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Compare 03868 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Rochester just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 2,586 neighbors looking to save on their home insurance policy in the local 03868 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 03868. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best New Hampshire rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Rochester, NH home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Rochester, NH

03868 Home Insurance Average Premiums

Local 03868 homeowners insurance quotes comparison

$566 /yr.

Shows Zip Code: 03868 lowest rates with discounts applied on average.

For the 03868, 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)		$566 /yr.
Average Coverage:$816 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1116 /yr.

What is the average home insurance cost for a home in 03868?

  • • The average homeowners insurance premium paid annually for a home in 03868 is around $816 per year.

What does it cost on average per month for home insurance in 03868?

  • • Homeowners in 03868 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 03868?

  • • Autoowners in 03868 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 Rochester area, check out other zip codes nearby 03868.
Review average rates in another zip code:
03868 homeowners insurance rates
03839 homeowners insurance rates
03867 homeowners insurance rates

Home Replacement Cost Coverage in 03868

Average Building Cost Per Square Foot in 03868: $172

Location: Rochester, New Hampshire (Strafford County)

Average Square Footage in 03868: 1,209 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 03868 before you start any project. Rochester 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 03868 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 03868 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,209 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 Rochester 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$1721,209$208,000
Additional Upgrades & Added Features$2151,209$260,000
Major Home Updates or Advancements$2581,209$312,000

It's important to understand that when you estimate your replacement cost of your home in the 03868 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 03868

Best Home & Auto Insurance Agencies in 03868

Housing Demographics for 03868

Population Review for 03868 Zip Code

For the city of Rochester, the population within 03868 has increased to over 6,444 residents in population size. The current population total is 6,065. We have broken down the population based on race below. In 03868, there are over 2995 in male population and 3070 females.

PopulationValues
Total Population6,065
White Population5577
Black Population42
Hispanic Population146
Asian Population86
Hawaiian Population0
Indian Population12
Other Population34
Male Population2995
Female Population3070
Population Estimate6444

Household Data for 03868

The average number of homes in 03868 is around 2,586, there are an average of 2.33 per household. The average house value according to local real estate values is around $208,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,586
Persons Per Household2.33
Average House Value$208,000
Income Per Household$61667
Median Age46.4
Median Age Male44.1
Median Age Female48.4
03868 DetailsValues
StateNH
State Full NameNew Hampshire
City TypeP
City Alias Abbreviation
Area Code603
CityRochester
City Alias NameROCHESTER
CountyStrafford
County FIPS017
State FIPS33
Time Zone5
Day Light SavingY
MSA1122
PMSA6450
CSA148
CBSA14460
CBSA_DIV40484
CBSA_TypeMetro
CBSA_NameBoston-Cambridge-Newton, MA-NH
MSA_NameBoston-Worcester-Lawrence, MA-NH-ME-CT CMSA
PMSA_NamePortsmouth-Rochester, NH-ME PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses76
Number Of Employees870
Business First Quarter Payroll9201
Business Annual Payroll43207
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4552402
CBSA Division Population418366
Congressional District01
Congressional LandArea2463.65
Delivery Residential2766
Delivery Business99
Delivery Total3664
Preferred Last Line KeyV25684
Classification Code
Multi-County
CSA NameBoston-Worcester-Providence, MA-RI-NH
CBSA_DIV_NameRockingham County-Strafford County, NH
City State KeyV25684
Land Area8.747000
Water Area0.007000
City Alias Code
City Mixed CaseRochester
City Alias Mixed CaseRochester
Box Count21
SFDU1773
MFDU866
State ANSI33
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number327140
Unique ZIP Name
SSA State County Code30080
Medicare CBSA Code40484
Medicare CBSA NameRockingham County-Strafford County, NH
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseStrafford

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

    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 […]