Keene, NH Home Insurance - Analysis On Quotes, Rates & Agents
Keene Insurance Rates:
Keene, NH homeowners insurance is roughly $587 to $796, about $48-$66/month. Our complete research shows customers can save as much as $276 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Latest Home Insurance Reviews
TravelersThe coverage has been good for us since acquiring the policy and enough notice was given to renew the policy.
Amica Mutual InsuranceI dislike the fact that amica insurance is more expensive that than other companies, i understand why they charge more but would prefer to pay less.
NationwideThey are also very affordable. they have coverage prices to fit your needs and budget. you never have to worry about things getting too expensive.
Liberty MutualThere's not really anything I dislike about the company. Sometimes the app doesn't work and I need to uninstall and reinstall.
Liberty MutualI don't mind the emails that I receive. There aren't an overwhelming amount of emails to annoy me. I still get my policy by mail as I requested.
American Strategic InsuranceI've never had to call or interact with anyone at the company so, I cannot speak to their service
State FarmIt has risen every year and I have not made any claims. I feel that the rate at this point is higher than it should be.
Keene, NH Homeowners Insurance By Home Value
| Keene, NH Home Value | Total Homes | % of Total | Average Keene, NH Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 351 | 7.0% | $83 |
| $100,000 to $124,999 | 178 | 3.0% | $387 |
| $125,000 to $149,999 | 378 | 7.0% | $484 |
| $150,000 to $174,999 | 747 | 15.0% | $567 |
| $175,000 to $199,999 | 959 | 19.0% | $657 |
| $200,000 to $249,999 | 733 | 15.0% | $795 |
| $250,000 to $299,999 | 774 | 15.0% | $968 |
| $300,000 to $399,999 | 645 | 13.0% | $1231 |
Top Home Insurance Agents Near Keene, NH
| Home Insurance Company Near Keene, NH | Homeowners Insurance Agency Near Keene, NH | Address |
|---|---|---|
| Liberty Mutual Independent | Clark-Mortenson Agency Inc | 42 MAIN ST, WALPOLE, NH, 3608 |
| Allstate | Finn & Stone | 2 Chester Rd Ste 22 , Springfield, VT, 5156 |
| Travelers | Foy Insurance - Scarborough | 570 PEMBROKE ST, PEMBROKE, NH, 3275 |
| Travelers | Gosselin Insurance Agency | 1461 HOOKSETT RD STE 4, HOOKSETT, NH, 3106 |
| Travelers | Shamrock Ins Inc | 66 SOUTH STATE ST, CONCORD, NH, 3301 |
Cost Of Homeowners Insurance By Street Near Keene, NH
| Streets in Keene Area | Homeowners Insurance Cost |
|---|---|
| Phil Ln, Swanzey Factory Rd, Worcester St, Syd St, Bruder St, Coolidge St, May St, Island St, Salisbury Rd, Kirk Ct | $697 |
| Pender Ct, Starling St, Royal Ave, Davis St, Meadow Rd, Roxbury Ct, Dartmouth St, George St, Cypress St, Robbins Rd | $688 |
| Needle St, Concord Hill Dr, Bergeron Ave, Cypress Ct, Winchester St, Forge St, Brown St, Optical Ave, Court St, Hooper St | $709 |
| Roxbury St, Hurricane Rd, Marshall St, Fairfield Ct, Dump Rd, Crestview St, Court St, Harrison St, Aldrich Rd, Colorado St | $694 |
| Evans Ln, Newman St, Starlight Dr, Hart Pl, Imelda Ave, Wilford St, Prescott St, Carpenter Rd, Willow Ct, Bradco Rd | $691 |
