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Home Insurance Quotes in 07823

Are you shopping for a cheaper homeowners insurance rate in 07823? Our rates are very competitive for homeowners living in Belvidere, NJ. Many homeowners located in the 07823 zip code 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 online quoting process is free to use and our New Jersey licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. If you are unsure which policy is best for you, then please contact us so we can help you understand what coverage package you need to protect your home in 07823. To get free 07823 home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 07823 zip code should appear in the zip code field ready to go. Shopping Belvidere, NJ Homeowners Insurance Rates is easy, just click, complete your online quoting application for the property address located in 07823 to review the best rate coverages.

Your 07823 Home Insurance Costs Is Rated: High!

For the great city of Belvidere, the average home insurance premium paid annually is around $982 for a standard HO-3 homeowners policy. It's important to know that you may need additional coverage like flood or earthquake insurance to cover your home. Most basic home insurance policies do not provide enough coverage to provide the risk and protection you need. Our New Jersey specific quoting application process is designed to meet the needs of the homeowner and we can provide the most competitive rates with enhanced coverage options. If you live in Belvidere and need insurance on your home in the 07823 zip code, then it is important to use our service and easily discover more affordable homeowners insurance rates.

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07823 Home Insurance Average Premiums

Local 07823 homeowners insurance quotes comparison

$732 /yr.

Shows Zip Code: 07823 lowest rates with discounts applied on average.

For the 07823, 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)
$732 /yr.
Average Coverage:$982 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1282 /yr.

What is the average home insurance cost for a home in 07823?

  • • The average homeowners insurance premium paid annually for a home in 07823 is around $982 per year.

What does it cost on average per month for home insurance in 07823?

  • • Homeowners in 07823 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 07823?

  • • Autoowners in 07823 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 Belvidere area, check out other zip codes nearby 07823.
Review average rates in another zip code:
07823 homeowners insurance rates

Home Replacement Cost Coverage in 07823

Average Building Cost Per Square Foot in 07823: $193

Location: Belvidere, New Jersey (Warren County)

Average Square Footage in 07823: 1,309 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07823 before you start any project. Belvidere 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 07823 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 07823 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,309 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 Belvidere 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$1931,309$252,600
Additional Upgrades & Added Features$2411,309$315,750
Major Home Updates or Advancements$2901,309$378,900

It's important to understand that when you estimate your replacement cost of your home in the 07823 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 07823

Best Home & Auto Insurance Agencies in 07823

Housing Demographics for 07823

Population Review for 07823 Zip Code

For the city of Belvidere, the population within 07823 has increased to over 7,297 residents in population size. The current population total is 7,102. We have broken down the population based on race below. In 07823, there are over 3402 in male population and 3700 females.

PopulationValues
Total Population7,102
White Population6423
Black Population118
Hispanic Population442
Asian Population59
Hawaiian Population0
Indian Population14
Other Population111
Male Population3402
Female Population3700
Population Estimate7297

Household Data for 07823

The average number of homes in 07823 is around 3,257, there are an average of 2.15 per household. The average house value according to local real estate values is around $252,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,257
Persons Per Household2.15
Average House Value$252,600
Income Per Household$68500
Median Age53.0
Median Age Male51.3
Median Age Female54.7
07823 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code908
CityBelvidere
City Alias NameBELVIDERE
CountyWarren
County FIPS041
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5640
CSA106
CBSA10900
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAllentown-Bethlehem-Easton, PA-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 Businesses137
Number Of Employees961
Business First Quarter Payroll10767
Business Annual Payroll52079
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population821173
CBSA Division Population0
Congressional District07
Congressional LandArea970.19
Delivery Residential3394
Delivery Business176
Delivery Total3688
Preferred Last Line KeyV10106
Classification Code
Multi-County
CSA NameAllentown-Bethlehem-East Stroudsburg, PA-NJ
CBSA_DIV_Name
City State KeyV10106
Land Area25.075000
Water Area0.444000
City Alias Code
City Mixed CaseBelvidere
City Alias Mixed CaseBelvidere
Box Count71
SFDU2588
MFDU273
State ANSI34
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number330660
Unique ZIP Name
SSA State County Code31390
Medicare CBSA Code10900
Medicare CBSA NameAllentown-Bethlehem-Easton, PA-NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseWarren

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 […]