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Home Insurance in 08559

One of the best ways to save money on your homeowners insurance policy in the 08559 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Stockton, NJ. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our New Jersey licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 08559 zip code and you are ready to start saving on home insurance.

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Find Stockton, NJ Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 08559

According to industry data, homeowners located in Stockton pay roughly $1020 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 08559 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of New Jersey home insurance premiums found that premiums in 08559 are 22 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 08559 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 08559.

Let us find you a great policy at an affordable price, get 08559 homeowners insurance quotes now.

08559 Home Insurance Average Premiums

Local 08559 homeowners insurance quotes comparison

$770 /yr.

Shows Zip Code: 08559 lowest rates with discounts applied on average.

For the 08559, 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)
$770 /yr.
Average Coverage:$1020 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1320 /yr.

What is the average home insurance cost for a home in 08559?

  • • The average homeowners insurance premium paid annually for a home in 08559 is around $1020 per year.

What does it cost on average per month for home insurance in 08559?

  • • Homeowners in 08559 pay a monthly average cost per month around $85.00.

What kind of discount could I get if I combine my home and auto insurance together in 08559?

  • • Autoowners in 08559 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 Stockton area, check out other zip codes nearby 08559.
Review average rates in another zip code:
08559 homeowners insurance rates

Home Replacement Cost Coverage in 08559

Average Building Cost Per Square Foot in 08559: $193

Location: Stockton, New Jersey (Hunterdon County)

Average Square Footage in 08559: 2,721 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08559 before you start any project. Stockton 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 08559 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 08559 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,721 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 Stockton 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$1932,721$525,200
Additional Upgrades & Added Features$2412,721$656,500
Major Home Updates or Advancements$2902,721$787,800

It's important to understand that when you estimate your replacement cost of your home in the 08559 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 08559

Best Home & Auto Insurance Agencies in 08559

Housing Demographics for 08559

Population Review for 08559 Zip Code

For the city of Stockton, the population within 08559 has increased to over 4,906 residents in population size. The current population total is 5,009. We have broken down the population based on race below. In 08559, there are over 2520 in male population and 2489 females.

PopulationValues
Total Population5,009
White Population4485
Black Population42
Hispanic Population281
Asian Population71
Hawaiian Population1
Indian Population6
Other Population63
Male Population2520
Female Population2489
Population Estimate4906

Household Data for 08559

The average number of homes in 08559 is around 2,049, there are an average of 2.43 per household. The average house value according to local real estate values is around $525,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,049
Persons Per Household2.43
Average House Value$525,200
Income Per Household$137524
Median Age52.4
Median Age Male52.9
Median Age Female51.9
08559 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code908
CityStockton
City Alias NameSTOCKTON
CountyHunterdon
County FIPS019
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5015
CSA408
CBSA35620
CBSA_DIV35084
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 Businesses93
Number Of Employees349
Business First Quarter Payroll3529
Business Annual Payroll18232
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 Population2090358
Congressional District07
Congressional LandArea970.19
Delivery Residential2019
Delivery Business24
Delivery Total2893
Preferred Last Line KeyV11515
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNewark, NJ
City State KeyV11515
Land Area39.835000
Water Area0.747000
City Alias Code
City Mixed CaseStockton
City Alias Mixed CaseStockton
Box Count118
SFDU2013
MFDU0
State ANSI34
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number338220
Unique ZIP Name
SSA State County Code31250
Medicare CBSA Code35084
Medicare CBSA NameNewark, NJ-PA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseHunterdon

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 […]