Swanzey Insurance Rates:

Swanzey, NH home insurance is nearly $584 to $798, about $48-$66/month. Our comprehensive analysis shows customers can save as much as $276 by getting multiple quotes

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Swanzey Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $450/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $205,000

5 Beds, 5 Baths 2120 sqft Seasonal Residence Constructed In 1963 with Carpet Flooring, Tile Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

4 Beds, 4 Bath 3040 sqft Rental Property Constructed In 1976 with Stone Flooring, Metal Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $1270/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1770 sqft Primary Residence Constructed In 1995 with Stone Flooring, Membrane Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

69 Years old Married Female who is Retired and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $370/3 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $610,000

5 Beds, 5 Baths 4650 sqft Seasonal Residence Constructed In 1961 with Hardwood Flooring, Tile Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1390/12 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $495,000

5 Beds, 5 Baths 4310 sqft Rental Property Constructed In 1969 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $770/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $340,000

5 Beds, 5 Baths 3120 sqft Rental Property Constructed In 1999 with Wood Flooring, Tile Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $870/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

5 Beds, 5 Baths 1860 sqft Primary Residence Constructed In 1948 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Home Insurance Rate of $630/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

3 Beds, 3 Bath 1370 sqft Rental Property Constructed In 1990 with Ceramic Tile Flooring, Composition Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Swanzey Rates & Quotes Analysis:

Swanzey Area Estimated House Insurance
E Shore Rd, Centerview Dr, Old Richmond Rd, Base Hill Rd, Westbrook Ct, Cobble Hill Rd, California Brook Rd, Swanzey Factory Rd, Goodell Ave, Woodland Hts Dr$688
Stonefield Ln, Troy Hill Rd, Mount Huggins Rd, Old Homestead Hwy, Denman Thompson Ave, Cory Pond Rd, Monadnock Hwy, Pebble Hill Rd, Anthony Cir, Morningside Ln$692
Marcy Hill Rd, Sunset Pt, Talbot Hill Rd, Hackler Dr, Rabbit Hollow Rd, James Rd, Old Eaton Rd, Dartmouth Rd, Swanzey St, Fox Run Rd$692
Day Rd, Causeway Rd, Christian Hill Rd, Hillside Ave, Young Ct, Ridge Rd, Sandy Rd, Ash Hill Rd, Cram Hill Rd, Sawyers Crossing Rd$692
Whitcombs Mill Rd, Old Lake St, Longwood Dr, Ford Rd, Aviation Dr, Lake St, Perry Ln, Homestead Ave, Webber Hill Rd, Mountainview$691

Insurance rates are influenced by a number of factors including:

  • Year Built: 609 Homes (19% of total homes ) built between 1939 or earlier in Swanzey are paying home insurance between $1,477-$1,487. Places close to Swanzey, NH such as Richmond, Chesterfield, Roxbury are more expensive by $12, $46, $30 respectively while West Swanzey and Troy are cheaper by $10 and $22 respectively for similar homes.
  • Bedrooms: 434 4 bedrooms homes (13% of total homes ) in Swanzey are paying about $740 in contrast with Chesterfield (+$15), Roxbury (+$7), Westmoreland (+$11), West Swanzey (-$14) and Cheshire County (-$7).
  • Auto Insurance Bundling: 1,077 Households (47% of all households) in Swanzey have 2 vehicles available and when it is bundled with home insurance you can save $138 and varies from West Swanzey ($137), Cheshire County ($138), Troy ($136).
  • Senior Discounts: 1,183 seniors (more than 55 years) occupied housing units (52% of total) in Swanzey get discounts between $103 to $106 and differs from West Swanzey ($102), Cheshire County ($103), Richmond ($104).
  • New Homes discounts: New homes such as the 1,208 homes built between 2000 to 2009 in Swanzey can save $138 and differs from West Swanzey ($137), Cheshire County ($138), Troy ($136).

Swanzey Homeowners insurance Facts

  • Swanzey, NH has 2,256 owner occupied houses which is 77.5% of all units whereas West Swanzey, Cheshire County and Troy have 61.35%, 71.27% and 68.94% respectively.
  • Swanzey, NH homeowners yearly insurance price at $692 is 0.35% of the typical house value of $196,300 which is in contrast with 0.39% in West Swanzey, 0.35% at Cheshire County & 0.42% in Troy.
  • Homeowners in Swanzey, NH pay 1.2% of their income ($45,000 to $49,999) in insurance whereas homeowners in West Swanzey, Cheshire County and Troy pay 1.19%, 1.2% and 1.18% respectively.
  • Swanzey, NH’s insurance is 3.4% of monthly housing costs of $1,681/month, for owners with a mortgage compared to 4.87% in West Swanzey, 3.43% at Cheshire County & 3.37% in Troy. But, for households without a mortgage, insurance is 8.2% of costs ($704 in Swanzey, NH) in contrast with 8.64% in West Swanzey, 7.79% at Cheshire County & 9.69% in Troy.

Swanzey, NH Home Values & Insurance rates

For example, insurance for 32 Homes (1.0% of total homes ) valued between $90,000 to $99,999 in Swanzey, NH is about $332. Rates in nearby areas in such as Cheshire County, Richmond, Marlborough are cheaper by $7, $26, $7 respectively while Troy and Winchester are costlier by $69 and $94 respectively for similar homes.

Swanzey, NH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 161 7.0% $83
$70,000 to $79,999 46 2.0% $262
$90,000 to $99,999 32 1.0% $332
$100,000 to $124,999 170 7.0% $387
$125,000 to $149,999 203 9.0% $484
$150,000 to $174,999 229 10.0% $567
$175,000 to $199,999 307 13.0% $657
$200,000 to $249,999 584 26.0% $788
$250,000 to $299,999 328 14.0% $968
$300,000 to $399,999 129 5.0% $1231

Renters Insurance in Swanzey

  • Average Renters Insurance in Swanzey :  $146($12/month)

  • Median Gross Rent in Swanzey :  $998

  • Swanzey Renters Insurance to Median Rent Ratio:  1.2%

  • Renter occupied housing units in Swanzey :  657

Swanzey Renters Insurance as a Percentage of Rent

Swanzey Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 40 6.0% $786
$500 to $749 64 10.0% $1911
$750 to $999 201 33.0% $2661
$1,000 to $1,499 253 41.0% $3786
$1,500 or more 49 8.0% $5436

Rent Affordability in Swanzey:

Approximately 37.0% (245) of households are spending more than 35% of their income on gross rent in Swanzey

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 63 9.0%
15.0 to 19.9 percent 105 15.0%
20.0 to 24.9 percent 96 14.0%
25.0 to 29.9 percent 62 9.0%
30.0 to 34.9 percent 86 13.0%
35.0 percent or more 245 37.0%

Swanzey Renters Insurance Discounts:

Swanzey Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Swanzey, NH Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 369 56.0% $14.6
2 vehicles available 149 22.0% $21.9
3 or more vehicles available 63 9.0% $29.2

Protective device discount in Swanzey Up to :  $21

Claims-free discount in Swanzey Up to :  $29