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03470 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 03470 zip code it's important to know that our rates are very competitive for homeowners living in Winchester, NH. Many homeowners based out of your 03470 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New Hampshire licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 03470 should appear in the zip code field ready to go. For Winchester, NH Homeowners Insurance Quotes nearby, we offer the best rates and service.

03470: Average Home Insurance Rates

For homeowners living in the great city of Winchester, the average homeowners policy is considered medium in comparison to other states. New Hampshire premiums are estimated to be around $788 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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03470 Home Insurance Average Premiums

Local 03470 homeowners insurance quotes comparison

$538 /yr.

Shows Zip Code: 03470 lowest rates with discounts applied on average.

For the 03470, 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)		$538 /yr.
Average Coverage:$788 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1088 /yr.

What is the average home insurance cost for a home in 03470?

  • • The average homeowners insurance premium paid annually for a home in 03470 is around $788 per year.

What does it cost on average per month for home insurance in 03470?

  • • Homeowners in 03470 pay a monthly average cost per month around $66.00.

What kind of discount could I get if I combine my home and auto insurance together in 03470?

  • • Autoowners in 03470 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 Winchester area, check out other zip codes nearby 03470.
Review average rates in another zip code:
03470 homeowners insurance rates

Home Replacement Cost Coverage in 03470

Average Building Cost Per Square Foot in 03470: $172

Location: Winchester, New Hampshire (Cheshire County)

Average Square Footage in 03470: 1,050 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03470 before you start any project. Winchester 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 03470 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 03470 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,050 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 Winchester 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$1721,050$180,600
Additional Upgrades & Added Features$2151,050$225,750
Major Home Updates or Advancements$2581,050$270,900

It's important to understand that when you estimate your replacement cost of your home in the 03470 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 03470

Best Home & Auto Insurance Agencies in 03470

Housing Demographics for 03470

Population Review for 03470 Zip Code

For the city of Winchester, the population within 03470 has increased to over 5,072 residents in population size. The current population total is 4,993. We have broken down the population based on race below. In 03470, there are over 2507 in male population and 2486 females.

PopulationValues
Total Population4,993
White Population4593
Black Population30
Hispanic Population129
Asian Population34
Hawaiian Population1
Indian Population19
Other Population36
Male Population2507
Female Population2486
Population Estimate5072

Household Data for 03470

The average number of homes in 03470 is around 2,026, there are an average of 2.42 per household. The average house value according to local real estate values is around $180,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,026
Persons Per Household2.42
Average House Value$180,600
Income Per Household$66200
Median Age46.9
Median Age Male46.1
Median Age Female47.8
03470 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeP
City Alias Abbreviation
Area Code603
CityWinchester
City Alias NameWINCHESTER
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 Businesses83
Number Of Employees733
Business First Quarter Payroll6219
Business Annual Payroll28957
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 Residential2096
Delivery Business87
Delivery Total2381
Preferred Last Line KeyV25820
Classification Code
Multi-County
CSA NameKeene-Brattleboro, NH-VT
CBSA_DIV_Name
City State KeyV25820
Land Area88.221000
Water Area0.753000
City Alias Code
City Mixed CaseWinchester
City Alias Mixed CaseWinchester
Box Count163
SFDU1864
MFDU99
State ANSI33
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number329780
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

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]