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Home Insurance in 07863

Our rates are very competitive for homeowners living in the 07863 zip code. Many homeowners based out of Oxford, 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 07863 should appear in the zip code field ready to go.

07863 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Oxford area? The average homeowners premium in 07863 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 07863, you can expect to pay around $984 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 07863 Today!

Get Home Insurance Quotes in 07863

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 07863 home insurance shopping today!

  1. Oxford, NJ Home Insurance Quotes

07863 Home Insurance Average Premiums

Local 07863 homeowners insurance quotes comparison

$734 /yr.

Shows Zip Code: 07863 lowest rates with discounts applied on average.

For the 07863, 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)		$734 /yr.
Average Coverage:$984 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1284 /yr.

What is the average home insurance cost for a home in 07863?

  • • The average homeowners insurance premium paid annually for a home in 07863 is around $984 per year.

What does it cost on average per month for home insurance in 07863?

  • • Homeowners in 07863 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 07863?

  • • Autoowners in 07863 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 Oxford area, check out other zip codes nearby 07863.
Review average rates in another zip code:
07863 homeowners insurance rates

Home Replacement Cost Coverage in 07863

Average Building Cost Per Square Foot in 07863: $193

Location: Oxford, New Jersey (Warren County)

Average Square Footage in 07863: 1,192 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07863 before you start any project. Oxford 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 07863 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 07863 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,192 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 Oxford 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$1931,192$230,100
Additional Upgrades & Added Features$2411,192$287,625
Major Home Updates or Advancements$2901,192$345,150

It's important to understand that when you estimate your replacement cost of your home in the 07863 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 07863

Best Home & Auto Insurance Agencies in 07863

Housing Demographics for 07863

Population Review for 07863 Zip Code

For the city of Oxford, the population within 07863 has increased to over 4,215 residents in population size. The current population total is 4,017. We have broken down the population based on race below. In 07863, there are over 1983 in male population and 2034 females.

PopulationValues
Total Population4,017
White Population3474
Black Population74
Hispanic Population289
Asian Population72
Hawaiian Population0
Indian Population2
Other Population67
Male Population1983
Female Population2034
Population Estimate4215

Household Data for 07863

The average number of homes in 07863 is around 1,504, there are an average of 2.58 per household. The average house value according to local real estate values is around $230,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,504
Persons Per Household2.58
Average House Value$230,100
Income Per Household$81375
Median Age46.5
Median Age Male43.8
Median Age Female48.8
07863 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code908
CityOxford
City Alias NameOXFORD
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 Businesses52
Number Of Employees297
Business First Quarter Payroll4337
Business Annual Payroll19341
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 Residential1634
Delivery Business48
Delivery Total2863
Preferred Last Line KeyV11130
Classification Code
Multi-County
CSA NameAllentown-Bethlehem-East Stroudsburg, PA-NJ
CBSA_DIV_Name
City State KeyV11130
Land Area19.899000
Water Area0.171000
City Alias Code
City Mixed CaseOxford
City Alias Mixed CaseOxford
Box Count97
SFDU1378
MFDU0
State ANSI34
County ANSI041
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number336255
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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