In Manchester, N.H., Amica Mutual is the best home insurance overall, being the cheapest and offering the best customer service. Insurance companies cater to different needs, so we still recommend that you choose based on what's crucial to you. Factors like coverage, service and cost can influence your decision.
Best and Cheapest Home Insurance in Manchester, NH (2024)
Updated: December 19, 2024
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Best HomeInsuranceManchester, NHTable of Contents
Best Overall - Amica Mutual
Best for Service - Amica Mutual
Best Cheap - Amica Mutual
Cheapest Overall - Amica Mutual
Cheapest for High-Value Homes - Concord Group
Cheapest for New Homes - Amica Mutual
Why Trust MoneyGeek? We used data from New Hampshire's Department of Insurance and Quadrant Information Services to find the top homeowners insurance in Manchester. Our recommendations are backed by industry standards.
In Manchester, home insurance rates are indicative of the prime quotations as of September 2024.
691,200Quotes Analyzed
8Companies Compared
Overview: Best Home Insurance Companies in Manchester, NH
MoneyGeek found that Amica Mutual is the best option for home insurance in Manchester, N.H., with $100K dwelling coverage. It boasts a MoneyGeek score of 95 out of 100.
The scores for home insurance companies in Manchester for the best overall category range from 47 to 95. These scores reflect MoneyGeek's scoring system, so they might differ based on your credit history, the age of your home and other factors.
Data filtered by:Results filtered by:
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Category:Best Overall
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Coverages:1 - $100K Dwelling
| Amica | 95 | $489 |
| State Farm | 71 | $590 |
| Main Street America Insurance | 70 | $545 |
| Concord Group Insurance | 67 | $572 |
| Allstate | 60 | $615 |
| Farmers | 58 | $634 |
| Nationwide | 47 | $748 |
Overall Best Home Insurance in Manchester, NH
MoneyGeek found that Amica Mutual is the best option for home insurance in Manchester, N.H., for $100K dwelling coverage. The two best overall home insurance companies in the city for the same dwelling coverage are:
- Amica: MoneyGeek score of 95 out of 100 ($489 per year)
- State Farm: MoneyGeek score of 71 out of 100 ($590 per year)
Amica is the best home insurance provider for its affordability and high customer satisfaction. Although cost is an important factor when choosing home insurance in Manchester, you should also consider service quality, especially when making claims.
Best OverallAmica Mutual
MoneyGeek Score:
95/ of 100
Overview
Amica scores high in affordability and customer satisfaction. It offers comprehensive home insurance coverage with several coverages. Guaranteed replacement cost helps rebuild your home if costs exceed your policy limit, back-up of sewer or drain coverage protects against water damage from backups and personal property replacement cost ensures full replacement of your belongings if damaged in a covered loss.
You can save with discounts like continuously insured, which you can qualify for by staying with the same insurer for two years or more, and automatic payment.
Best Home Insurance for Customer Service in Manchester, NH
MoneyGeek found that Amica Mutual has the best customer service among home insurance companies in Manchester, N.H., for $100K dwelling coverage. The top two providers for $100K dwelling coverage are:
- Amica: MoneyGeek score of 89 out of 100 ($489 per year)
- Nationwide: MoneyGeek score of 67 out of 100 ($748 per year)
Amica has superior customer satisfaction and competitive pricing, making it the best choice for reliable service. Excellent service in home insurance combines responsive support, ease of claims and policy flexibility.
Best for Service QualityAmica Mutual
MoneyGeek Score:
89/ of 100
Overview
Amica scores high in customer satisfaction and coverage. It offers comprehensive home insurance with different coverages. Guaranteed replacement cost helps rebuild your home if costs exceed your policy limit, back-up of sewer or drain covers damage from water backup and scheduled personal property offers extra protection for valuable items like jewelry.
You can save with discounts like continuously insured, which you can qualify for by staying with Amica for two years. and bundling.
Best Cheap Home Insurance in Manchester, NH
MoneyGeek found that Amica Mutual is the best cheap home insurance option in Manchester, N.H. The top two best and cheapest homeowner insurance companies for $100K dwelling coverage are:
- Amica: MoneyGeek score of 97 out of 100 ($489 per year)
- Main Street America Insurance: MoneyGeek score of 77 out of 100 ($545 per year)
Amica stands out for its exceptional affordability and customer satisfaction. Opting for cheap home insurance can save you money, but it may not cover everything in an accident. In cases where saving on premiums is key, consider the most affordable companies or learn the average cost of homeowners insurance in New Hampshire. Best cheap insurance means a balance in cost and coverage, while the cheapest insurance focuses solely on price.
Best CheapAmica Mutual
MoneyGeek Score:
97/ of 100
Overview
Amica is the best cheap company because of its high affordability and satisfaction scores. It offers comprehensive home insurance with different rare coverages. Guaranteed replacement cost helps if rebuilding costs exceed your policy limit, personal property replacement cost covers your belongings anywhere in the world and loss assessment protects shared property in condos or gated communities.
You can save with discounts like continuously insured, which you can qualify for by staying with Amica for two years, and automatic payment.
