Check out the most popular Home Insurance agencies & companies in Dover, NH & compare the best quotes from them.
According to the research conducted by Baglom, the average cost of homeowners insurance in Dover, NH, is $892, which is lower than the state average and national average premium. The national average premium is $1224, and the state average premium is $900.
Considering that, the cost of the insurance is decided after scrutinizing certain factors. Few such factors are the home value, coverage type, deductible, house age, or the material used to build your house. Therefore, understanding the cost of homeowners insurance in Dover, NH, is necessary to maintain the balance as per your needs.
Homeowners in Dover, NH, can take advantage of special discounts to reduce the cost of their house insurance. Check out the different factors which can get you a discount on your homeowners insurance in Dover, NH.
Discounts based on the Age of the Home
The age of the home plays a significant role in determining the cost of home insurance. As homes age, so do the systems and materials that make up your home, making it more vulnerable to property damage or structural problems. Homes in Dover, houses of 40 or 50 years old pay a premium of $916 and $926, respectively. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in Dover can avail of lower insurance of $669.
Refer to the chart below to know the applicable rates based on the age of the house.
Discounts based on the Materials used
Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.
For instance, homes built with fire resistive brick are offered at a premium of $802.8 in Dover, whereas homes built with Masonry and Brick are offered at $847.4. Thus, the premium charged will be higher if you use low-quality materials to construct your house.
Discounts based on the Claims History
Home insurance companies provide discounts to homeowners who have a claims-free history. By providing a history of zero claims, homeowners have to pay a premium of $767.12, whereas policyholders with one and two claims have to pay a premium of $954.44 and $1016.88, respectively. So, the higher the number of claims, the higher the premium added to the insurance.
Discounts based on the Security features
Homes with advanced level security features like fire extinguishers, smoke detectors, new locks are less prone to burglaries and damage. Therefore, homeowners insurance companies in Dover encourage homeowners to install home safety devices by offering discounts as incentives. Homes in Dover with deadbolts and fire extinguishers pay $793.88 and $802.8, respectively. In addition, homes equipped with fire alarms and smoke detectors pay $847.4 and $811.72, respectively, on homeowners insurance.
|Home Insurance Company Near Dover, NH||Homeowners Insurance Agency Near Dover, NH||Address||Popularity Score||Distance from Dover (miles)|
|State Farm||Sam Haddadin||95 New Rochester Rd, Dover, NH, 03820-8803||5||3.1|
|Travelers||FIFE & ALLKANE INSURANCE LLC||3 FRONT ST STE 321, ROLLINSFORD, NH, 3869||4||4.8|
|Travelers||HUB INTERNATIONAL NEW ENGLAND||200 INTERNATIONAL DR, PORTSMOUTH, NH, 3801||2||8.8|
|Travelers||FOY AND MARIOTTI INSURANCE INC||54 Point Road Ste 102 Tel 603.410.5500, Dover, NH, 3820||NA||1.7|
|Travelers||FRED C CHURCH INC||Two International Dr Ste 110 , Portsmouth, NH, 3801||NA||7.8|
|Allstate||Alan Felenchak||827 Central Ave Ste 5, Dover, NH, 3820||NA||2.0|
|Travelers||JOHN J FLYNN INSURANCE AGENCY INC||818 CENTRAL AVE, DOVER, NH, 3820||NA||2.0|
|Liberty Mutual Independent||PEOPLES UNITED INS AGENCY INC||501 ISLINGTON ST 3RD FL, PORTSMOUTH, NH, 3801||NA||9.8|
|Liberty Mutual Independent||Lineweber & Giffin Insurance Inc.||5 1ST ST STE A, DOVER, NH, 3820||NA||0.9|
|Liberty Mutual Independent||J CLIFTON AVERY AGENCY INC||7 ISLINGTON ST STE 102, PORTSMOUTH, NH, 3801||NA||9.8|
|Travelers||SAFEHOLD SPECIAL RISK INC||6 PORTLAND AVE - SUITE 2, DOVER, NH, 3821||NA||0.9|
|Travelers||KANE INSURANCE AGENCY||242 STATE ST, PORTSMOUTH, NH, 3801||NA||9.9|
|Liberty Mutual Independent||Datarisk Llc||1 Nh Ave Ste 340, PORTSMOUTH, NH, 3801||NA||7.7|
|Liberty Mutual Independent||BROWN & BROWN OF NH INC||93 WASHINGTON ST, DOVER, NH, 3820||NA||0.7|
|Travelers||IMMANUEL INS AGCY INC||3 BRITTANY LN, BARRINGTON, NH, 3825||NA||6.5|
|Travelers||HBL GROUP LLC||9 Colonial Way, Suite A, Barrington, NH, 3825||NA||6.5|
|Homeowners Insurance Quote for Dover, NH||Deductible||Home Value||Location|
|$570||$2500-$5000 Deductible||$225,500||Robinwood Ave, Birch Dr|
|$870||$2500-$5000 Deductible||$242,500||Dimon Ln|
|$620||$500 Deductible||$142,500||Orchard St|
|$760||$500- $1000 Deductible||$227,500||Hillcrest Dr, Redden St Exd, Park St, Ash St|
|$440||$1000-$2500 Deductible||$156,000||Auburn St, Palmer Dr|
|$410||$500- $1000 Deductible||$87,500||Robinwood Ave, Birch Dr|
|$1,650||$1000-$2500 Deductible||$449,500||Dimon Ln|
|$1,060||$5000 to $10,000 Deductible||$339,500||Orchard St|
|$300||> $10,000 Deductible||$217,000||Robinwood Ave, Birch Dr|