Get multiple home insurance quotes in 07077. Our licensed 07077, NJ agents are ready to serve you.

Compare 07077 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 07077 area? The average homeowners premium in New Jersey for a standard homeowners policy is around $1,000/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 07077 zip code, the population size is around 2,885 with 1,037 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 07077.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Sewaren, NJ Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. NJ RateDiscountsSavingsShop Rates
$1,277up to 40% off$511

07077 Home Insurance Average Premiums

Local 07077 homeowners insurance quotes comparison

$750 /yr.

Shows Zip Code: 07077 lowest rates with discounts applied on average.

For the 07077, 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)		$750 /yr.
Average Coverage:$1000 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1300 /yr.

What is the average home insurance cost for a home in 07077?

  • • The average homeowners insurance premium paid annually for a home in 07077 is around $1000 per year.

What does it cost on average per month for home insurance in 07077?

  • • Homeowners in 07077 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 07077?

  • • Autoowners in 07077 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 Sewaren area, check out other zip codes nearby 07077.
Review average rates in another zip code:
07077 homeowners insurance rates

Home Replacement Cost Coverage in 07077

Average Building Cost Per Square Foot in 07077: $193

Location: Sewaren, New Jersey (Middlesex County)

Average Square Footage in 07077: 1,667 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07077 before you start any project. Sewaren homeowners pay on average around $193 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 07077 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 07077 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,667 sq. ft. and the average cost to rebuild the home in this area is around $193 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 Sewaren 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$1931,667$321,700
Additional Upgrades & Added Features$2411,667$402,125
Major Home Updates or Advancements$2901,667$482,550

It's important to understand that when you estimate your replacement cost of your home in the 07077 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 07077

Best Home & Auto Insurance Agencies in 07077

Housing Demographics for 07077

Population Review for 07077 Zip Code

For the city of Sewaren, the population within 07077 has increased to over 2,679 residents in population size. The current population total is 2,885. We have broken down the population based on race below. In 07077, there are over 1391 in male population and 1494 females.

PopulationValues
Total Population2,885
White Population1612
Black Population316
Hispanic Population892
Asian Population145
Hawaiian Population0
Indian Population24
Other Population378
Male Population1391
Female Population1494
Population Estimate2679

Household Data for 07077

The average number of homes in 07077 is around 1,037, there are an average of 2.78 per household. The average house value according to local real estate values is around $321,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,037
Persons Per Household2.78
Average House Value$321,700
Income Per Household$101532
Median Age42.2
Median Age Male39.0
Median Age Female44.4
07077 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code732
CitySewaren
City Alias NameSEWAREN
CountyMiddlesex
County FIPS023
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5015
CSA408
CBSA35620
CBSA_DIV29484
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameMiddlesex-Somerset-Hunterdon, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses29
Number Of Employees368
Business First Quarter Payroll5696
Business Annual Payroll21398
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population18897109
CBSA Division Population2340249
Congressional District06
Congressional LandArea215.55
Delivery Residential964
Delivery Business29
Delivery Total2430
Preferred Last Line KeyV11377
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV11377
Land Area1.542000
Water Area0.569000
City Alias Code
City Mixed CaseSewaren
City Alias Mixed CaseSewaren
Box Count21
SFDU879
MFDU2
State ANSI34
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number337680
Unique ZIP Name
SSA State County Code31270
Medicare CBSA Code35154
Medicare CBSA NameNew Brunswick-Lakewood, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseMiddlesex

New Jersey Homeowners Insurance News & Information

  • Buy Flood Insurance: What we learned from Hurricane Ida Posted on Monday 20th September, 2021

    On September 2, 2021, Parked cars in New Brunswick, New Jersey submerged underwater after Tropical Storm Ida. Hurricane Ida struck Louisiana as a category 4 hurricane with 150 mile an hour winds and days later hit New Jersey, New York, and other states with a massive amount of rain that has caused numerous flash floods, […]

  • FEMA’s new rating system is called “Risk Rating 2.0,” effective October 1st, 2021 Posted on Wednesday 28th April, 2021

    A recent report by ValuePenguin looked at the new risk ratings that the Federal Emergency Management Agency’s (FEMA) will be using when determining premiums for flood insurance in the National Flood Insurance Program (NFIP). The report found that millions of homeowners could see noticeable increases in flood insurance costs. FEMA’s new rating system is called […]