Elizabeth, NJ Home Insurance


Elizabeth, NJ Home Insurance

Homeownership in urban hubs like Elizabeth, New Jersey, brings pride and responsibility. In these bustling locales, safeguarding your home is not just a choice but a necessity. Considering the unique challenges posed by city living, the importance of a robust home insurance policy cannot be overstated.

Average Home Insurance Cost

Understanding the cost of homeowners insurance in Elizabeth, NJ, is vital for residents safeguarding their homes. The average annual fee, ranging from approximately $946 to $965, is gleaned from reliable sources, factoring in variables like coverage amount, deductible, credit history, and the chosen insurance provider.

Average Home Insurance Costs for Different Coverage Limits:

No.Coverage DetailsAverage Annual Cost
These figures, though illustrative, emphasize the need for personalized quotes to account for individual circumstances and specific dwelling coverage. Residents can tailor their insurance coverage accurately by obtaining quotes directly from insurance providers, ensuring alignment with unique needs and financial considerations.

Zip Codes Covered in Elizabeth, NJ

Exploring Elizabeth, NJ, reveals a diverse cityscape organized into six distinctive ZIP codes. These ZIP codes, essential for navigating the city, showcase variations in population and unique characteristics:

  • 07114
  • 07201
  • 07202
  • 07206
  • 07207
  • 07208

These ZIP codes not only facilitate efficient mail delivery but also provide valuable insights into the population distribution and local nuances of each area within Elizabeth. Residents can use this information to navigate the city effectively and understand the unique characteristics of different neighborhoods.

About Elizabeth, NJ

Elizabeth, New Jersey, epitomizes dynamic urban living within Union County, positioned as both a cultural melting pot and a vital regional hub. Nestled in one of the nation's largest metropolitan areas, the city's rich history traces back to the United States' founding. 

  • Total Population: 132,570 in 2023
  • Median Property Value: $314,500
  • Median Household Income: $59,939
  • Median Age: 34.9

Strategically located, Elizabeth is easily accessible by land, sea, rail, and air, playing a pivotal role as a transportation hub, complemented by the proximity to Newark Liberty International Airport. The city takes pride in its historical roots, serving as a foundation for ongoing growth, development, and an exciting future as an East Coast cultural, economic, and transportation hub.

Major Neighborhoods in Elizabeth, NJ

Elizabeth, NJ, boasts a rich tapestry of major neighborhoods, each contributing to the city's vibrant character and offering diverse living experiences:

  • Midtown/Uptown:
    Situated as the main commercial district and historic heart of the city, Midtown/Uptown is a bustling area that blends commerce with Elizabeth's storied past.
  • Bayway:
    Nestled in the southern part and bordered by the Elizabeth River, Bayway is characterized by its strong Polish roots, ethnic restaurants, and affordable housing options, primarily two to four-family units.
  • Downtown/Elizabethport:
    As the oldest and most diverse location in Elizabeth, Downtown/Elizabethport features a unique juxtaposition of old-world Elizabethan houses alongside modern American colonial-style residences.
  • The Point:
    Formerly known as the Crossroads, The Point is experiencing a transformation, with a focus on developing more two-family homes. Its proximity to Midtown adds to its appeal
  • Quality Hill:
    Once the pinnacle of fashion in Elizabeth, Quality Hill has evolved into a tranquil residential area with the emergence of new condominiums.
  • Westminster:
    For nature enthusiasts, Westminster stands out, home to Phil Rizzuto Park and offering easy access to the Elizabeth River boardwalk.

These neighborhoods showcase a broad spectrum of housing options and amenities, catering to diverse preferences and lifestyles. Elizabeth, NJ, emerges as an attractive and desirable place to live, offering its residents a dynamic and multifaceted residential experience.

Elizabeth, NJ Emergency Services Contact Information

In Elizabeth, NJ, vital emergency and government services are easily accessible to ensure the safety of residents. Dial 9-1-1 for immediate assistance.

Police Department

Fire Department

For a detailed list of departments and services, visit their website. Remember to dial 9-1-1 in case of an emergency. Elizabeth's commitment to resident safety is evident through these accessible and responsive services.


In the urban landscape of Elizabeth, NJ, safeguarding your home through a well-tailored insurance policy is a negotiable aspect of responsible homeownership. Understanding the intricacies of ZIP codes and major areas provides residents with a comprehensive view of their community. The average home insurance cost analysis underscores the city's economic landscape.

Furthermore, the significant neighborhoods showcase a range of living options, making Elizabeth an appealing place for diverse lifestyles. The city's commitment to safety is evident through accessible emergency services. Ultimately, personalized research and consultation with insurance experts ensure residents find tailored solutions, enhancing the overall experience of living in this vibrant and evolving city.


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