Consider standard coverage under New Hampshire homeowners insurance.

There are a number of different NH property insurance policies available with standard coverage, including broad and comprehensive. Comprehensive policies cost more, but cover damage to your home regardless of how it was caused. Broad coverage reimburses you for damage that results from a specific list of perils. To protect yourself from a lawsuit, any policy you buy should reimburse injury to others.

I recommend: See Liberty Mutual's extensive FAQ page as a good resource. New Hampshire Home Insurance is a broker option that will help expand your search for property insurance companies in NH.

Consider additional coverage for home insurance in New Hampshire

New Hampshire homeowners insurance does not include coverage in the event of a flood or earthquake. These would have to be added separately. Also, if you work from home, you may have to include additional protection to cover yourself against lost wages.

I recommend: Check out Brownell Insurance Center for a clear listing of additional options for coverage. They also offer policy discounts.

Determine the cost of your home insurance in New Hampshire

There are certain criteria that determine the cost of your NH homeowners insurance. For example, the location of your home, how it's built and its features are important factors. Providers also take into account whether your home is located in a high or low-crime area, whether there's a fire risk, and if it's located near a fire hydrant or fire station.

I recommend: MetLife's website offers examples of money-saving opportunities to review and compare.