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Homeowners Insurance coverage in 03231

If you are a homeowner in 03231 or East Andover, NH you can now easily shop for homeowners insurance from the comfort of your own home. Check out GetHomeInsuranceQuotes.com and we will provide you with up to 12 insurance rate quotes from a variety of national insurance companies, making sure that you get the best premium quotes in East Andover.

Our service is always free so join the thousands of homeowners who have shopped for coverage, compared a variety of quotes and purchased a great policy using our site. Enter your zip code now and start shopping for a brand new homeowners policy.

Compare rates and find the best homeowners policy in 03231.

Learn more about our homeowners insurance shopping service by selecting the best East Andover, NH Home Insurance Quotes Online.

What is the Average Home Insurance Rates in 03231?

Residents of East Andover have found that shopping online for homeowners insurance coverage saves them not only time but money as well. So what is the average rate for homeowners insurance in New Hampshire? While New Hampshire is not the cheapest state in the country when it comes to homeowners insurance, it does rank fairly well. According to industry data, New Hampshire comes in at 34 in the country for homeowners insurance premiums.

If you are living in 03231 zipcode, expect to pay around $724 for homeowners coverage compared to the national average of $1,249. It’s important to remember that these figures are averages and your own premium may be higher or lower depending on your personal factors.

Average rates listed here are based on a standard homeowners insurance policy, which protects your home, personal possessions, liability protection, loss of use and even medical payments. As with most standard homeowner insurance policies, coverage in East Andover does not offer protection against flood damage. If you live within a flood zone, a separate flood insurance policy may be required.

Get started now and our agents will help you determine what coverages your need and the ideal coverage levels for your particular situation.

03231 Home Insurance Average Premiums

Local 03231 homeowners insurance quotes comparison

$474 /yr.

Shows Zip Code: 03231 lowest rates with discounts applied on average.

For the 03231, 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)
$474 /yr.
Average Coverage:$724 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1024 /yr.

What is the average home insurance cost for a home in 03231?

  • • The average homeowners insurance premium paid annually for a home in 03231 is around $724 per year.

What does it cost on average per month for home insurance in 03231?

  • • Homeowners in 03231 pay a monthly average cost per month around $60.00.

What kind of discount could I get if I combine my home and auto insurance together in 03231?

  • • Autoowners in 03231 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 East Andover area, check out other zip codes nearby 03231.
Review average rates in another zip code:
03231 homeowners insurance rates

Home Replacement Cost Coverage in 03231

Average Building Cost Per Square Foot in 03231: $172

Location: East Andover, New Hampshire (Merrimack County)

Average Square Footage in 03231: 1,931 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03231 before you start any project. East Andover 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 03231 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 03231 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,931 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 East Andover 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$1721,931$332,100
Additional Upgrades & Added Features$2151,931$415,125
Major Home Updates or Advancements$2581,931$498,150

It's important to understand that when you estimate your replacement cost of your home in the 03231 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 03231

Best Home & Auto Insurance Agencies in 03231

Housing Demographics for 03231

Population Review for 03231 Zip Code

For the city of East Andover, the population within 03231 has increased to over 0 residents in population size. The current population total is 85. We have broken down the population based on race below. In 03231, there are over 31 in male population and 54 females.

PopulationValues
Total Population85
White Population80
Black Population0
Hispanic Population5
Asian Population0
Hawaiian Population0
Indian Population0
Other Population1
Male Population31
Female Population54
Population Estimate0

Household Data for 03231

The average number of homes in 03231 is around 30, there are an average of 2.83 per household. The average house value according to local real estate values is around $332,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode30
Persons Per Household2.83
Average House Value$332,100
Income Per Household$90804
Median Age56.1
Median Age Male59.9
Median Age Female49.5
03231 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeZ
City Alias Abbreviation
Area Code603
CityEast Andover
City Alias NameEAST ANDOVER
CountyMerrimack
County FIPS013
State FIPS33
Time Zone5
Day Light SavingY
MSA
PMSA
CSA148
CBSA18180
CBSA_DIV
CBSA_TypeMicro
CBSA_NameConcord, NH
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses3
Number Of Employees29
Business First Quarter Payroll344
Business Annual Payroll1655
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population146445
CBSA Division Population0
Congressional District02
Congressional LandArea6489
Delivery Residential0
Delivery Business0
Delivery Total108
Preferred Last Line KeyV25449
Classification CodeP
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25449
Land Area0.286000
Water Area0.327000
City Alias Code
City Mixed CaseEast Andover
City Alias Mixed CaseEast Andover
Box Count100
SFDU0
MFDU0
State ANSI33
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number321920
Unique ZIP Name
SSA State County Code30060
Medicare CBSA Code99930
Medicare CBSA NameRural Areas in NH
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseMerrimack

New Hampshire Homeowners Insurance News & Information

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]