Get multiple home insurance quotes in 07721. Our licensed 07721, NJ agents are ready to serve you.

Home Insurance in 07721

Our rates are very competitive for homeowners living in the 07721 zip code. Many homeowners based out of Cliffwood, NJ have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our NJ licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 07721 should appear in the zip code field ready to go.

07721 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Cliffwood area? The average homeowners premium in 07721 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 07721, you can expect to pay around $1003 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

Get Home Insurance Coverage in 07721 Today!

Get Home Insurance Quotes in 07721

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of New Jersey. Start your 07721 home insurance shopping today!

  1. Cliffwood, NJ Home Insurance Quotes

07721 Home Insurance Average Premiums

Local 07721 homeowners insurance quotes comparison

$753 /yr.

Shows Zip Code: 07721 lowest rates with discounts applied on average.

For the 07721, 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)
$753 /yr.
Average Coverage:$1003 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1303 /yr.

What is the average home insurance cost for a home in 07721?

  • • The average homeowners insurance premium paid annually for a home in 07721 is around $1003 per year.

What does it cost on average per month for home insurance in 07721?

  • • Homeowners in 07721 pay a monthly average cost per month around $84.00.

What kind of discount could I get if I combine my home and auto insurance together in 07721?

  • • Autoowners in 07721 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 Cliffwood area, check out other zip codes nearby 07721.
Review average rates in another zip code:
07721 homeowners insurance rates

Home Replacement Cost Coverage in 07721

Average Building Cost Per Square Foot in 07721: $193

Location: Cliffwood, New Jersey (Monmouth County)

Average Square Footage in 07721: 1,487 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07721 before you start any project. Cliffwood 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 07721 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 07721 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,487 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 Cliffwood 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$1931,487$286,900
Additional Upgrades & Added Features$2411,487$358,625
Major Home Updates or Advancements$2901,487$430,350

It's important to understand that when you estimate your replacement cost of your home in the 07721 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 07721

Best Home & Auto Insurance Agencies in 07721

Housing Demographics for 07721

Population Review for 07721 Zip Code

For the city of Cliffwood, the population within 07721 has increased to over 3,768 residents in population size. The current population total is 3,894. We have broken down the population based on race below. In 07721, there are over 1861 in male population and 2033 females.

PopulationValues
Total Population3,894
White Population1744
Black Population1085
Hispanic Population618
Asian Population394
Hawaiian Population2
Indian Population25
Other Population216
Male Population1861
Female Population2033
Population Estimate3768

Household Data for 07721

The average number of homes in 07721 is around 1,472, there are an average of 2.63 per household. The average house value according to local real estate values is around $286,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,472
Persons Per Household2.63
Average House Value$286,900
Income Per Household$107009
Median Age35.4
Median Age Male34.6
Median Age Female36.2
07721 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code732/848
CityCliffwood
City Alias NameCLIFFWOOD
CountyMonmouth
County FIPS025
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5190
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_NameMonmouth-Ocean, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses65
Number Of Employees564
Business First Quarter Payroll6942
Business Annual Payroll33973
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 Residential1433
Delivery Business63
Delivery Total1813
Preferred Last Line KeyV10268
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV10268
Land Area0.912000
Water Area0.003000
City Alias Code
City Mixed CaseCliffwood
City Alias Mixed CaseCliffwood
Box Count58
SFDU969
MFDU0
State ANSI34
County ANSI025
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number331650
Unique ZIP Name
SSA State County Code31290
Medicare CBSA Code35154
Medicare CBSA NameNew Brunswick-Lakewood, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseMonmouth

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 […]