There is no state law in New Hampshire which requires homeowners to carry homeowner’s insurance. Even without such a law the majority of homeowners who have a choice still choose to buy homeowner’s insurance.
Of course, if your home is financed and you pay a monthly mortgage then you won’t have a choice; your mortgage lender will require that you keep your home fully covered by homeowner’s insurance.
But whether you are required to buy homeowner’s insurance or whether you choose to carry it, there are still things that you can do to lower the cost of your monthly premiums.
Start by making your home as fire safe and as burglar proof as you possibly can.
Clear shrubs, weeds, brush and trash at least ten feet away from any structure on your property. This will help to reduce fire danger.
If you can afford to have a fire and burglar system installed in your home, the kind that automatically reports to an independent company which then alerts police and fire services, you can greatly reduce your monthly premiums, which can go a long way toward paying for your protection.
Motion-sensor lights mounted on the outside of your home also discourage burglars, as does trimming back bushes around any windows or doors where burglars might be able to hide.
Deadbolts need to be installed on every outside door and working locks need to be installed on all windows, even windows on upper floors.
Make sure you have installed the correct number of smoke and fire alarms for your home and its layout. Make sure all of them are working and be sure to change the batteries in them at least twice each year (many people remind themselves by changing batteries on the days that the clocks are set forward and backward).
Buy the correct type and size fire extinguisher for your kitchen.
Once you have taken all of these measures it’s time for you to jump online and start comparing homeowner policies and prices among the different insurance companies in New Hampshire.
Make sure you take the extra time to compare prices on at least two and preferably three different comparison websites. In this way you can be more certain that you are comparing all of the insurance companies in New Hampshire and that you are getting the most affordable homeowner’s insurance available in New Hampshire.