampshire Department of Insurance

21 South Fruit Street, Suite 14

Concord, NH 03301

For more information about the New Hampshire Department of Insurance, you can visit their website at: https://www.nh.gov/insurance/contactus/index.htm

RENTERS INSURANCE WHERE YOU LIVE

Renters insurance by state.
As a home renter, there are insurance policies available for you.

With quality Renters Insurance, you can protect your home and everything inside it. For more information, click on your state.

AlabamaALAlaskaAKArizonaAZArkansasARCaliforniaCAColoradoCOConnecticutDelawareFloridaFLGeorgiaGAIdahoIDIllinoisILIndianaINIowaIAKansasKSKentuckyKYLouisianaLAMaineMEMarylandMassachusettsMichiganMIMinnesotaMNMississippiMSMissouriMOMontanaMTNebraskaNENevadaNVNew HampshireNew JerseyNew MexicoNMNew YorkNYNorth CarolinaNCNorth DakotaNDOhioOHOklahomaOKOregonORPennsylvaniaPARhode IslandSouth CarolinaSCSouth DakotaSDTennesseeTNTexasTXUtahUTVermontVirginiaVAWAWest VirginiaWVWisconsinWIWyomingWYVermontVTNew HampshireNHMassachusettsMAConnecticutCTNew JerseyNJMarylandMDHawaiiHIRhode IslandRIDelawareDE

Where Can I Apply For Renters Insurance In NH? 

Applying for renters insurance in New Hampshire is easy and can take just a few minutes. The best way to get quotes and apply for coverage is online because most companies have a free online process that will deliver a quote within seconds or minutes.

Here's how:

  1. 1
    Get Your Personal Information Together. You will need your name, address, and Social Security number. The online forms guide you through several questions to learn more about the rental you will be living in and what coverage you need. 
  2. 2
    View Your Instant Quote. Once you have your info, you want to click here or any of the above buttons to start the quote process. Once you have your quotes and pick the coverage option that works best for you, it's time to get covered.
  3. 3
    Start Your Online ApplicationOnce you have all of your personal information together, your next step will be to start the application. Again, this will be easy by just following the prompts after you complete your quote. 
  4. 4
    Pay For Your Policy & Print Your Proof Of Insurance. Once your policy has been approved and paid for, simply print out your proof of insurance, and you're covered.

THE SIMPLY INSURANCE WAY

Renters Insurance made easy.

Agents not required.

Get quotes and sign up online without talking to an agent. But, we are here if you need us. 

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid excessive sales calls.

Coverage in minutes.

You can get renters insurance coverage within minutes of getting your quotes and applying.

Taking Action

There are many options for renters insurance in New Hampshire, and we will help you find the best one.

Remember, even though renters insurance isn't required by law, your landlord or community may require you to have coverage before taking possession of your new home.

If you need coverage now, or you’re having trouble with your current coverage, or just want to explore all of your options, click here to get some instant quotes today.

Frequently Asked Questions


How much is renters insurance per month in New Hampshire?

Renters insurance costs $11.58 a month on average in New Hampshire, however, the average cost of renters insurance varies by the size and value of your rental property, so you might find renters insurance is cheaper if it's worth less than $100K or more expensive for those with larger properties worth over $400K. 

What is the best renters insurance in New Hampshire?

New Hampshire's best renters insurance company is Lemonade because they have some of the best coverage options, affordable premiums and can cover you in less than 5 minutes 100% online. Lemonade offers renters insurance in New Hampshire for as little as $11 per month.

Is renter's insurance worth it?

Yes, renters insurance is worth it because it protects your possessions and has other benefits such as paying for some personal property losses, such as the cost of repairing or replacing the furniture that is damaged by fire from a lightning strike. 

Will renters insurance pay for a hotel?

Yes, your renter’s insurance will cover the cost of a hotel if you cannot live in your home because of an emergency like flooding or an earthquake and can't find anywhere to stay. This provision is known as Loss of Use coverage and typically covers expenses such as hotel lodging, food, and spending cash on clothing.


EXPERT EDITOR & REVIEWER

Sa El

Licensed & Certified Insurance Agent

Sa El is the Founder of Simply Insurance and a licensed Insurance Agent with over 15 years of experience in the industry.  He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.