Estimate Your Manchester Home Insurance Costs Online
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Rates updated:
Dec 23, 2024
Many factors, such as location, affect homeowners insurance in Manchester. To save on rates, compare quotes from three or more companies. This can take over an hour since it may require up to 15 minutes per company. MoneyGeek's home insurance calculator quickly helps you by focusing on key factors. Just enter age, coverage, credit score and deductible for an estimate.
Cheapest Home Insurance in Manchester, NH
MoneyGeek found that Amica Mutual is the best option in Manchester, N.H., for affordable dwelling coverage of $100K. The key choice affecting your home insurance premiums is the dwelling coverage you select.
- For $100K Dwelling Coverage: Amica: $489 per year
- For $250K Dwelling Coverage: Amica: $822 per year
- For $500K Dwelling Coverage: Concord Group Insurance: $1,470 per year
Amica offers the cheapest homeowners insurance in Manchester and also holds the top spot for $250K dwelling coverage based on affordability and customer satisfaction. Concord Group Insurance offers the best $500K coverage rate.
Purchasing cheapest homeowners insurance in New Hampshire can ease financial management by freeing up funds for other expenses.
Data filtered by:Results filtered by:
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Coverages:$100K Dwelling
| Amica | $489 |
| Main Street America Insurance | $545 |
| Concord Group Insurance | $572 |
| State Farm | $590 |
| Allstate | $615 |
| Farmers | $634 |
| Nationwide | $748 |
Cheapest Home Insurance for High-Value Homes in Manchester, NH
Concord Group Insurance is the best option in Manchester, N.H., for high-value homes with dwelling coverage of $750K. High dwelling coverage is important for homes that are costlier to replace, as home insurance costs rise with coverage.
- Cheapest for $750K Dwelling Coverage: Concord Group Insurance: $2,008 per year
- Cheapest for $1M Dwelling Coverage: State Farm: $2,579 per year
Concord Group Insurance stands out for its competitive pricing model. However, according to MoneyGeek, while it is the lowest-cost option, it may not rank best on other factors.
Data filtered by:Results filtered by:
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Coverages:1 - 750K dwelling
| Concord Group Insurance | $2,008 |
| Amica | $2,213 |
| Main Street America Insurance | $2,259 |
| State Farm | $2,446 |
| Allstate | $2,928 |
| Nationwide | $4,203 |
| Farmers | $4,259 |
Cheapest Home Insurance for New Homes in Manchester, NH
Amica Mutual is the cheapest option for new homes in Manchester, NH.
- Cheapest for $100K Dwelling Coverage: Amica: $321 per year
- Cheapest for $250K Dwelling Coverage: Amica: $488 per year
- Cheapest for $500K Dwelling Coverage: Amica: $905 per year
Amica is the most affordable provider in Manchester, offering significant savings on yearly premiums. It also provides great value, making it an excellent choice for those seeking budget-friendly insurance in the city. It is crucial to ensure you are adequately covered based on your needs.
Data filtered by:Results filtered by:
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Coverages:1 - $100K Dwelling
| Amica | $321 |
| Main Street America Insurance | $345 |
| State Farm | $355 |
| Farmers | $373 |
| Nationwide | $399 |
| Allstate | $434 |
| Concord Group Insurance | $444 |
How to Find the Best Home Insurance for You in Manchester, NH
The best cheap homeowners insurance providers in Manchester balance quality and cost, offering great customer service and coverage with affordable premiums, but it also depends on your needs. Consider factors beyond premiums, like coverage and customer service. Follow these steps to get the best cheap home insurance:
- 1
Evaluate your insurance needs
To determine how much home insurance coverage you need, assess the rebuilding costs of your home in Manchester and consider the value of your belongings and liability requirements.
- 2
Compare different providers
Look into insurance companies operating in Manchester. Focus on those with strong financial health, positive customer feedback and a history of reliable service.
- 3
Compare coverage and costs
Once you know your coverage needs, compare home insurance quotes. In Manchester, premiums for $100K dwelling coverage range from $489 with Amica to $748 with Nationwide.
- 4
Ask about discounts
Inquire with each provider about potential discounts you could qualify for, like those for bundling policies, safety features or maintaining a claims-free record.
- 5
Increase your deductible
Opting for a higher home insurance deductible can reduce your premium. Ensure the deductible is affordable for you in case of a claim.
- 6
Improve home security
Enhancing your home's security with alarm systems and sturdy locks can lower its risk profile and potentially decrease insurance costs.
- 7
Maintain good credit
Keeping a good credit score can influence your insurance rates in Manchester. Stay on top of bill payments and minimize outstanding debts.
- 8
Bundle policies
Consider combining your homeowners insurance with other policies, such as auto insurance. This strategy can result in substantial discounts and savings.
FAQ: Best Cheap Home Insurance in Manchester, NH
The best cheap home insurance provider in Manchester depends on your coverage needs and budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Manchester, N.H.
How much is home insurance in Manchester, N.H., on average?
The average cost of home insurance in Manchester is $479 annually.
What is the cheapest home insurance company in Manchester, N.H.?
The cheapest home insurance company in Manchester is Amica, with an annual premium of $489.
What is the best home insurance company in Manchester, N.H.?
The best home insurance in New Hampshire for Manchester residents is from Amica, with a MoneyGeek score of 95 out of 100.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.