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07079 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 07079? There are over 5,984 occupied homes in the 07079 area. With a population size of 18,597, it's not uncommon for residence of South Orange, NJ 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 Jersey is around $1,037 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 07079 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: South Orange, NJ Home Insurance Rate Quotes

07079 Home Insurance Average Premiums

Local 07079 homeowners insurance quotes comparison

$787 /yr.

Shows Zip Code: 07079 lowest rates with discounts applied on average.

For the 07079, 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)
$787 /yr.
Average Coverage:$1037 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1337 /yr.

What is the average home insurance cost for a home in 07079?

  • • The average homeowners insurance premium paid annually for a home in 07079 is around $1037 per year.

What does it cost on average per month for home insurance in 07079?

  • • Homeowners in 07079 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 07079?

  • • Autoowners in 07079 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 South Orange area, check out other zip codes nearby 07079.
Review average rates in another zip code:
07079 homeowners insurance rates

Home Replacement Cost Coverage in 07079

Average Building Cost Per Square Foot in 07079: $193

Location: South Orange, New Jersey (Essex County)

Average Square Footage in 07079: 3,455 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07079 before you start any project. South Orange 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 07079 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 07079 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,455 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 South Orange 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$1933,455$666,900
Additional Upgrades & Added Features$2413,455$833,625
Major Home Updates or Advancements$2903,455$1,000,350

It's important to understand that when you estimate your replacement cost of your home in the 07079 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 07079

Best Home & Auto Insurance Agencies in 07079

Antoine, Amin - State Farm Insurance Agent

Address: 109 Valley St South Orange, NJ 07079
Phone:
Website: http://www.citysearch.com/profile/external/605135242/south_orange_nj/antoine_amin_state_farm_insurance_agent.html
Info:

Charanjit Tucker - Allstate Agent

Address: 69 Valley St South Orange, NJ 07079
Phone:
Website: http://www.allstateagencies.com/049404/Welcome/
Info:

Housing Demographics for 07079

Population Review for 07079 Zip Code

For the city of South Orange, the population within 07079 has increased to over 17,110 residents in population size. The current population total is 18,597. We have broken down the population based on race below. In 07079, there are over 8948 in male population and 9649 females.

PopulationValues
Total Population18,597
White Population10772
Black Population3983
Hispanic Population1615
Asian Population1238
Hawaiian Population5
Indian Population39
Other Population837
Male Population8948
Female Population9649
Population Estimate17110

Household Data for 07079

The average number of homes in 07079 is around 5,984, there are an average of 2.71 per household. The average house value according to local real estate values is around $666,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,984
Persons Per Household2.71
Average House Value$666,900
Income Per Household$158333
Median Age35.0
Median Age Male34.5
Median Age Female35.4
07079 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code973/862
CitySouth Orange
City Alias NameSOUTH ORANGE
CountyEssex
County FIPS013
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5640
CSA408
CBSA35620
CBSA_DIV35084
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameNewark, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses460
Number Of Employees5927
Business First Quarter Payroll55454
Business Annual Payroll247666
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 Population2090358
Congressional District10|11
Congressional LandArea75.92|504.97
Delivery Residential6314
Delivery Business479
Delivery Total7418
Preferred Last Line KeyV11445
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNewark, NJ
City State KeyV11445
Land Area2.851000
Water Area0.002000
City Alias Code
City Mixed CaseSouth Orange
City Alias Mixed CaseSouth Orange
Box Count337
SFDU4210
MFDU1851
State ANSI34
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number337935
Unique ZIP Name
SSA State County Code31200
Medicare CBSA Code35084
Medicare CBSA NameNewark, NJ-PA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseEssex

New Jersey Homeowners Insurance News & Information

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    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 […]