Get affordable protection that fits your life
Allstate renters insurance is a reliable, cost-effective way to protect your home and items with reliable coverage from a brand you can trust.
Does New Hampshire require renters insurance?
Although New Hampshire law does not require renters insurance, your landlord may have a condition in your lease or rental agreement that requires it to protect your belongings and your living arrangements from costly repairs or replacement expenses.
Additional renters insurance coverages for New Hampshire
Beyond the coverages in a standard renters policy, you may want to consider additional insurance coverage or policies to further protect the things you own and guard against the unexpected. For example, you may decide it makes sense to add the following types of protection:
- Scheduled personal property coverage
This coverage could help protect specific, appraised valuables like engagement rings, antiques, musical instruments and coin collections. - Personal umbrella policy
Umbrella insurance could help protect you against large liability claims. If you're found responsible for a liability judgment that exceeds the liability limits of your renters insurance policy, a personal umbrella policy can help prevent you from paying out of pocket. - Flood insurance
Renters can purchase flood insurance to help cover the cost of replacing belongings if they are damaged by floodwater. You can purchase a government-run National Flood Insurance Program policy through an Allstate agent.
How to compare renters insurance quotes in New Hampshire
If you're requesting renters insurance quotes from multiple insurers, it's important to choose the same coverages, limits and deductibles for each quote so you can make an accurate comparison.
- Choose your coverage
Take a look at the types of coverage included in the standard policy and consider which other types of coverages you want to add. - Consider your limit
When selecting a limit, the maximum amount the insurer will pay for a covered claim, consider your personal needs. - Select your deductible
Some coverages come with a deductible, which is the amount you'll pay toward a claim. Be sure to select the same deductible on each coverage for each renters insurance quote you get.
How much is renters insurance in New Hampshire?
An Allstate renters insurance policy can cost as little as $5 per month* on average. Explore the coverage options available and choose the one that best fits your needs. Get a renters insurance quote today.
New Hampshire renters insurance discounts
You might be able to get your renters insurance costs down even more with renters insurance discounts available for New Hampshire residents, like the multiple policy discount when you bundle auto and renters insurance.
How to compare renters insurance quotes in New Hampshire
If you're requesting renters insurance quotes from multiple insurers, it's important to choose the same coverages, limits and deductibles for each quote so you can make an accurate comparison.
- Choose your coverage
Take a look at the types of coverage included in the standard policy and consider which other types of coverages you want to add. - Consider your limit
When selecting a limit, the maximum amount the insurer will pay for a covered claim, consider your personal needs. - Select your deductible
Some coverages come with a deductible, which is the amount you'll pay toward a claim. Be sure to select the same deductible on each coverage for each renters insurance quote you get.
New Hampshire renters insurance FAQs
A typical renters insurance policy covers your belongings in the case of certain perils. Whether you’re moving within New Hampshire or coming from out of state, any damages associated with the move wouldn’t be considered the result of a peril, and therefore would not be covered in your renter’s policy.
The value of most of your belongings decreases over time. With Allstate renters insurance, you are able to choose one of the personal property coverages below:
Actual cash value typically means your belongings are covered for their replacement cost minus depreciation. Depreciation is the decrease in an item's value due to its age, condition or other factors. If you have actual cash value coverage, the reimbursement you receive after a covered claim may not be enough to replace your damaged items with brand new ones.
Reimbursement provision typically means your belongings are covered for the amount it would take to replace them at the time of the claim. Premiums are usually higher for this coverage.
Even your smallest items, like your clothes, linens and cookware, can add up quickly if you have to replace them all at once. Plus, renters insurance can help provide coverage if your belongings are stolen when they’re not at your place, such as in a storage unit or in your car.
Renters insurance can also provide liability coverage if, for example, you accidentally cause a kitchen fire and are financially responsible for repairs. Additional living expense coverage, which also comes with a standard renters policy, can help pay for increased living costs, such as hotel stays, if the home you rent is uninhabitable after a fire or other covered risk.
Once you get a renters insurance policy from Allstate, you'll receive a policy declaration outlining your coverage. Here is a quick guide to understanding what’s a declarations page and how to read it.