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08732, NJ Home Insurance

In the zip code of 08732, the population size is around 1,471, which consists of 662 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in Island Heights, NJ. A few years ago, a study was done and found that the average home insurance rates for New Jersey are around $1,001 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 08732 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in Island Heights. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click Island Heights, NJ Homeowners Insurance Online Rates Today!

08732 Home Insurance Average Premiums

Local 08732 homeowners insurance quotes comparison

$751 /yr.

Shows Zip Code: 08732 lowest rates with discounts applied on average.

For the 08732, 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)		$751 /yr.
Average Coverage:$1001 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1301 /yr.

What is the average home insurance cost for a home in 08732?

  • • The average homeowners insurance premium paid annually for a home in 08732 is around $1001 per year.

What does it cost on average per month for home insurance in 08732?

  • • Homeowners in 08732 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 08732?

  • • Autoowners in 08732 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 Island Heights area, check out other zip codes nearby 08732.
Review average rates in another zip code:
08732 homeowners insurance rates

Home Replacement Cost Coverage in 08732

Average Building Cost Per Square Foot in 08732: $193

Location: Island Heights, New Jersey (Ocean County)

Average Square Footage in 08732: 2,225 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08732 before you start any project. Island Heights 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 08732 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 08732 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,225 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 Island Heights 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$1932,225$429,500
Additional Upgrades & Added Features$2412,225$536,875
Major Home Updates or Advancements$2902,225$644,250

It's important to understand that when you estimate your replacement cost of your home in the 08732 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 08732

Best Home & Auto Insurance Agencies in 08732

Housing Demographics for 08732

Population Review for 08732 Zip Code

For the city of Island Heights, the population within 08732 has increased to over 0 residents in population size. The current population total is 1,471. We have broken down the population based on race below. In 08732, there are over 711 in male population and 760 females.

PopulationValues
Total Population1,471
White Population1342
Black Population5
Hispanic Population43
Asian Population14
Hawaiian Population1
Indian Population3
Other Population15
Male Population711
Female Population760
Population Estimate0

Household Data for 08732

The average number of homes in 08732 is around 662, there are an average of 2.22 per household. The average house value according to local real estate values is around $429,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode662
Persons Per Household2.22
Average House Value$429,500
Income Per Household$100278
Median Age52.5
Median Age Male52.2
Median Age Female52.6
08732 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeZ
City Alias AbbreviationISLAND HGTS
Area Code732/848/908
CityIsland Heights
City Alias NameISLAND HEIGHTS
CountyOcean
County FIPS029
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5190
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_NameMonmouth-Ocean, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses37
Number Of Employees179
Business First Quarter Payroll2282
Business Annual Payroll11701
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 District04
Congressional LandArea691.88
Delivery Residential0
Delivery Business0
Delivery Total1236
Preferred Last Line KeyV10684
Classification CodeP
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV10684
Land Area0.540000
Water Area0.309000
City Alias Code
City Mixed CaseIsland Heights
City Alias Mixed CaseIsland Heights
Box Count840
SFDU0
MFDU0
State ANSI34
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number333840
Unique ZIP Name
SSA State County Code31310
Medicare CBSA Code35154
Medicare CBSA NameNew Brunswick-Lakewood, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseOcean

New Jersey Homeowners Insurance News & Information

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