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03768 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 03768? There are over 690 occupied homes in the 03768 area. With a population size of 1,736, it's not uncommon for residence of Lyme, 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 $682 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 03768 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: Lyme, NH Home Insurance Rate Quotes

03768 Home Insurance Average Premiums

Local 03768 homeowners insurance quotes comparison

$432 /yr.

Shows Zip Code: 03768 lowest rates with discounts applied on average.

For the 03768, 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)
$432 /yr.
Average Coverage:$682 /yr.
2600 sq. ft. or higher
(all discounts applied)
$982 /yr.

What is the average home insurance cost for a home in 03768?

  • • The average homeowners insurance premium paid annually for a home in 03768 is around $682 per year.

What does it cost on average per month for home insurance in 03768?

  • • Homeowners in 03768 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 03768?

  • • Autoowners in 03768 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 Lyme area, check out other zip codes nearby 03768.
Review average rates in another zip code:
03768 homeowners insurance rates

Home Replacement Cost Coverage in 03768

Average Building Cost Per Square Foot in 03768: $172

Location: Lyme, New Hampshire (Grafton County)

Average Square Footage in 03768: 3,029 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03768 before you start any project. Lyme 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 03768 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 03768 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,029 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 Lyme 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$1723,029$521,000
Additional Upgrades & Added Features$2153,029$651,250
Major Home Updates or Advancements$2583,029$781,500

It's important to understand that when you estimate your replacement cost of your home in the 03768 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 03768

Best Home & Auto Insurance Agencies in 03768

Housing Demographics for 03768

Population Review for 03768 Zip Code

For the city of Lyme, the population within 03768 has increased to over 1,517 residents in population size. The current population total is 1,736. We have broken down the population based on race below. In 03768, there are over 858 in male population and 878 females.

PopulationValues
Total Population1,736
White Population1572
Black Population10
Hispanic Population30
Asian Population33
Hawaiian Population2
Indian Population0
Other Population7
Male Population858
Female Population878
Population Estimate1517

Household Data for 03768

The average number of homes in 03768 is around 690, there are an average of 2.50 per household. The average house value according to local real estate values is around $521,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode690
Persons Per Household2.50
Average House Value$521,000
Income Per Household$125156
Median Age48.3
Median Age Male47.5
Median Age Female49.3
03768 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeP
City Alias Abbreviation
Area Code603
CityLyme
City Alias NameLYME
CountyGrafton
County FIPS009
State FIPS33
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA30150
CBSA_DIV
CBSA_TypeMicro
CBSA_NameLebanon-Claremont, NH-VT
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses47
Number Of Employees280
Business First Quarter Payroll4125
Business Annual Payroll20621
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District02
Congressional LandArea6489
Delivery Residential607
Delivery Business21
Delivery Total1538
Preferred Last Line KeyV25562
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyV25562
Land Area53.760000
Water Area1.205000
City Alias Code
City Mixed CaseLyme
City Alias Mixed CaseLyme
Box Count153
SFDU572
MFDU35
State ANSI33
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number324680
Unique ZIP Name
SSA State County Code30040
Medicare CBSA Code99930
Medicare CBSA NameRural Areas in NH
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseGrafton

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 […]