Vienna, NJ Home Insurance Quotes!

Are you trying to find affordable homeowners insurance in Vienna, NJ? Although cost analysis and savings is a common factor for Vienna homeowners when it comes to looking for a new homeowners insurance policy, we also strive to help you find dependable coverage for your home and family. It's important to make sure your home insurance policy provides the protection you need for home related damages due to loss, weather, theft or fires. An enhanced coverage doesn't always have to be expensive, that is why we like to work with you to apply all the following home insurance discounts when comparing companies and the cost of each policy. You may realize that there are additional discounts available other than the common smoke detectors, burglar alarm (security), and deadbolts. All of these possible discount items can help you save up to 40% or more on your homeowners insurance policy. Call 855-976-2656 or get quotes online and let our local Vienna home insurance agent help you today!

Vienna Average Homeowners Insurance Premiums

Average home insurance rates for homeowners living in the Vienna area pay around $962 per year. Smaller homes in the area with less risk and replacement cost coverage pay a little less than average, usually around $712 /yr. with discounts applied. For larger homes in this area over 2000 sq. ft in Vienna, you may see higher rates in the $1262 range due to much higher replacement cost and upgraded coverage options.

Interesting Facts About the City of Vienna, New Jersey

There are 192 people that happily call the wonderful city of Vienna home. There are 64 housing units in town, making the average owner occupied household size roughly 3.

The average household income in Vienna is an extremely respectable $123,558. One more great fact about Vienna is the average cost of a house, which is $130,300 so housing is very affordable.

Review Coverage Types in Vienna

Insurance for Vienna homeowners comes in a variety of types. The following types are just a few of the specific home insurance types that are available:

HO-3: The HO-3 homeowners insurance policy is the most common policy being sold and most likely the one you already have or will be getting when you purchase a home. It will cover damage from everything except the perils that are excluded in the policy. Flood and earthquake damage are always excluded on a HO-3 policy.
HO-8: If you are purchasing an older home this is the policy for you. It is specially designed for older home and pays out on an actual cash value which means depreciation is subtracted from the replacement costs. Because the cost of original building materials, and fixing issues such as ancient wiring can be extremely expensive, a standard policy may not be available for older homes.
H0-4: This is more commonly referred to as renter's insurance and offers protection for all of the personal property that you keep in your apartment. A renter's policy also offers liability insurance, which will cover the medical costs if a person is injured in your apartment. Renters insurance is extremely affordable and if you live in an apartment you should absolutely have this coverage.

Compare Homeowners Insurance Rates in Vienna, NJ!

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Average Rates Nearby Vienna

Are you looking for homeowners insurance in a city near Vienna? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Vienna, NJ

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Vienna.

07880,

Vienna, NJ Home Insurance Average Premiums

Local Vienna, NJ home insurance quotes comparison

$712 /yr.

Shows Vienna's lowest average rates with discounts applied.

For the city of Vienna, 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)	$712 /yr.
Average Coverage:	$962 /yr.
2600 sq. ft. or higher (all discounts applied)	$1262 /yr.

What is the average home insurance cost for a home in Vienna, NJ?

• The average homeowners insurance premium paid annually for a home in Vienna is around $962 per year.

What does it cost on average per month for home insurance in Vienna, NJ?

• Homeowners in Vienna pay an average cost per month around $80.00 for insurance coverage.

Vienna, NJ - 2023 Housing Information

Month	Current Home Value (2023)	Last Year Home Value (2022)
January	$0	$0
February	$0	$0
March	$0	$0
April	$0	$0

Homeowners insurance will help cover the cost to repair or replace your Vienna home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Vienna
Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.

Get up to 12 competitive Vienna, NJ homeowners insurance rates all in one place!

Saving Money Tips on Vienna Home Insurance

A great way to save money on Vienna homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Vienna area? Check out what homeowners are paying on average for New Jersey homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation	Details	Homeowners Tips
558 ft.	This is the average home elevation in Vienna, NJ	Did you know that the elevation in which your home resides is crucial to a home insurance policy because it determines the risk factor related to your home being in a flood zone. It is important to understand that your home is not covered for floods under a standard homeowners policy. You will need to speak with a local New Jersey flood insurance agent about a flood insurance policy, please give us a call now at 888-620-1954.

To get online quotes on your home and compare rates on home insurance premiums in Vienna, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Warren County.

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 […]
Update: New Jersey Ordered Insurance Relief Posted on Wednesday 22nd April, 2020
New Jersey residents may see some relief from insurance premiums due to COVID-19 pandemic. Recently, the New Jersey Department of Banking and Insurance ordered insurers to provide financial relief to residents and businesses. The guidance was signed last week by Governor Phil Murphy and extends the grace periods during which insurance companies will not be […]
Mortgage Payment Relief 2020: Tips & Questions Posted on Tuesday 21st April, 2020
Homeowners across the country are suffering as unemployment climbs across all industries, making it difficult for many homeowners to cover all of their bills. The Federal government, as well as some private mortgage companies are offering a bit of help by allowing some homeowners to apply for mortgage relief. While this sounds great, there can […]
New Mortgage Relief for New Jersey Homeowners During Coronavirus Crisis Posted on Wednesday 15th April, 2020
Aerial view of Atlantic City, New Jersey, overlooking Atlantic City Boardwalk and pier. In a recent announcement, New Jersey Gov. Phil Murphy revealed the details of a 90-day grace period for mortgage payments for all New Jersey homeowners that have been financially impacted by the outbreak of the coronavirus. This will allow New Jersey residents […]

Vienna, NJ Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Vienna so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Vienna, NJ?

- The average square footage in Vienna is around 675 Sq. Ft. which would cost you around $130,300 to replace the home if you base the home on the price to build per square foot of $193.

Minimum Replacement Cost Total: $130,300

Location: Vienna, New Jersey (Warren County)

Average Building Cost Per Square Foot in Vienna: $193 (low end)

Average Square Footage in Vienna: 675 Sq. Ft.

Home Improvement Status	Price per Sq. Ft.	Dwelling Coverage
None or Very Minor Improvements	$193	$130,300
Some Additional Upgrades	$241	$162,875
Major Home Updates or Advancements	$290	$195,450

Calculate Your Vienna, NJ Dwelling Coverage

The dwelling coverage is calculated by the average cost per square foot ($193) in Vienna, New Jersey times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $603,125 (Media price to build of $241 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.