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03218 Home Insurance Rates
Getting multiple homeowners insurance rates in 03218 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Barnstead, NH. Many homeowners based out of the 03218 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our New Hampshire licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 03218 should appear in the zip code field ready to go. For Barnstead, NH Home Insurance Quotes, Click to easily get started!
03218 Homeowners Insurance Rates, Average Rating: Medium!
Your homeowners insurance policy in 03218 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Barnstead. For a basic HO-3, standard homeowners policy, the average premium per year in New Hampshire is around $783. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 03218 zip code today and let us help you save time and money on your homeowners insurance premium.
03218 Home Insurance Average Premiums
$533 /yr.
Shows Zip Code: 03218 lowest rates with discounts applied on average.
For the 03218, 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) | $533 /yr. |
| Average Coverage: | $783 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1083 /yr. |
What is the average home insurance cost for a home in 03218?
- • The average homeowners insurance premium paid annually for a home in 03218 is around $783 per year.
What does it cost on average per month for home insurance in 03218?
- • Homeowners in 03218 pay a monthly average cost per month around $65.00.
What kind of discount could I get if I combine my home and auto insurance together in 03218?
- • Autoowners in 03218 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 Barnstead area, check out other zip codes nearby 03218.
Review average rates in another zip code:
03218 homeowners insurance rates
Home Replacement Cost Coverage in 03218
Average Building Cost Per Square Foot in 03218: $172
Location: Barnstead, New Hampshire (Belknap County)Average Square Footage in 03218: 1,160 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 03218 before you start any project. Barnstead 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 03218 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 03218 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,160 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 Barnstead 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 | 1,160 | $199,500 |
| Additional Upgrades & Added Features | $215 | 1,160 | $249,375 |
| Major Home Updates or Advancements | $258 | 1,160 | $299,250 |
It's important to understand that when you estimate your replacement cost of your home in the 03218 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 03218
Best Home & Auto Insurance Agencies in 03218
Housing Demographics for 03218
Population Review for 03218 Zip Code
For the city of Barnstead, the population within 03218 has increased to over 1,159 residents in population size. The current population total is 1,116. We have broken down the population based on race below. In 03218, there are over 522 in male population and 594 females.
| Population | Values |
|---|---|
| Total Population | 1,116 |
| White Population | 1052 |
| Black Population | 3 |
| Hispanic Population | 16 |
| Asian Population | 5 |
| Hawaiian Population | 0 |
| Indian Population | 5 |
| Other Population | 8 |
| Male Population | 522 |
| Female Population | 594 |
| Population Estimate | 1159 |
Household Data for 03218
The average number of homes in 03218 is around 425, there are an average of 2.63 per household. The average house value according to local real estate values is around $199,500. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 425 |
| Persons Per Household | 2.63 |
| Average House Value | $199,500 |
| Income Per Household | $81335 |
| Median Age | 46.3 |
| Median Age Male | 42.3 |
| Median Age Female | 50.0 |
| 03218 Details | Values |
|---|---|
| State | NH |
| State Full Name | New Hampshire |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 603 |
| City | Barnstead |
| City Alias Name | BARNSTEAD |
| County | Belknap |
| County FIPS | 001 |
| State FIPS | 33 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | |
| PMSA | |
| CSA | 148 |
| CBSA | 29060 |
| CBSA_DIV | |
| CBSA_Type | Micro |
| CBSA_Name | Laconia, NH |
| MSA_Name | |
| PMSA_Name | |
| Region | Northeast |
| Division | New England |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 15 |
| Number Of Employees | 42 |
| Business First Quarter Payroll | 289 |
| Business Annual Payroll | 1856 |
| 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 | 60088 |
| CBSA Division Population | 0 |
| Congressional District | 01 |
| Congressional LandArea | 2463.65 |
| Delivery Residential | 441 |
| Delivery Business | 7 |
| Delivery Total | 548 |
| Preferred Last Line Key | V25345 |
| Classification Code | |
| Multi-County | |
| CSA Name | Boston-Worcester-Providence, MA-RI-NH |
| CBSA_DIV_Name | |
| City State Key | V25345 |
| Land Area | 15.304000 |
| Water Area | 0.195000 |
| City Alias Code | |
| City Mixed Case | Barnstead |
| City Alias Mixed Case | Barnstead |
| Box Count | 47 |
| SFDU | 441 |
| MFDU | 0 |
| State ANSI | 33 |
| County ANSI | 001 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 320390 |
| Unique ZIP Name | |
| SSA State County Code | 30000 |
| Medicare CBSA Code | 99930 |
| Medicare CBSA Name | Rural Areas in NH |
| Medicare CBSA Type | Micro |
| Market Rating Area ID | 1 |
| County Mixed Case | Belknap |
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 […]