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07205 Home Insurance Rates & Premiums

Did you know there are over 22,432 people living within the 07205 zip code area? There are over 7,514 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 07205.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in New Jersey are on the rise. The estimated average premium is around $933 a year for a standard homeowners insurance policy in Hillside. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Hillside, NJ Homeowners Insurance Quotes Online

07205 Home Insurance Average Premiums

Local 07205 homeowners insurance quotes comparison

$683 /yr.

Shows Zip Code: 07205 lowest rates with discounts applied on average.

For the 07205, 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)
$683 /yr.
Average Coverage:$933 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1233 /yr.

What is the average home insurance cost for a home in 07205?

  • • The average homeowners insurance premium paid annually for a home in 07205 is around $933 per year.

What does it cost on average per month for home insurance in 07205?

  • • Homeowners in 07205 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 07205?

  • • Autoowners in 07205 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 Hillside area, check out other zip codes nearby 07205.
Review average rates in another zip code:
07205 homeowners insurance rates

Home Replacement Cost Coverage in 07205

Average Building Cost Per Square Foot in 07205: $193

Location: Hillside, New Jersey (Union County)

Average Square Footage in 07205: 1,555 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07205 before you start any project. Hillside 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 07205 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 07205 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,555 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 Hillside 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$1931,555$300,200
Additional Upgrades & Added Features$2411,555$375,250
Major Home Updates or Advancements$2901,555$450,300

It's important to understand that when you estimate your replacement cost of your home in the 07205 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 07205

Best Home & Auto Insurance Agencies in 07205

Allstate New Jersey Insurance Company - Shelby Mobley

Address: 1127 Liberty Ave Hillside, NJ 07205
Phone:
Website: http://www.allstateagencies.com/SHELBYMOBLEY/Welcome/
Info:

Housing Demographics for 07205

Population Review for 07205 Zip Code

For the city of Hillside, the population within 07205 has increased to over 20,997 residents in population size. The current population total is 22,432. We have broken down the population based on race below. In 07205, there are over 10568 in male population and 11864 females.

PopulationValues
Total Population22,432
White Population4503
Black Population11567
Hispanic Population5173
Asian Population508
Hawaiian Population3
Indian Population71
Other Population3047
Male Population10568
Female Population11864
Population Estimate20997

Household Data for 07205

The average number of homes in 07205 is around 7,514, there are an average of 2.98 per household. The average house value according to local real estate values is around $300,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,514
Persons Per Household2.98
Average House Value$300,200
Income Per Household$82850
Median Age39.5
Median Age Male37.4
Median Age Female41.3
07205 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeB
City Alias Abbreviation
Area Code908
CityHillside
City Alias NameHILLSIDE
CountyUnion
County FIPS039
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 Businesses489
Number Of Employees6773
Business First Quarter Payroll86069
Business Annual Payroll386539
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 District08|10
Congressional LandArea54.69|75.92
Delivery Residential7046
Delivery Business631
Delivery Total8567
Preferred Last Line KeyV10649
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNewark, NJ
City State KeyV10649
Land Area2.766000
Water Area0.015000
City Alias Code
City Mixed CaseHillside
City Alias Mixed CaseHillside
Box Count310
SFDU6326
MFDU487
State ANSI34
County ANSI039
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number332370
Unique ZIP Name
SSA State County Code31370
Medicare CBSA Code35084
Medicare CBSA NameNewark, NJ-PA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseUnion

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 […]