New Hampshire condo insurance starts with the association's master policy, which decides whether your HO-6 insures the finishes from the drywall in or only your upgrades and belongings, and then meets a New Hampshire winter: frozen pipes in an unoccupied unit, ice damming on the roof and the water that finds the unit below. The Insurance Information Institute's NAIC-based figure puts the average US homeowners premium at $1,411 for 2021, and the average renters premium at $170; both are national averages that no single household pays, and the rate pages on this site show what carriers actually file where you live.
Read the master policy before the quote
A bare-walls master policy leaves cabinets, flooring, fixtures and improvements to you; a walls-in policy covers the original finishes. The HO-6 dwelling limit follows, and it is the largest input to the price. Ask the association for the master policy form and its deductible before you quote.
The winter claims
Freeze and burst pipes, especially in units left empty for the ski season, ice damming and roof leaks, and the damage water does to the unit below. Most carriers require heat to be maintained or the water shut off in an unoccupied unit, and the policy says so.
Loss assessment is the coverage to check
When the association's deductible or limits fall short after a winter loss to the building, owners are assessed. Loss assessment coverage on the HO-6 pays your share up to its limit, and it is the limit New Hampshire condo owners most often set too low.
Compare filed rates
The rate pages on this site show what carriers file for condo cover in New Hampshire. Quote three carriers on the same interior limit, personal property, loss assessment and deductible. The filed rates on this site show how carriers price this where you live, and quotes taken on the same limits and deductible are the only fair comparison.
Questions people ask about new hampshire condo insurance
What does New Hampshire condo insurance cover?
Your interior finishes to the extent the master policy does not, your belongings, loss of use, liability and loss assessment.
Is freeze damage covered?
Usually, provided the heat was maintained or the water shut off as the policy requires.
How much loss assessment coverage do I need?
Enough to cover your share of the association's deductible after a building loss; ask the association for the deductible and divide by the units.