07860 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 07860 zip code it's important to know that our rates are very competitive for homeowners living in Newton, NJ. Many homeowners based out of your 07860 area 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 New Jersey 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 07860 should appear in the zip code field ready to go. For Newton, NJ Homeowners Insurance Quotes nearby, we offer the best rates and service.

07860: Average Home Insurance Rates

For homeowners living in the great city of Newton, the average homeowners policy is considered high in comparison to other states. New Jersey premiums are estimated to be around $983 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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07860 Home Insurance Average Premiums

Local 07860 homeowners insurance quotes comparison

$733 /yr.

Shows Zip Code: 07860 lowest rates with discounts applied on average.

For the 07860, 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)	$733 /yr.
Average Coverage:	$983 /yr.
2600 sq. ft. or higher (all discounts applied)	$1283 /yr.

What is the average home insurance cost for a home in 07860?

• The average homeowners insurance premium paid annually for a home in 07860 is around $983 per year.

What does it cost on average per month for home insurance in 07860?

• Homeowners in 07860 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 07860?

• Autoowners in 07860 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 Newton area, check out other zip codes nearby 07860.
Review average rates in another zip code:
07860 homeowners insurance rates

Home Replacement Cost Coverage in 07860

Average Building Cost Per Square Foot in 07860: $193

Location: Newton, New Jersey (Sussex County)

Average Square Footage in 07860: 1,456 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07860 before you start any project. Newton 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 07860 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 07860 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,456 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 Newton 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 Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$193	1,456	$281,000
Additional Upgrades & Added Features	$241	1,456	$351,250
Major Home Updates or Advancements	$290	1,456	$421,500

Calculate Your Dwelling Coverage in 07860

It's important to understand that when you estimate your replacement cost of your home in the 07860 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 Home & Auto Insurance Agencies in 07860

Lockwood Brian S

Address: 17 Main St Newton, NJ 07860
Phone:
Website:
Info:

Jones, Glenn A - State Farm Insurance Agent

Address: 31 Newton Sparta Road Newton, NJ 07860
Phone:
Website: http://www.national.citysearch.com/profile/662226110/newton_nj/jones_glenn_a_state_farm_insurance_agent.html
Info:

Middleton & Company

Address: 186 Halsey Rd Newton, NJ 07860
Phone:
Website: http://www.middletonins.com
Info:

Housing Demographics for 07860

Population Review for 07860 Zip Code

For the city of Newton, the population within 07860 has increased to over 25,952 residents in population size. The current population total is 25,704. We have broken down the population based on race below. In 07860, there are over 12523 in male population and 13181 females.

Population	Values
Total Population	25,704
White Population	21688
Black Population	635
Hispanic Population	2377
Asian Population	581
Hawaiian Population	2
Indian Population	66
Other Population	808
Male Population	12523
Female Population	13181
Population Estimate	25952

Household Data for 07860

The average number of homes in 07860 is around 10,063, there are an average of 2.50 per household. The average house value according to local real estate values is around $281,000. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	10,063
Persons Per Household	2.50
Average House Value	$281,000
Income Per Household	$98237
Median Age	46.4
Median Age Male	44.2
Median Age Female	48.1

07860 Details	Values
State	NJ
State Full Name	New Jersey
City Type	P
City Alias Abbreviation
Area Code	973/862
City	Newton
City Alias Name	NEWTON
County	Sussex
County FIPS	037
State FIPS	34
Time Zone	5
Day Light Saving	Y
MSA	5602
PMSA	5640
CSA	408
CBSA	35620
CBSA_DIV	35084
CBSA_Type	Metro
CBSA_Name	New York-Newark-Jersey City, NY-NJ
MSA_Name	New York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_Name	Newark, NJ PMSA
Region	Northeast
Division	Middle Atlantic
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	629
Number Of Employees	7397
Business First Quarter Payroll	80730
Business Annual Payroll	376340
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	18897109
CBSA Division Population	2090358
Congressional District	05\|07
Congressional LandArea	991.3\|970.19
Delivery Residential	10381
Delivery Business	673
Delivery Total	11783
Preferred Last Line Key	V11034
Classification Code
Multi-County
CSA Name	New York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name	Newark, NJ
City State Key	V11034
Land Area	100.175000
Water Area	3.675000
City Alias Code
City Mixed Case	Newton
City Alias Mixed Case	Newton
Box Count	155
SFDU	8682
MFDU	630
State ANSI	34
County ANSI	037
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	335850
Unique ZIP Name
SSA State County Code	31360
Medicare CBSA Code	35084
Medicare CBSA Name	Newark, NJ-PA
Medicare CBSA Type	Metro
Market Rating Area ID	1
County Mixed Case	Sussex

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 […]

Home Insurance Quotes in 07860!