Cheap Home Insurance in Manchester


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Key Takeaways

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For homeowners in Manchester, Amica provides the best overall value and offers the most affordable coverage at $937 annually.

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Home insurance in Manchester costs an average of $164 per month or $1,963 per year for most residents.

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To secure the best and cheapest home insurance, determine your coverage needs, research providers and compare multiple quotes carefully.

Best Cheap Home Insurance Companies in Manchester

In Manchester, Amica offers the best home insurance, balancing affordability, customer service and coverage options. The company also provides the lowest premium at $78 per month.

Amica95$78$937
State Farm78$121$1,456
Concord Group Insurance72$111$1,328
Main Street America Insurance65$149$1,793
Nationwide56$223$2,681

*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.

How Much Does Manchester Home Insurance Cost?

Manchester home insurance costs vary by personal profile, coverage level and home details. Monthly rates range from $54 to $562. Compare personalized rates based on your home's age and desired coverage level using the table below.

Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
$100K Dwelling / $50K Personal Property / $100K Liability$54$651

How to Get the Best Cheap Home Insurance in Manchester

Finding affordable home insurance in Manchester can be challenging. We created a step-by-step guide to help you discover the best cheap homeowners insurance that suits your needs.

  1. 1

    Decide on Coverage Beforehand

    Determine your home insurance coverage needs beforehand to compare quotes easily and prevent being oversold by agents.

  2. 2

    Research Cost and Discounts

    Researching average home insurance costs in New Hampshire for your city and profile can help you gauge potential savings. Know what discounts you may qualify for and find companies that offer them, leading to lower rates.

  3. 3

    Compare Company Offerings and Reputations

    In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.

  4. 4

    Compare Many Quotes Through Multiple Means

    Getting quotes from various sources helps you find the best deal since pricing varies by where you shop. Request quotes online, from independent agents who represent multiple insurers, and from captive agents who work for specific companies. This approach ensures you're seeing the full range of available rates.

Best Home Insurance in Manchester: Bottom Line

The top three best and cheapest home insurance providers in Manchester are Amica, State Farm and Concord Group. While these are our recommendations, do your own research and compare multiple quotes to secure the best deal.

Manchester Home Insurance: FAQ

Below, we answer the most common Manchester home insurance questions.

Who offers the best home insurance in Manchester?

Who has the cheapest home insurance in Manchester?

What does home insurance cost in Manchester?

How We Decided the Best Cheap Home Insurance Companies in Manchester

MoneyGeek’s study analyzed home insurance premiums from 10 companies in Manchester. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.

In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.

Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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