New Hampshire Homeowners Insurance

Living in the Granite State

The first European settlers arrived in New Hampshire in 1623. Over the past 400 years, New Hampshirites have developed their own brand of New England living. If your home is up in the White Mountains, near the capitol in Concord, over in Keene or out on the coast, wherever you live in New Hampshire Safeco offers insurance coverage for your home in the Granite State. When considering home insurance coverage in New Hampshire, keep in mind how the climate and severe weather of New England can adversely affect your home and property. Talk to your local Safeco insurance agent about coverage that is right for you and get your New Hampshire home insurance quote today.

New Hampshire Home Insurance Choices

Safeco Essential™

A home insurance policy with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers New Hampshire homeowners an affordable blend of coverage and value.

Safeco New Quality-Plus™

For New Hampshire homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

For New Hampshire homeowners who need additional coverage for extensive assets and treasured belongings Safeco Optimum™ offers increased levels of protection.

Safeco Ultra™

Our highest level of home insurance coverage available, Safeco Ultra™ includes the most coverage enhancements and the highest limits for homes in New Hampshire.

New Hampshire Home Insurance Discounts

Safeco offers several ways for New Hampshirites to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about home insurance discounts in the Granite State.

Advance Quote Discount

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your New Hampshire homeowners insurance quote today and start saving tomorrow.

New Hampshire Home Insurance Coverage Options

All Safeco New Hampshire homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Granite Staters have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Bacteria, Fungi, Wet or Dry Rot

Extend your coverage for bacteria, fungi, wet or dry rot damage in amounts up to $25,000 or $50,000.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base New Hampshire homeowners insurance policy.

Earthquake Insurance

Earthquake coverage is available in New Hampshire for frame, masonry veneer and solid masonry homes.

Home Business

Coverage for some types of home-based businesses such as piano teachers, tutors and accountants can be added to your New Hampshire homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in New Hampshire

Flooding in New Hampshire

Heavy winter snowfall melting in spring has the potential to overwhelm New Hampshire rivers and streams that results in flooding. Large amounts of rain in a short period of time can cause flash flooding that threatens New Hampshire communities.

Is flood damage covered by home insurance in New Hampshire?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Thunderstorms, Lightning and Hail

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Does home insurance cover lightning strikes and hail damage?

Most lightning and wind damage associated with thunderstorms is covered by a standard homeowners insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Winter Weather in New Hampshire

With below freezing temperatures and several feet of annual snowfall, winter weather in New Hampshire has the potential to cause damage to your home and property. Common winter weather problems include frozen pipes, roof collapse from snow, damage from falling trees and branches, ice dam damage and cracked foundations.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Break tree branches that damage your home

Is home damage caused by winter weather covered?

Your home insurance policy typically helps cover the cost to repair common winter weather damage to your roof, plumbing and personal belongings.

Wildfires in New Hampshire

Wildfires can happen in any state through natural causes or human carelessness. The last large wildfire outbreak in New Hampshire occurred in the late 1940s.

Does home insurance cover wildfire damage?

Most standard home insurance policies cover the cost to repair common wildfire damage to your home and personal belongings.

Tornadoes in New Hampshire

Though not a frequent occurrence, tornadoes do occasionally touch down in New Hampshire.

Is tornado damage covered by home insurance?

Your standard home insurance typically covers the cost to repair damage caused by a tornado.

Earthquakes in New Hampshire

New Hampshire is not a state commonly associated with earthquakes, but they have been known to happen in the Granite State.

Does home insurance cover earthquake damage in New Hampshire?

Earthquake damage is an optional coverage for frame, masonry veneer and solid masonry homes in New Hampshire. Talk to your local Safeco insurance agent about adding earthquake coverage for your home in New Hampshire.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.