Get multiple home insurance quotes in 03448. Our licensed 03448, NH agents are ready to serve you.

03448 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 03448 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Gilsum, NH. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 03448 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in New Hampshire, like average Gilsum homeowners insurance rates, coverage options or home insurance types, please select Gilsum, NH Home Insurance Rates Online!

03448 Home Insurance Average Premiums

Local 03448 homeowners insurance quotes comparison

$511 /yr.

Shows Zip Code: 03448 lowest rates with discounts applied on average.

For the 03448, 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)
$511 /yr.
Average Coverage:$761 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1061 /yr.

What is the average home insurance cost for a home in 03448?

  • • The average homeowners insurance premium paid annually for a home in 03448 is around $761 per year.

What does it cost on average per month for home insurance in 03448?

  • • Homeowners in 03448 pay a monthly average cost per month around $63.00.

What kind of discount could I get if I combine my home and auto insurance together in 03448?

  • • Autoowners in 03448 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 Gilsum area, check out other zip codes nearby 03448.
Review average rates in another zip code:
03448 homeowners insurance rates

Home Replacement Cost Coverage in 03448

Average Building Cost Per Square Foot in 03448: $172

Location: Gilsum, New Hampshire (Cheshire County)

Average Square Footage in 03448: 1,127 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03448 before you start any project. Gilsum 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 03448 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 03448 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,127 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 Gilsum 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$1721,127$193,800
Additional Upgrades & Added Features$2151,127$242,250
Major Home Updates or Advancements$2581,127$290,700

It's important to understand that when you estimate your replacement cost of your home in the 03448 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 03448

Best Home & Auto Insurance Agencies in 03448

Housing Demographics for 03448

Population Review for 03448 Zip Code

For the city of Gilsum, the population within 03448 has increased to over 429 residents in population size. The current population total is 752. We have broken down the population based on race below. In 03448, there are over 393 in male population and 359 females.

PopulationValues
Total Population752
White Population694
Black Population4
Hispanic Population24
Asian Population3
Hawaiian Population0
Indian Population4
Other Population5
Male Population393
Female Population359
Population Estimate429

Household Data for 03448

The average number of homes in 03448 is around 308, there are an average of 2.44 per household. The average house value according to local real estate values is around $193,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode308
Persons Per Household2.44
Average House Value$193,800
Income Per Household$66875
Median Age47.6
Median Age Male48.0
Median Age Female46.8
03448 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeP
City Alias Abbreviation
Area Code603
CityGilsum
City Alias NameGILSUM
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 Businesses19
Number Of Employees124
Business First Quarter Payroll1001
Business Annual Payroll4504
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 Residential176
Delivery Business3
Delivery Total402
Preferred Last Line KeyV25487
Classification Code
Multi-County
CSA NameKeene-Brattleboro, NH-VT
CBSA_DIV_Name
City State KeyV25487
Land Area16.653000
Water Area0.022000
City Alias Code
City Mixed CaseGilsum
City Alias Mixed CaseGilsum
Box Count192
SFDU176
MFDU0
State ANSI33
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number323150
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

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    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

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  • $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 […]