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If you live in the 07311 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Jersey City have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our NJ licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 07311 and then compare quotes from a variety of nationwide insurance companies.

07311 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 07311 the average premium for homeowners coverage is $962 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 07311. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 07311 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Jersey City, NJ home insurance quotes in your area.

07311 Home Insurance Average Premiums

Local 07311 homeowners insurance quotes comparison

$712 /yr.

Shows Zip Code: 07311 lowest rates with discounts applied on average.

For the 07311, 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)		$712 /yr.
Average Coverage:$962 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1262 /yr.

What is the average home insurance cost for a home in 07311?

  • • The average homeowners insurance premium paid annually for a home in 07311 is around $962 per year.

What does it cost on average per month for home insurance in 07311?

  • • Homeowners in 07311 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 07311?

  • • Autoowners in 07311 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 Jersey City area, check out other zip codes nearby 07311.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 07311

Average Building Cost Per Square Foot in 07311: $193

Location: Jersey City, New Jersey (Hudson County)

Average Square Footage in 07311: 855 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07311 before you start any project. Jersey City 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 07311 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 07311 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 855 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 Jersey City 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$193855$165,000
Additional Upgrades & Added Features$241855$206,250
Major Home Updates or Advancements$290855$247,500

It's important to understand that when you estimate your replacement cost of your home in the 07311 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 07311

Best Home & Auto Insurance Agencies in 07311

Housing Demographics for 07311

Population Review for 07311 Zip Code

For the city of Jersey City, the population within 07311 has increased to over 1,819 residents in population size. The current population total is 1,604. We have broken down the population based on race below. In 07311, there are over 877 in male population and 727 females.

PopulationValues
Total Population1,604
White Population708
Black Population49
Hispanic Population88
Asian Population705
Hawaiian Population0
Indian Population1
Other Population41
Male Population877
Female Population727
Population Estimate1819

Household Data for 07311

The average number of homes in 07311 is around 965, there are an average of 1.66 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode965
Persons Per Household1.66
Average House Value$165,000
Income Per Household$163967
Median Age31.7
Median Age Male31.9
Median Age Female31.2
07311 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code201/551/862/973/908
CityJersey City
City Alias NameJERSEY CITY
CountyHudson
County FIPS017
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA3640
CSA408
CBSA35620
CBSA_DIV35614
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameJersey City, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses151
Number Of Employees8819
Business First Quarter Payroll384988
Business Annual Payroll1322635
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 Population11576251
Congressional District08
Congressional LandArea54.69
Delivery Residential1096
Delivery Business135
Delivery Total2255
Preferred Last Line KeyV10698
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNew York-Jersey City-White Plains, NY-NJ
City State KeyV10698
Land Area0.054000
Water Area0.142000
City Alias Code
City Mixed CaseJersey City
City Alias Mixed CaseJersey City
Box Count0
SFDU0
MFDU1096
State ANSI34
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number333870
Unique ZIP Name
SSA State County Code31230
Medicare CBSA Code35614
Medicare CBSA NameNew York-Jersey City-White Plains, NY-NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseHudson

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 […]