Keene, NH Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Keene | $103 to $105 |
| Cheshire County | $103 |
| Roxbury | $105 |
| West Swanzey | $102 |
Keene, NH Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Cheshire County, New Hampshire | $104 | $138 | $207 |
| Roxbury town, Cheshire County, New Hampshire | $106 | $141 | $212 |
| West Swanzey CDP, New Hampshire | $103 | $137 | $206 |
Keene, NH Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Keene, NH | 3.2% | 6.6% |
| Cheshire County | 3.43% | 7.79% |
| Roxbury | 3.72% | 7.52% |
| West Swanzey | 4.87% | 8.64% |
Keene Renters Insurance as a Percentage of Rent
| Keene Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 110 | 2.0% | $336 |
| $200 to $299 | 153 | 4.0% | $786 |
| $300 to $499 | 284 | 7.0% | $1236 |
| $500 to $749 | 483 | 12.0% | $1911 |
| $750 to $999 | 870 | 23.0% | $2661 |
| $1,000 to $1,499 | 1,432 | 38.0% | $3786 |
| $1,500 or more | 403 | 10.0% | $5436 |
Keene, NH Home Insurance Costs With Deductible Scenario
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $700 | $2,700 |
| Yearly Keene Homeowner Insurance Premium Example | $2,000 | $1,600 |
| Out of Pocket Expense During Claim | $700 | $2,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $16,700 | $15,500 |
| Net Savings to Keene Home Owner from High Deductible Plan | $1,200 | |
Keene, NH Home Insurance Costs With Home Replacement Value Scenarios
| Scenario | Keene, NH Home Replacement Value MORE than Home Value | Keene, NH Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $225,000 | $166,000 |
| Insurance Premium based on Replacement Value | $1,325 | $975 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $18,500 | Risk Exposure from Under Insuring Coverage is $40,500 |
| Premium Impact | Insurance cheaper by $225/year | Insurance costlier by $125/year |
Example Keene Homeowners Insurance Comparison Table to Compare The Cheapest Quotes
| Insurance Company | GEICO Insurance | Nationwide Insurance | State Farm |
| Monthly Premium | 92 | 45 | 69 |
| Year Built | 1981 | 1993 | 1940 |
| Home Details | 5 Beds, 3 Baths | 2 Beds, 1 Baths | 3 Beds, 1 Baths |
| Coverage Amount | $250000-$300000 | $125000-$150000 | $200000-$250000 |
| Deductible | $500- $1000 Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible |
Sample Home Insurance Rates for Keene, NH from Consumer Reviews & Surveys
| Year Built | Home Value | Roof Type | Sqft | Number of Bedrooms | Deductible | Premium | Premium Months | Siding Type | Smoker/Non Smoker |
|---|---|---|---|---|---|---|---|---|---|
| 1941 | 280,000 | Slate Shingles Roof | 2,130 | 5 | $2500-$5000 Deductible | 470 | 5 | Brick siding | yes |
| 1979 | 135,000 | Slate Shingles Roof | 1,090 | 2 | $1000-$2500 Deductible | 270 | 5 | Fiber-Cement Siding | No |
| 1945 | 575,000 | Membrane Roof | 4,420 | 5 | $500- $1000 Deductible | 1730 | 7 | Brick siding | yes |
| 1960 | 205,000 | Membrane Roof | 1,990 | 5 | $5000 to $10,000 Deductible | 310 | 5 | Wood siding | No |
