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Find the Best Home Insurance Rates in 03082
Shopping for homeowners insurance in 03082 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Lyndeborough, NH and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.
We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our New Hampshire licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.
If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 03082 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.
Home Insurance Rate Quotes in 03082
Find Lyndeborough, NH Homeowners Insurance Quotes to review the best coverage options in your area.
03082 Home Insurance Rating is: medium!
In 03082 the average premium is $743. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.
A Quick Tip: For homeowners living in 03082, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.
Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 03082!
03082 Home Insurance Average Premiums
For the 03082, 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) | $493 /yr. |
Average Coverage: | $743 /yr. |
2600 sq. ft. or higher (all discounts applied) | $1043 /yr. |
What is the average home insurance cost for a home in 03082?
- • The average homeowners insurance premium paid annually for a home in 03082 is around $743 per year.
What does it cost on average per month for home insurance in 03082?
- • Homeowners in 03082 pay a monthly average cost per month around $62.00.
What kind of discount could I get if I combine my home and auto insurance together in 03082?
- • Autoowners in 03082 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 Lyndeborough area, check out other zip codes nearby 03082.
Review average rates in another zip code:
03082 homeowners insurance rates
Home Replacement Cost Coverage in 03082
Average Building Cost Per Square Foot in 03082: $172
Location: Lyndeborough, New Hampshire (Hillsborough County)Average Square Footage in 03082: 1,651 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 03082 before you start any project. Lyndeborough 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 03082 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 03082 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,651 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 Lyndeborough 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 | 1,651 | $283,900 |
Additional Upgrades & Added Features | $215 | 1,651 | $354,875 |
Major Home Updates or Advancements | $258 | 1,651 | $425,850 |
It's important to understand that when you estimate your replacement cost of your home in the 03082 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 03082
Best Home & Auto Insurance Agencies in 03082
Housing Demographics for 03082
Population Review for 03082 Zip Code
For the city of Lyndeborough, the population within 03082 has increased to over 1,474 residents in population size. The current population total is 1,621. We have broken down the population based on race below. In 03082, there are over 803 in male population and 818 females.
Population | Values |
---|---|
Total Population | 1,621 |
White Population | 1487 |
Black Population | 0 |
Hispanic Population | 41 |
Asian Population | 8 |
Hawaiian Population | 0 |
Indian Population | 7 |
Other Population | 21 |
Male Population | 803 |
Female Population | 818 |
Population Estimate | 1474 |
Household Data for 03082
The average number of homes in 03082 is around 662, there are an average of 2.45 per household. The average house value according to local real estate values is around $283,900. Please review the following demographics below for average income and media age.
Housing / Income Data | Values |
---|---|
Households Per Zipcode | 662 |
Persons Per Household | 2.45 |
Average House Value | $283,900 |
Income Per Household | $94000 |
Median Age | 50.4 |
Median Age Male | 50.5 |
Median Age Female | 50.4 |
03082 Details | Values |
---|---|
State | NH |
State Full Name | New Hampshire |
City Type | P |
City Alias Abbreviation | |
Area Code | 603 |
City | Lyndeborough |
City Alias Name | LYNDEBOROUGH |
County | Hillsborough |
County FIPS | 011 |
State FIPS | 33 |
Time Zone | 5 |
Day Light Saving | Y |
MSA | |
PMSA | |
CSA | 148 |
CBSA | 31700 |
CBSA_DIV | |
CBSA_Type | Metro |
CBSA_Name | Manchester-Nashua, NH |
MSA_Name | |
PMSA_Name | |
Region | Northeast |
Division | New England |
MailingName | Y |
Economic & Growth Review | Values |
---|---|
Number Of Businesses | 20 |
Number Of Employees | 58 |
Business First Quarter Payroll | 1176 |
Business Annual Payroll | 6449 |
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 | 602 |
Delivery Business | 10 |
Delivery Total | 1369 |
Preferred Last Line Key | V25566 |
Classification Code | |
Multi-County | |
CSA Name | Boston-Worcester-Providence, MA-RI-NH |
CBSA_DIV_Name | |
City State Key | V25566 |
Land Area | 28.837000 |
Water Area | 0.097000 |
City Alias Code | |
City Mixed Case | Lyndeborough |
City Alias Mixed Case | Lyndeborough |
Box Count | 58 |
SFDU | 602 |
MFDU | 0 |
State ANSI | 33 |
County ANSI | 011 |
ZIP Intro | |
Alias Intro | |
Facility Code | P |
City Delivery Indicator | N |
Carrier Route Rate Sortation | C |
Finance Number | 327920 |
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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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 […]