Manchester Insurance Rates:

Manchester, NH home insurance is about $595 to $805, about $49-$67/month. Our thorough research indicates shoppers can save as much as $280 by getting different quotes

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Manchester, New Hampshire Homeowners share details on the cheapest & most trustworthy home insurance companies for you to compare & get great deals.

Manchester Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $710/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

2 Beds, 2 Bath 1600 sqft Rental Property Constructed In 1981 with Wood Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male who is Retired with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $70/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1080 sqft Vacation Property Constructed In 1990 with Stone Flooring, Tile Roof, Crawl Space Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $700/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1510 sqft Vacation Property Constructed In 1947 with Stone Flooring, Tile Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Divorced Female who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1110/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Bath 2060 sqft Vacation Property Constructed In 1960 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $900/6 months for $200,000-$250,000 Coverage
Policy Holder Home Details :

Home Value : $285,000

3 Beds, 3 Baths 2133 sqft Primary Residence Constructed In 1951 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

48 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Manchester Rates & Quotes Analysis:

Manchester Area Estimated House Insurance
State Rte 28 Byp, Bosse Ave, Perimeter Rd, Wagner St, Merrill St, Red Coat Ln, Chapleau Ave, Tufts St, Gerard Dr, Long Pond Brook Way$709
Hazelton Ct, Congressional Ln, Leewood St, N Bay St, Shasta St, Harvell St, Canal St, Hamblet St, Hayward St, English Village Rd$691
Coolidge Ave, Karin St, Magnolia Rd, Mary Ann Rd, Paquette Ave, Fremont St, Mercier Ave, Shirley Hill Rd, Windflower Dr, Gertrude St$717
Garland Ave, Ferndale St, Cilley Rd, Ivywood Ln, Cutler Ln, Devco Dr, Hillside Ave, 7th Ave, Blossom St, Waldo St$698
Sylvan Ln, Watts St, Highland Ln, W Webster St, Kenney St, Liberty St, Wellington Rd, Salmon St, Tondreau Ct, S Taylor St$703
Esty Ave, Raymond St, Kalisz Ln, Purchase St, Haines Ct, Hoyt St, Warren St, S Beech St, Old Falls Rd, Ruth Ave$692
Alsace St, Vernon St, Manhattan Ln, Leclerc Cir, Bethel Ct, Greenfield St, Taylor St, Blackstone St, Morin St, Westland Ave$688
Constant St, Jewett St, Barrett St, Eagle Nest Way, Holt Ln, Ingalls St, Conant St, Bremer St, Garlact Ave, Arline St$692
Prince St, Dewey St, Youville St, Falcon Crest Way, Tennyson Dr, Alfred St, Bernice Ave, Moses St, Whitney Ave, Hamburg St$701
Readey St, Bildor Dr, Blackberry Way, Woodcrest Ct, Kenney St, Summerside Ave, Sunnyside St, Precourt St, Whalley Rd, Valley West Way$702

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,572 Homes (38% of total) built between 1939 or earlier in Manchester are paying home insurance between $1,500-$1,510 and differs from South Hooksett (+$19), Auburn (+$57), Bedford (+$101), Pinardville (-$15) and Suncook (-$16).
  • Bedrooms: 8,315 1 bedroom homes (17% of total homes ) in Manchester are paying about $343 and differs from South Hooksett (+$5), Auburn (+$15), Bedford (+$24), Suncook (-$3) and Bennington (-$6).
  • Auto Insurance Bundling: 4,601 Households (20% of all households) in Manchester have 3 or more vehicles available and when it is bundled with home insurance you can save $175 compared to South Hooksett ($177), Pinardville ($173), Auburn ($182).
  • Senior Discounts: 9,804 seniors (more than 55 years) occupied housing units (44% of total) in Manchester get discounts between $104 to $107. The comparative concessions in proximate regions such as South Hooksett, Pinardville and Auburn are $106, $104 and $109 respectively.
  • New Homes discounts: New homes such as the 11,022 homes built between 2000 to 2009 in Manchester can save $140 and similar new home insurance discounts in nearby towns and cities like South Hooksett, Pinardville and Auburn are $142, $138 and $145 respectively.

Manchester Homeowners insurance Facts

  • Manchester, NH has 22,196 owner occupied houses which is 49.9% of all units whereas South Hooksett, Pinardville and Auburn have 91.47%, 67.32% and 92.45% respectively.
  • Manchester, NH homeowners yearly insurance price at $700 is 0.31% of the typical house value of $223,700 which is in contrast with 0.28% in South Hooksett, 0.34% at Pinardville & 0.23% in Auburn.
  • Homeowners in Manchester, NH pay 1.87% of their income ($35,000 to $39,999) in insurance whereas homeowners in South Hooksett, Pinardville and Auburn pay 1.89%, 1.85% and 1.94% respectively.
  • Manchester, NH’s insurance is 3.1% of monthly housing costs of $1,894/month, for owners with a mortgage compared to 2.49% in South Hooksett, 3.35% at Pinardville & 2.88% in Auburn. But, for households without a mortgage, insurance is 8.3% of costs ($700 in Manchester, NH) in contrast with 8.23% in South Hooksett, 7.66% at Pinardville & 8.59% in Auburn.

Manchester, NH Home Values & Insurance rates

For example, insurance for 2,627 Homes (12.0% of total homes ) valued between $175,000 to $199,999 in Manchester, NH is about $581. Rates in nearby areas in such as South Hooksett, Auburn, Bedford are cheaper by $63, $151, $215 respectively while Pinardville and East Merrimack are costlier by $57 and $50 respectively for similar homes.

Manchester, NH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 476 2.0% $77
$90,000 to $99,999 323 1.0% $294
$100,000 to $124,999 851 3.0% $343
$125,000 to $149,999 1,007 4.0% $427
$150,000 to $174,999 2,410 11.0% $504
$175,000 to $199,999 2,627 12.0% $581
$200,000 to $249,999 6,429 30.0% $700
$250,000 to $299,999 4,168 19.0% $861
$300,000 to $399,999 2,663 12.0% $1092

Renters Insurance in Manchester

  • Average Renters Insurance in Manchester :  $130($10/month)

  • Median Gross Rent in Manchester :  $979

  • Manchester Renters Insurance to Median Rent Ratio:  1.02%

  • Renter occupied housing units in Manchester :  22,299

Manchester Renters Insurance as a Percentage of Rent

Manchester Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 388 1.0% $332
$200 to $299 973 4.0% $782
$300 to $499 950 4.0% $1232
$500 to $749 2,313 10.0% $1907
$750 to $999 6,877 31.0% $2657
$1,000 to $1,499 8,402 38.0% $3782
$1,500 or more 1,918 8.0% $5432

Rent Affordability in Manchester:

Approximately 42.0% (9,556) of households are spending more than 35% of their income on gross rent in Manchester

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,485 11.0%
15.0 to 19.9 percent 2,634 11.0%
20.0 to 24.9 percent 2,474 11.0%
25.0 to 29.9 percent 2,822 12.0%
30.0 to 34.9 percent 2,328 10.0%
35.0 percent or more 9,556 42.0%

Manchester Renters Insurance Discounts:

Manchester Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Manchester, NH Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 11,581 51.0% $13.0
2 vehicles available 6,159 27.0% $19.5
3 or more vehicles available 1,108 4.0% $26.0

Protective device discount in Manchester Up to :  $19

Claims-free discount in Manchester Up to :  $26