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03446 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 03446? There are over 2,713 occupied homes in the 03446 area. With a population size of 6,351, it's not uncommon for residence of Swanzey, 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 $810 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 03446 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: Swanzey, NH Home Insurance Rate Quotes

03446 Home Insurance Average Premiums

Local 03446 homeowners insurance quotes comparison

$560 /yr.

Shows Zip Code: 03446 lowest rates with discounts applied on average.

For the 03446, 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)
$560 /yr.
Average Coverage:$810 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1110 /yr.

What is the average home insurance cost for a home in 03446?

  • • The average homeowners insurance premium paid annually for a home in 03446 is around $810 per year.

What does it cost on average per month for home insurance in 03446?

  • • Homeowners in 03446 pay a monthly average cost per month around $68.00.

What kind of discount could I get if I combine my home and auto insurance together in 03446?

  • • Autoowners in 03446 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 Swanzey area, check out other zip codes nearby 03446.
Review average rates in another zip code:
03446 homeowners insurance rates

Home Replacement Cost Coverage in 03446

Average Building Cost Per Square Foot in 03446: $172

Location: Swanzey, New Hampshire (Cheshire County)

Average Square Footage in 03446: 1,201 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03446 before you start any project. Swanzey 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 03446 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 03446 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,201 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 Swanzey 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$1721,201$206,500
Additional Upgrades & Added Features$2151,201$258,125
Major Home Updates or Advancements$2581,201$309,750

It's important to understand that when you estimate your replacement cost of your home in the 03446 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 03446

San

Address: PO Box 10130 Swanzey, NH 03446
Phone: (603)358-3190
Website:

Best Home & Auto Insurance Agencies in 03446

San

Address: PO Box 10130 Swanzey, NH 03446
Phone:
Website:
Info:

Housing Demographics for 03446

Population Review for 03446 Zip Code

For the city of Swanzey, the population within 03446 has increased to over 6,294 residents in population size. The current population total is 6,351. We have broken down the population based on race below. In 03446, there are over 3174 in male population and 3177 females.

PopulationValues
Total Population6,351
White Population5809
Black Population33
Hispanic Population124
Asian Population107
Hawaiian Population1
Indian Population11
Other Population60
Male Population3174
Female Population3177
Population Estimate6294

Household Data for 03446

The average number of homes in 03446 is around 2,713, there are an average of 2.34 per household. The average house value according to local real estate values is around $206,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,713
Persons Per Household2.34
Average House Value$206,500
Income Per Household$74598
Median Age47.0
Median Age Male45.7
Median Age Female48.0
03446 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeP
City Alias Abbreviation
Area Code603
CitySwanzey
City Alias NameSWANZEY
CountyCheshire
County FIPS005
State FIPS33
Time Zone5
Day Light SavingY
MSA
PMSA
CSA313
CBSA28300
CBSA_DIV
CBSA_TypeMicro
CBSA_NameKeene, NH
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses121
Number Of Employees1480
Business First Quarter Payroll14889
Business Annual Payroll73641
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population77117
CBSA Division Population0
Congressional District02
Congressional LandArea6489
Delivery Residential2690
Delivery Business113
Delivery Total3034
Preferred Last Line KeyV25458
Classification Code
Multi-County
CSA NameKeene-Brattleboro, NH-VT
CBSA_DIV_Name
City State KeyV25458
Land Area44.328000
Water Area0.229000
City Alias Code
City Mixed CaseSwanzey
City Alias Mixed CaseSwanzey
Box Count159
SFDU1980
MFDU145
State ANSI33
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number322340
Unique ZIP Name
SSA State County Code30020
Medicare CBSA Code99930
Medicare CBSA NameRural Areas in NH
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseCheshire

New Hampshire Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • 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 […]

  • 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 […]