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07310 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 07310 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Jersey City, NJ quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 07310.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 07310 and start shopping.

Quickly and Easily Compare Average Rates for 07310

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Jersey City, NJ home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 07310

Homeowners in Jersey City are paying roughly $851 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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07310 Home Insurance Average Premiums

Local 07310 homeowners insurance quotes comparison

$601 /yr.

Shows Zip Code: 07310 lowest rates with discounts applied on average.

For the 07310, 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)		$601 /yr.
Average Coverage:$851 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1151 /yr.

What is the average home insurance cost for a home in 07310?

  • • The average homeowners insurance premium paid annually for a home in 07310 is around $851 per year.

What does it cost on average per month for home insurance in 07310?

  • • Homeowners in 07310 pay a monthly average cost per month around $71.00.

What kind of discount could I get if I combine my home and auto insurance together in 07310?

  • • Autoowners in 07310 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 Jersey City area, check out other zip codes nearby 07310.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 07310

Average Building Cost Per Square Foot in 07310: $193

Location: Jersey City, New Jersey (Hudson County)

Average Square Footage in 07310: 3,784 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 07310 before you start any project. Jersey City 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 07310 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 07310 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,784 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 Jersey City 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$1933,784$730,300
Additional Upgrades & Added Features$2413,784$912,875
Major Home Updates or Advancements$2903,784$1,095,450

It's important to understand that when you estimate your replacement cost of your home in the 07310 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 07310

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Housing Demographics for 07310

Population Review for 07310 Zip Code

For the city of Jersey City, the population within 07310 has increased to over 21,645 residents in population size. The current population total is 17,536. We have broken down the population based on race below. In 07310, there are over 8959 in male population and 8577 females.

PopulationValues
Total Population17,536
White Population4667
Black Population792
Hispanic Population1097
Asian Population10702
Hawaiian Population7
Indian Population28
Other Population498
Male Population8959
Female Population8577
Population Estimate21645

Household Data for 07310

The average number of homes in 07310 is around 8,201, there are an average of 2.12 per household. The average house value according to local real estate values is around $730,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,201
Persons Per Household2.12
Average House Value$730,300
Income Per Household$163405
Median Age30.3
Median Age Male30.6
Median Age Female30.0
07310 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code201/551/862/973/908
CityJersey City
City Alias NameJERSEY CITY
CountyHudson
County FIPS017
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA3640
CSA408
CBSA35620
CBSA_DIV35614
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameJersey City, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses530
Number Of Employees25656
Business First Quarter Payroll1419598
Business Annual Payroll3999051
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population18897109
CBSA Division Population11576251
Congressional District08
Congressional LandArea54.69
Delivery Residential10210
Delivery Business419
Delivery Total10629
Preferred Last Line KeyV10698
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNew York-Jersey City-White Plains, NY-NJ
City State KeyV10698
Land Area0.611000
Water Area0.381000
City Alias Code
City Mixed CaseJersey City
City Alias Mixed CaseJersey City
Box Count0
SFDU33
MFDU9153
State ANSI34
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number333870
Unique ZIP Name
SSA State County Code31230
Medicare CBSA Code35614
Medicare CBSA NameNew York-Jersey City-White Plains, NY-NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseHudson

New Jersey Homeowners Insurance News & Information

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  • 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 […]