Get multiple home insurance quotes in 03234. Our licensed 03234, NH agents are ready to serve you.

03234 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 03234 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Epsom, NH quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 03234.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 03234 and start shopping.

Quickly and Easily Compare Average Rates for 03234

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Epsom, NH home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 03234

Homeowners in Epsom are paying roughly $767 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.

Save on 03234 Home Insurance Quotes right now!

03234 Home Insurance Average Premiums

Local 03234 homeowners insurance quotes comparison

$517 /yr.

Shows Zip Code: 03234 lowest rates with discounts applied on average.

For the 03234, 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)
$517 /yr.
Average Coverage:$767 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1067 /yr.

What is the average home insurance cost for a home in 03234?

  • • The average homeowners insurance premium paid annually for a home in 03234 is around $767 per year.

What does it cost on average per month for home insurance in 03234?

  • • Homeowners in 03234 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 03234?

  • • Autoowners in 03234 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 Epsom area, check out other zip codes nearby 03234.
Review average rates in another zip code:
03234 homeowners insurance rates

Home Replacement Cost Coverage in 03234

Average Building Cost Per Square Foot in 03234: $172

Location: Epsom, New Hampshire (Merrimack County)

Average Square Footage in 03234: 1,462 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03234 before you start any project. Epsom 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 03234 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 03234 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,462 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 Epsom 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$1721,462$251,400
Additional Upgrades & Added Features$2151,462$314,250
Major Home Updates or Advancements$2581,462$377,100

It's important to understand that when you estimate your replacement cost of your home in the 03234 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 03234

Best Home & Auto Insurance Agencies in 03234

Housing Demographics for 03234

Population Review for 03234 Zip Code

For the city of Epsom, the population within 03234 has increased to over 4,742 residents in population size. The current population total is 4,817. We have broken down the population based on race below. In 03234, there are over 2376 in male population and 2441 females.

PopulationValues
Total Population4,817
White Population4514
Black Population18
Hispanic Population78
Asian Population21
Hawaiian Population0
Indian Population0
Other Population34
Male Population2376
Female Population2441
Population Estimate4742

Household Data for 03234

The average number of homes in 03234 is around 1,893, there are an average of 2.50 per household. The average house value according to local real estate values is around $251,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,893
Persons Per Household2.50
Average House Value$251,400
Income Per Household$96607
Median Age48.0
Median Age Male46.1
Median Age Female49.7
03234 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeP
City Alias Abbreviation
Area Code603
CityEpsom
City Alias NameEPSOM
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 Businesses110
Number Of Employees1196
Business First Quarter Payroll11615
Business Annual Payroll59134
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 Residential1897
Delivery Business78
Delivery Total2373
Preferred Last Line KeyV25470
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_Name
City State KeyV25470
Land Area34.413000
Water Area0.198000
City Alias Code
City Mixed CaseEpsom
City Alias Mixed CaseEpsom
Box Count288
SFDU1655
MFDU204
State ANSI33
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number322640
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 – 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 […]