Nashua Insurance Rates:

Nashua, NH homeowners insurance is nearly $601 to $813, about $50-$67/month. Our thorough research indicates shoppers can save as much as $282 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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How to Reduce the Cost of Home Insurance in Nashua, NH

Homeowners insurance is designed to cover your home against a variety of risks, such as fire, theft, and liability. Most policies also include coverage for personal items, such as jewellery and electronics. The amount of coverage you need for your home depends on your home's size, age, and condition, as well as the value of its contents. In Nashua, NH, homeowners insurance typically costs $905. Home insurance costs in Nashua, NH, vary significantly depending on the size and value of the property in question. As with any insurance, various factors such as age, location and condition of the home can all affect the cost.

Shopping around and comparing rates for the best home insurance policy for your needs and budget is important. Ask about discounts that may be available, and make sure to provide accurate information about the location and condition of your home. This article will examine a few strategies for lowering Nashua, NH, homeowners insurance rates.

By Choosing a Higher Deductible

Every Nashua homeowner is aware of how expensive insurance can be. However, there are methods to cut those expenses, one of which is to select a higher deductible. You can significantly reduce your premium by doing this. If you have a claim, you will be required to pay a higher deductible. But it can be a terrific method to reduce your insurance expenses if you are convinced that you can pay a higher deductible. To determine if a higher deductible is appropriate, speak with your insurance representative. For example, in Nashua, NH, homeowners pay $$894 and $$761 in premiums for deductibles of 500 and 1500, respectively. With deductibles of 2000 and 2500, homeowners pay $691 and $650, respectively. Therefore, the higher the deductible, the lower the home insurance rates in Nashua, NH.

By Installing Security Features

Security features, such as deadbolts, burglar alarms, window locks, and motion-activated lighting, can make it more difficult for intruders to enter your home. This can significantly reduce your risk of burglary, so your insurance company may offer you a discounted rate for your policy. In addition to making your home more secure, installing security features can also reduce the cost of homeowners insurance in Nashua, NH, in other ways. For instance, residences in Nashua, New Hampshire, with deadbolts, pay $787 for homeowners insurance in Nashua, NH.

By Maintaining a Zero Claims History

Maintaining a claim-free past is one of the greatest ways to lower your homeowners insurance price in Nashua, New Hampshire. It follows that you have never made an insurance claim before, and your house has never been the subject of an insurance claim. Insurance providers are more likely to offer you reduced rates since they see this as evidence that you are a responsible homeowner who takes good care of your house. For instance, homeowners in Nashua, New Hampshire, must pay a premium of $778 even though they have never made a claim. However, Nashua, New Hampshire, charges $0950 and $1023 for homeowners with one or two claims, respectively.

Nashua, NH Homeowners Insurance By Home Value

Nashua, NH Home Value Total Homes % of Total Average Nashua, NH Homeowners Insurance
Less than $50,000 579 3.0% $70
$100,000 to $124,999 622 3.0% $310
$125,000 to $149,999 744 3.0% $395
$150,000 to $174,999 1,043 5.0% $465
$175,000 to $199,999 1,718 9.0% $536
$200,000 to $249,999 5,555 29.0% $649
$250,000 to $299,999 4,671 24.0% $790
$300,000 to $399,999 3,459 18.0% $1002

Top Home Insurance Agents Near Nashua, NH

Home Insurance Company Near Nashua, NH Homeowners Insurance Agency Near Nashua, NH Address
NA G A Lamy Insurance 5 East Main Street, Southborough, MA, 1772
NA Thomas F Redmond Agency Inc 262 Broadway, Methuen, MA, 1844
NA Fortified Insurance Agency 911 Candia Road, Manchester, NH, 3109
Travelers Sea Insurance Agency Inc 72 Madison St., Worcester, MA, 1608
Travelers Wolpert Insurance Agency Inc 18 JOHN ST PL, WORCESTER, MA, 1609

