New Hampshire renters insurance

New Hampshire renters insurance coverages

Check out the four standard coverages on nearly all New Hampshire renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in New Hampshire is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value
• Personal injury coverage: May pay for legal fees and damages if you’re liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs

Learn more about all of our renters insurance coverages.

Is renters insurance required in New Hampshire?

Renters insurance isn't required by law in New Hampshire, but your landlord or rental company may require it before you can move in. Even if it isn't required, a renters policy can be important for any tenant in New Hampshire renting an apartment, home, or condo.

Is renters insurance worth it in New Hampshire?

Renters insurance offers affordable coverage for tenants in a variety of situations. Consider the following scenarios:

• A fire damages your apartment complex, and you must temporarily move out while repairs are being made. Loss of use coverage may pay for you to stay elsewhere, up to your coverage limit.
• Your unit is burglarized while you're out of town. Personal property coverage may cover the cost of replacing your stolen property, up to your coverage limits.
• While visiting your place, a friend gets cut on broken glass and requires stitches. Medical payments coverage may cover their doctor bills, up to your coverage limit.

How much is renters insurance in New Hampshire?

Progressive renters policies in New Hampshire had an average monthly price of $16.88 or $202.52 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Coverage limits may also influence your renters insurance rate. Typically, the more personal property coverage you need, the more you will pay for a policy. Use our personal property calculator to help take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in New Hampshire?

Take advantage of renters insurance discounts to help lower the cost of renters policies in New Hampshire. Progressive offers discounts for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436, or speak to an agent to help ensure you're getting all applicable discounts.