The New Hampshire Insurance Department (NHID) published a letter to the New Hampshire Association of Domestic Insurance Companies and the New Hampshire Association of Insurance Agents stating that insurers are prohibited from canceling or refusing to issue a homeowners policy solely due to the geographic location of the risk.
N.H. Rev. Stat. § 417-B:2 states that insurers cannot cancel or refuse to write a policy solely because of residence, among other factors such as age, race, national origin, ancestry, marital status, and military service. However, this does not mean that insurers cannot use location-based risk factors, such as proximity to a fire station, in determining premiums.
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