| 1940 | 325,000 | Wood Shake Roof | 2,990 | 4 | $1000-$2500 Deductible | 910 | 10 | Wood siding | No |
| 1986 | 220,000 | Wood Shake Roof | 1,820 | 4 | $1000-$2500 Deductible | 410 | 7 | Wood siding | yes |
| 1988 | 140,000 | Slate Shingles Roof | 1,090 | 2 | $500 Deductible | 340 | 6 | Brick siding | No |
| 1985 | 250,000 | Metal Roof | 1,940 | 5 | $1000-$2500 Deductible | 180 | 2 | Vinyl siding | yes |
| 1976 | 190,000 | Composition Roof | 1,580 | 2 | $1000-$2500 Deductible | 980 | 12 | Vinyl siding | No |
| 1972 | 195,000 | Slate Shingles Roof | 1,480 | 2 | $500- $1000 Deductible | 140 | 2 | Fiber-Cement Siding | yes |
| 1965 | 290,000 | Composition Roof | 2,310 | 4 | $500 Deductible | 1090 | 9 | Stone Siding | yes |
| 1985 | 290,000 | Asphalt Shingles Roof | 2,550 | 5 | $5000 to $10,000 Deductible | 250 | 4 | Vinyl siding | yes |
| 1988 | 145,000 | Shingles Roof | 1,510 | 3 | $1000-$2500 Deductible | 400 | 9 | Stone Siding | yes |
| 1991 | 165,000 | Slate Shingles Roof | 1,790 | 5 | $2500-$5000 Deductible | 80 | 2 | Stone Siding | No |
| 1994 | 185,000 | Tile Roof | 1,470 | 2 | $5000 to $10,000 Deductible | 210 | 5 | Stone Siding | yes |
| 1994 | 300,000 | Shingles Roof | 2,260 | 4 | $500- $1000 Deductible | 90 | 1 | Fiber-Cement Siding | No |
| 1997 | 215,000 | Wood Shake Roof | 2,150 | 4 | > $10,000 Deductible | 160 | 4 | Brick siding | yes |
| 1983 | 195,000 | Composition Roof | 1,640 | 3 | $500- $1000 Deductible | 430 | 6 | Fiber-Cement Siding | No |
| 1944 | 330,000 | Metal Roof | 3,010 | 5 | $1000-$2500 Deductible | 1840 | 12 | Fiber-Cement Siding | No |
| 1999 | 545,000 | Wood Shake Roof | 4,960 | 5 | $2500-$5000 Deductible | 2620 | 12 | Fiber-Cement Siding | No |
| 1999 | 185,000 | Composition Roof | 1,610 | 3 | $2500-$5000 Deductible | 320 | 5 | Wood siding | yes |
| 1968 | 265,000 | Shingles Roof | 2,670 | 4 | $500 Deductible | 1040 | 8 | Stucco siding | yes |
| 1947 | 190,000 | Metal Roof | 1,780 | 3 | $500 Deductible | 800 | 12 | Stone Siding | No |
| 1988 | 190,000 | Slate Shingles Roof | 1,470 | 3 | $5000 to $10,000 Deductible | 170 | 3 | Stone Siding | No |
| 1999 | 220,000 | Metal Roof | 1,760 | 2 | > $10,000 Deductible | 40 | 1 | Fiber-Cement Siding | No |
| 1996 | 100,000 | Tile Roof | 1,010 | 2 | $1000-$2500 Deductible | 310 | 8 | Stone Siding | No |
| 1996 | 230,000 | Membrane Roof | 1,870 | 3 | > $10,000 Deductible | 480 | 10 | Fiber-Cement Siding | No |
| 1987 | 430,000 | Tile Roof | 4,320 | 5 | $500 Deductible | 640 | 4 | Wood siding | yes |
| 1949 | 505,000 | Wood Shake Roof | 4,610 | 5 | $1000-$2500 Deductible | 160 | 1 | Wood siding | No |
| 1997 | 240,000 | Wood Shake Roof | 1,890 | 5 | $1000-$2500 Deductible | 240 | 3 | Wood siding | No |
| 1972 | 320,000 | Shingles Roof | 2,390 | 3 | $500- $1000 Deductible | 620 | 5 | Stone Siding | yes |
| 1974 | 155,000 | Shingles Roof | 1,300 | 3 | $500- $1000 Deductible | 490 | 9 | Stone Siding | yes |
| 1980 | 175,000 | Tile Roof | 1,800 | 3 | $500- $1000 Deductible | 70 | 1 | Vinyl siding | No |
| 1966 | 265,000 | Shingles Roof | 2,240 | 4 | $1000-$2500 Deductible | 1220 | 9 | Brick siding | No |