Nashua, NH Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Nashua, NH

Streets in Nashua Area Homeowners Insurance Cost
Grimsby Ln, Blue Hill Ave, Manhattan Ave, Abbe Ln, Kinsley St, Pullman Ln, Berkshire St, Knollwood Ave, Circlefield Dr, Copperfield Dr$711
Piermont St, Cambridge Rd, Lilac Ct, Lovewell St, Chelsea Ct, Forge Dr, Cleveland St, Norfolk St, Silverton Dr, Pinehill Ave$701
Foundry St, Unicorn Way, Cheyenne Dr, Hydrangea Rd, Bryant Rd, Walden Pond Rd, Hearthside Cir, Sawyer St, Jared Cir, Montgomery Ave$713
Skyview Dr, Riverview St, Pell Ave, Cannon Dr, Crawford Ln, Esquire Cir, Chinook Rd, Clement St, Robin Hood Rd, March St$704
Burke St, Stonebridge Dr, Cotton Rd, Jones Ct, Glasgow Rd, Freedom St, Lake St, Sagamore Rd, Cheshire St, Deacon Dr$712
S London Dr, E Hobart St, Canter Ct, Shawn Ave, Rice Ave, Sexton Ave, Bowers St, New Hampshire Ave, Royal Oak Dr, Cassandra Ln$706
Dickens St, Hastings Ln, Charlotte St, Rosanne Cir, Burley Ave, Green Heron Ln, Peele Rd, Pollard Rd, Katie Ln, Swart St$732
Blacksmith Way, Christian Dr, Rice St, Underhill St, Salvail Ct, Buker St, Nottingham Dr, Graham Dr, New Searles Rd, Lamplighter Dr$706
Delude St, Carlene Dr, Stanley Ln, Lyons St, Northfield Dr, Reservoir St, Chase St, Holiday Cir, Dora St, Kern Dr$696
Gagnon Cir, Divinity Cir, Havana St, Pulpit Pl, Martha St, Markar St, Cherrywood Dr, Hyacinth Dr, Dianne St, N Groton St$712

Nashua, NH Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Nashua$105 to $108

Nashua, 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
Hudson town, Hillsborough County, New Hampshire $107 $142 $213
Hollis town, Hillsborough County, New Hampshire $113 $151 $227
Dunstable town, Middlesex County, Massachusetts $163 $217 $326

Nashua, NH Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Nashua, NH2.9%7.9%

Nashua Renters Insurance as a Percentage of Rent

Nashua Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 230 1.0% $329
$200 to $299 383 2.0% $779
$300 to $499 683 4.0% $1229
$500 to $749 1,830 12.0% $1904
$750 to $999 2,556 18.0% $2654
$1,000 to $1,499 6,205 43.0% $3779
$1,500 or more 2,232 15.0% $5429

Nashua, NH Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Nashua Homeowner Insurance Premium Example $3,100$2,500
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $20,300$19,700
Net Savings to Nashua Home Owner from High Deductible Plan $600

Nashua, NH Home Insurance Costs With Home Replacement Value Scenarios

Scenario Nashua, NH Home Replacement Value MORE than Home Value Nashua, NH Home Replacement Value LESS than Home Value
Replacement Value $316,500 $206,500
Insurance Premium based on Replacement Value $1,275 $825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $55,000 Risk Exposure from Under Insuring Coverage is $55,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $225/year

