There is no state law in New Hampshire which requires homeowners to carry homeowners insurance. Even without such a law the majority of homeowners who have a choice still choose to buy homeowners insurance.
Of course, if your home is financed and you pay a monthly mortgage then you wont have a choice; your mortgage lender will require that you keep your home fully covered by homeowners insurance.
But whether you are required to buy homeowners insurance or whether you choose to carry it, there are still things that you can do to lower the cost of your monthly premiums.
Start by making your home as fire safe and as burglar proof as you possibly can.
Clear shrubs, weeds, brush and trash at least ten feet away from any structure on your property. This will help to reduce fire danger.
If you can afford to have a fire and burglar system installed in your home, the kind that automatically reports to an independent company which then alerts police and fire services, you can greatly reduce your monthly premiums, which can go a long way toward paying for your protection.
Motion-sensor lights mounted on the outside of your home also discourage...
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