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Homeowners Insurance in 08512

Getting the most affordable home insurance rates in 08512 just got easier for Cranbury, NJ home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Cranbury. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Cranbury, NJ Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 08512

When discussing New Jersey homeowners insurance rates, Cranbury residents are finding new ways to save time and money by discovering lower rates when they shop online. New Jersey may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 22. Residents that live within the 08512 zipcode are currently paying $988 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Cranbury does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

08512 Home Insurance Average Premiums

Local 08512 homeowners insurance quotes comparison

$738 /yr.

Shows Zip Code: 08512 lowest rates with discounts applied on average.

For the 08512, 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)
$738 /yr.
Average Coverage:$988 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1288 /yr.

What is the average home insurance cost for a home in 08512?

  • • The average homeowners insurance premium paid annually for a home in 08512 is around $988 per year.

What does it cost on average per month for home insurance in 08512?

  • • Homeowners in 08512 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 08512?

  • • Autoowners in 08512 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 Cranbury area, check out other zip codes nearby 08512.
Review average rates in another zip code:
08512 homeowners insurance rates

Home Replacement Cost Coverage in 08512

Average Building Cost Per Square Foot in 08512: $193

Location: Cranbury, New Jersey (Middlesex County)

Average Square Footage in 08512: 2,634 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08512 before you start any project. Cranbury 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 08512 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 08512 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,634 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 Cranbury 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$1932,634$508,300
Additional Upgrades & Added Features$2412,634$635,375
Major Home Updates or Advancements$2902,634$762,450

It's important to understand that when you estimate your replacement cost of your home in the 08512 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 08512

Best Home & Auto Insurance Agencies in 08512

Duran- Carlos J - State Farm Insurance Agent

Address: 379 Princeton Hightstown Rd Cranbury, NJ 08512
Phone:
Website:
Info:

Housing Demographics for 08512

Population Review for 08512 Zip Code

For the city of Cranbury, the population within 08512 has increased to over 12,823 residents in population size. The current population total is 12,897. We have broken down the population based on race below. In 08512, there are over 6161 in male population and 6736 females.

PopulationValues
Total Population12,897
White Population5732
Black Population982
Hispanic Population2179
Asian Population3883
Hawaiian Population11
Indian Population38
Other Population1259
Male Population6161
Female Population6736
Population Estimate12823

Household Data for 08512

The average number of homes in 08512 is around 4,828, there are an average of 2.65 per household. The average house value according to local real estate values is around $508,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,828
Persons Per Household2.65
Average House Value$508,300
Income Per Household$120898
Median Age42.5
Median Age Male41.5
Median Age Female43.7
08512 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code609/640
CityCranbury
City Alias NameCRANBURY
CountyMiddlesex
County FIPS023
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5015
CSA408
CBSA35620
CBSA_DIV29484
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameMiddlesex-Somerset-Hunterdon, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses502
Number Of Employees17259
Business First Quarter Payroll365913
Business Annual Payroll1393708
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 Population2340249
Congressional District03|12
Congressional LandArea899.7|412.23
Delivery Residential4839
Delivery Business479
Delivery Total5489
Preferred Last Line KeyV10301
Classification Code
Multi-CountyY
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV10301
Land Area22.805000
Water Area0.267000
City Alias Code
City Mixed CaseCranbury
City Alias Mixed CaseCranbury
Box Count74
SFDU2904
MFDU318
State ANSI34
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number331890
Unique ZIP Name
SSA State County Code31270
Medicare CBSA Code35154
Medicare CBSA NameNew Brunswick-Lakewood, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseMiddlesex

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 […]