Example Nashua Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceChubb Group of InsuranceFarmers Insurance
Monthly Premium 594490
Year Built 194419781998
Home Details 4 Beds, 1 Baths3 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$175000-$200000$175000-$200000
Deductible > $10,000 Deductible$5000 to $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Nashua, NH from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 175,000 Composition Roof 1,410 3 $1000-$2500 Deductible 50 1 Stucco siding yes
1942 645,000 Shingles Roof 4,860 5 $500- $1000 Deductible 740 3 Wood siding No
1948 170,000 Membrane Roof 1,200 2 $5000 to $10,000 Deductible 190 4 Wood siding No
1992 225,000 Asphalt Shingles Roof 1,840 4 $500 Deductible 160 2 Vinyl siding yes
1990 295,000 Metal Roof 2,580 4 $1000-$2500 Deductible 1140 10 Stone Siding No
1940 155,000 Tile Roof 1,300 3 $500 Deductible 460 8 Vinyl siding yes
1980 335,000 Composition Roof 3,050 4 $5000 to $10,000 Deductible 400 4 Stone Siding No
1948 240,000 Metal Roof 1,530 5 $500 Deductible 540 4 Fiber-Cement Siding No
1975 205,000 Asphalt Shingles Roof 1,660 4 $500 Deductible 150 2 Stucco siding No
1941 200,000 Wood Shake Roof 1,750 2 $1000-$2500 Deductible 330 5 Fiber-Cement Siding yes
1977 250,000 Metal Roof 2,140 3 $500 Deductible 1170 9 Stucco siding yes
1977 250,000 Asphalt Shingles Roof 2,380 4 $1000-$2500 Deductible 460 6 Stone Siding No
1982 295,000 Composition Roof 2,050 3 > $10,000 Deductible 730 10 Wood siding No
1972 165,000 Composition Roof 1,590 3 $500 Deductible 140 2 Brick siding No
1942 365,000 Slate Shingles Roof 2,650 4 $500- $1000 Deductible 1550 10 Fiber-Cement Siding yes
1973 260,000 Metal Roof 1,760 3 $5000 to $10,000 Deductible 60 1 Wood siding No
1944 190,000 Composition Roof 1,270 3 $1000-$2500 Deductible 90 2 Stone Siding yes
1949 160,000 Composition Roof 1,150 2 $1000-$2500 Deductible 370 6 Fiber-Cement Siding No
1998 215,000 Composition Roof 1,960 3 > $10,000 Deductible 270 6 Stucco siding No
1988 180,000 Tile Roof 1,440 3 $5000 to $10,000 Deductible 650 12 Stone Siding yes
1979 185,000 Slate Shingles Roof 1,510 2 $500 Deductible 740 9 Fiber-Cement Siding No
1991 425,000 Tile Roof 3,320 4 $500 Deductible 1440 8 Vinyl siding No
1976 525,000 Shingles Roof 3,490 5 $1000-$2500 Deductible 390 3 Brick siding yes
1970 170,000 Membrane Roof 1,320 2 $5000 to $10,000 Deductible 50 1 Stucco siding yes
1941 180,000 Composition Roof 1,290 3 $500- $1000 Deductible 830 10 Stucco siding No
1988 165,000 Tile Roof 1,200 2 $2500-$5000 Deductible 520 12 Vinyl siding No
1994 265,000 Asphalt Shingles Roof 1,700 3 > $10,000 Deductible 650 12 Wood siding yes
1947 550,000 Asphalt Shingles Roof 4,410 5 > $10,000 Deductible 270 3 Stucco siding yes
1999 425,000 Tile Roof 3,740 5 $500- $1000 Deductible 1560 10 Brick siding yes
1998 270,000 Membrane Roof 1,820 4 $500 Deductible 200 2 Vinyl siding No
1975 145,000 Shingles Roof 1,230 2 $500 Deductible 350 7 Stone Siding No
1944 275,000 Asphalt Shingles Roof 2,190 3 $5000 to $10,000 Deductible 60 1 Brick siding No
1991 260,000 Composition Roof 1,880 3 $1000-$2500 Deductible 60 1 Brick siding No
1978 400,000 Membrane Roof 3,310 4 $5000 to $10,000 Deductible 350 3 Stucco siding No
1978 190,000 Metal Roof 1,339 2 $2500-$5000 Deductible 390 6 Stucco siding No

Latest Home Insurance Reviews

Overall I would rate them a 3. They are not anything special, but the prices are pretty fair and I have no complaints about them otherwise. However, I am not a fan of their customer service, but everything else is fine.
American Family
When our home was damaged by a tornado and our underpinning came out they were quick to send us a check to get it fixed. that was wonderful.
Farmer's Insurance
I'm very satisfied with the policy offerings given by my insurance company, they have much better offerings than some of the previous companies Ive dealt with.
The premium and deductible of my policy are great when compared to other home insurance policies for the same coverage. Allstate gives me a competitive rate.
Farmer's Insurance
The customer service is great. The Workers try their best to resolve any issue that I have when it comes to billing and payment method.
I don't like how i see commercials for our company and think oh that sounds good, but then come to find out the product isn't available in our state
State Farm
I live, in a very weather active location. anything from tornadoes, to floods, to hail damage, so for an insurance company to have good weather coverage state farm is the best.
My insurance agent locally is always available to answer questions if I choose to go in person instead of using the online website.
Farmer's Insurance
What I dislike the most about the company is the big fees attach to it. I have only used it once and I have been paying for the way to long, also I have heard that if I file another claim I might be dropped as a customer that is insane.
State Farm
The office and my agent have always been really helpful and friendly. I have kept my business with them because of their rapport and their demeanor.
With mine, I have had it so long that I have complete rebuild costs no matter the home value. You cannot get these policies anymore
I don't know because I haven't had to talk to them. I set everything up online and just been paying my premium online as well.
The Hartford
Farmer's Insurance
they offer identity theft protection. And since I ran into this problem, they assisted me with whether or how it was covered.
I wouldn't recommend the company but only because I don't recommend any company. They can do their own marketing and advertising.

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