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07832 Home Insurance Rates & Premiums

Did you know there are over 3,800 people living within the 07832 zip code area? There are over 1,417 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 07832.

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 $923 a year for a standard homeowners insurance policy in Columbia. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Columbia, NJ Homeowners Insurance Quotes Online

07832 Home Insurance Average Premiums

Local 07832 homeowners insurance quotes comparison

$673 /yr.

Shows Zip Code: 07832 lowest rates with discounts applied on average.

For the 07832, 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)		$673 /yr.
Average Coverage:$923 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1223 /yr.

What is the average home insurance cost for a home in 07832?

  • • The average homeowners insurance premium paid annually for a home in 07832 is around $923 per year.

What does it cost on average per month for home insurance in 07832?

  • • Homeowners in 07832 pay a monthly average cost per month around $77.00.

What kind of discount could I get if I combine my home and auto insurance together in 07832?

  • • Autoowners in 07832 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 Columbia area, check out other zip codes nearby 07832.
Review average rates in another zip code:
07832 homeowners insurance rates

Home Replacement Cost Coverage in 07832

Average Building Cost Per Square Foot in 07832: $193

Location: Columbia, New Jersey (Warren County)

Average Square Footage in 07832: 1,539 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07832 before you start any project. Columbia 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 07832 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 07832 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,539 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 Columbia 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$1931,539$297,000
Additional Upgrades & Added Features$2411,539$371,250
Major Home Updates or Advancements$2901,539$445,500

It's important to understand that when you estimate your replacement cost of your home in the 07832 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 07832

Best Home & Auto Insurance Agencies in 07832

Housing Demographics for 07832

Population Review for 07832 Zip Code

For the city of Columbia, the population within 07832 has increased to over 3,765 residents in population size. The current population total is 3,800. We have broken down the population based on race below. In 07832, there are over 1926 in male population and 1874 females.

PopulationValues
Total Population3,800
White Population3298
Black Population35
Hispanic Population256
Asian Population48
Hawaiian Population3
Indian Population6
Other Population68
Male Population1926
Female Population1874
Population Estimate3765

Household Data for 07832

The average number of homes in 07832 is around 1,417, there are an average of 2.65 per household. The average house value according to local real estate values is around $297,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,417
Persons Per Household2.65
Average House Value$297,000
Income Per Household$104205
Median Age48.5
Median Age Male46.8
Median Age Female50.0
07832 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code908
CityColumbia
City Alias NameCOLUMBIA
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 Businesses70
Number Of Employees590
Business First Quarter Payroll6511
Business Annual Payroll27931
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 Residential1421
Delivery Business45
Delivery Total1591
Preferred Last Line KeyV10292
Classification Code
Multi-County
CSA NameAllentown-Bethlehem-East Stroudsburg, PA-NJ
CBSA_DIV_Name
City State KeyV10292
Land Area42.054000
Water Area1.486000
City Alias Code
City Mixed CaseColumbia
City Alias Mixed CaseColumbia
Box Count106
SFDU1421
MFDU0
State ANSI34
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number331785
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

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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 […]