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03076 Homeowners Insurance Quotes & Coverage Options
If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 03076 zip code find a great new policy that offers the coverage they need at a price they can afford.
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Quickly and Easily Compare Average Rates for 03076
You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Pelham, NH home insurance quotes in your local city and review the most competitive coverages and premiums.
Average Policy Rates in 03076
Homeowners in Pelham are paying roughly $845 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.
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03076 Home Insurance Average Premiums
$595 /yr.
Shows Zip Code: 03076 lowest rates with discounts applied on average.
For the 03076, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.
| Coverage Amount: | Annual Premium |
|---|---|
| 1800 sq. ft. or below (discounts applied) | $595 /yr. |
| Average Coverage: | $845 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1145 /yr. |
What is the average home insurance cost for a home in 03076?
- • The average homeowners insurance premium paid annually for a home in 03076 is around $845 per year.
What does it cost on average per month for home insurance in 03076?
- • Homeowners in 03076 pay a monthly average cost per month around $70.00.
What kind of discount could I get if I combine my home and auto insurance together in 03076?
- • Autoowners in 03076 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.
For shopping home insurance rates within the Pelham area, check out other zip codes nearby 03076.
Review average rates in another zip code:
03076 homeowners insurance rates
Home Replacement Cost Coverage in 03076
Average Building Cost Per Square Foot in 03076: $172
Location: Pelham, New Hampshire (Hillsborough County)Average Square Footage in 03076: 2,253 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 03076 before you start any project. Pelham homeowners pay on average around $172 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 03076 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.
Here is how you determine your replacement cost. If we take an average home in 03076 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,253 sq. ft. and the average cost to rebuild the home in this area is around $172 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Pelham area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.
| Home Improvement Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $172 | 2,253 | $387,600 |
| Additional Upgrades & Added Features | $215 | 2,253 | $484,500 |
| Major Home Updates or Advancements | $258 | 2,253 | $581,400 |
It's important to understand that when you estimate your replacement cost of your home in the 03076 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.
Best Homeowners Insurance Agencies in 03076
Best Home & Auto Insurance Agencies in 03076
Housing Demographics for 03076
Population Review for 03076 Zip Code
For the city of Pelham, the population within 03076 has increased to over 14,593 residents in population size. The current population total is 14,222. We have broken down the population based on race below. In 03076, there are over 7140 in male population and 7082 females.
| Population | Values |
|---|---|
| Total Population | 14,222 |
| White Population | 12814 |
| Black Population | 127 |
| Hispanic Population | 567 |
| Asian Population | 332 |
| Hawaiian Population | 0 |
| Indian Population | 19 |
| Other Population | 219 |
| Male Population | 7140 |
| Female Population | 7082 |
| Population Estimate | 14593 |
Household Data for 03076
The average number of homes in 03076 is around 5,047, there are an average of 2.82 per household. The average house value according to local real estate values is around $387,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 5,047 |
| Persons Per Household | 2.82 |
| Average House Value | $387,600 |
| Income Per Household | $111333 |
| Median Age | 44.3 |
| Median Age Male | 43.5 |
| Median Age Female | 44.9 |
| 03076 Details | Values |
|---|---|
| State | NH |
| State Full Name | New Hampshire |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 603 |
| City | Pelham |
| City Alias Name | PELHAM |
| County | Hillsborough |
| County FIPS | 011 |
| State FIPS | 33 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 1122 |
| PMSA | 4560 |
| CSA | 148 |
| CBSA | 31700 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Manchester-Nashua, NH |
| MSA_Name | Boston-Worcester-Lawrence, MA-NH-ME-CT CMSA |
| PMSA_Name | Lowell, MA-NH PMSA |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 309 |
| Number Of Employees | 2355 |
| Business First Quarter Payroll | 25857 |
| Business Annual Payroll | 119289 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 400721 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 6489 |
| Delivery Residential | 5175 |
| Delivery Business | 171 |
| Delivery Total | 5813 |
| Preferred Last Line Key | V25661 |
| Classification Code | |
| Multi-County | |
| CSA Name | Boston-Worcester-Providence, MA-RI-NH |
| CBSA_DIV_Name | |
| City State Key | V25661 |
| Land Area | 26.343000 |
| Water Area | 0.540000 |
| City Alias Code | |
| City Mixed Case | Pelham |
| City Alias Mixed Case | Pelham |
| Box Count | 325 |
| SFDU | 4638 |
| MFDU | 178 |
| State ANSI | 33 |
| County ANSI | 011 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | D |
| Finance Number | 326600 |
| Unique ZIP Name | |
| SSA State County Code | 30050 |
| Medicare CBSA Code | 31700 |
| Medicare CBSA Name | Manchester-Nashua, NH |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Hillsborough |
New Hampshire Homeowners Insurance News & Information
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Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024
According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]
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Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024
One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]
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Are homeowners insurance companies increasing deductibles? Posted on Thursday 22nd August, 2024
This year many homeowner insurance companies have been raising their homeowner percentage deductible from 1% to 2% which could be a massive increase for policyholders who have to make a claim on their policy. It has led to many homeowners shopping their coverage as their out-of-pocket costs skyrocket. As the cost of claims increases, particularly […]