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03225 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 03225? There are over 1,498 occupied homes in the 03225 area. With a population size of 3,799, it's not uncommon for residence of Center Barnstead, NH to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New Hampshire is around $809 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 03225 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Center Barnstead, NH Home Insurance Rate Quotes

03225 Home Insurance Average Premiums

Local 03225 homeowners insurance quotes comparison

$559 /yr.

Shows Zip Code: 03225 lowest rates with discounts applied on average.

For the 03225, 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)		$559 /yr.
Average Coverage:$809 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1109 /yr.

What is the average home insurance cost for a home in 03225?

  • • The average homeowners insurance premium paid annually for a home in 03225 is around $809 per year.

What does it cost on average per month for home insurance in 03225?

  • • Homeowners in 03225 pay a monthly average cost per month around $67.00.

What kind of discount could I get if I combine my home and auto insurance together in 03225?

  • • Autoowners in 03225 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 Center Barnstead area, check out other zip codes nearby 03225.
Review average rates in another zip code:
03225 homeowners insurance rates

Home Replacement Cost Coverage in 03225

Average Building Cost Per Square Foot in 03225: $172

Location: Center Barnstead, New Hampshire (Belknap County)

Average Square Footage in 03225: 1,349 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03225 before you start any project. Center 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 03225 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 03225 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,349 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 Center 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1721,349$232,000
Additional Upgrades & Added Features$2151,349$290,000
Major Home Updates or Advancements$2581,349$348,000

It's important to understand that when you estimate your replacement cost of your home in the 03225 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 03225

Best Home & Auto Insurance Agencies in 03225

Housing Demographics for 03225

Population Review for 03225 Zip Code

For the city of Center Barnstead, the population within 03225 has increased to over 4,282 residents in population size. The current population total is 3,799. We have broken down the population based on race below. In 03225, there are over 1950 in male population and 1849 females.

PopulationValues
Total Population3,799
White Population3534
Black Population10
Hispanic Population66
Asian Population13
Hawaiian Population2
Indian Population4
Other Population25
Male Population1950
Female Population1849
Population Estimate4282

Household Data for 03225

The average number of homes in 03225 is around 1,498, there are an average of 2.54 per household. The average house value according to local real estate values is around $232,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,498
Persons Per Household2.54
Average House Value$232,000
Income Per Household$75202
Median Age43.9
Median Age Male45.2
Median Age Female42.3
03225 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeP
City Alias AbbreviationCTR BARNSTEAD
Area Code603
CityCenter Barnstead
City Alias NameCENTER BARNSTEAD
CountyBelknap
County FIPS001
State FIPS33
Time Zone5
Day Light SavingY
MSA
PMSA
CSA148
CBSA29060
CBSA_DIV
CBSA_TypeMicro
CBSA_NameLaconia, NH
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses48
Number Of Employees227
Business First Quarter Payroll1653
Business Annual Payroll8142
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population60088
CBSA Division Population0
Congressional District01
Congressional LandArea2463.65
Delivery Residential1686
Delivery Business34
Delivery Total1911
Preferred Last Line KeyV25378
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25378
Land Area27.756000
Water Area1.684000
City Alias Code
City Mixed CaseCenter Barnstead
City Alias Mixed CaseCenter Barnstead
Box Count157
SFDU1686
MFDU0
State ANSI33
County ANSI001
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number321050
Unique ZIP Name
SSA State County Code30000
Medicare CBSA Code99930
Medicare CBSA NameRural Areas in NH
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseBelknap

New Hampshire Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]