Compare quotes for your home in 08816! Compare the best 12 carriers in minutes.
08816 Home Insurance Rates & Premiums
Did you know there are over 48,729 people living within the 08816 zip code area? There are over 16,954 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:
- We will shop up to 12 home insurance companies for free.
- We will apply all discounts and credits to help you save up to 40% or more.
- We will answer any questions that you may.
- We will review the best policy and coverage option in 08816.
Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.
Average homeowners insurance premiums in New Jersey are on the rise. The estimated average premium is around $963 a year for a standard homeowners insurance policy in East Brunswick. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.
08816 Home Insurance Average Premiums
$713 /yr.
Shows Zip Code: 08816 lowest rates with discounts applied on average.
For the 08816, 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) | $713 /yr. |
| Average Coverage: | $963 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1263 /yr. |
What is the average home insurance cost for a home in 08816?
- • The average homeowners insurance premium paid annually for a home in 08816 is around $963 per year.
What does it cost on average per month for home insurance in 08816?
- • Homeowners in 08816 pay a monthly average cost per month around $80.00.
What kind of discount could I get if I combine my home and auto insurance together in 08816?
- • Autoowners in 08816 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 East Brunswick area, check out other zip codes nearby 08816.
Review average rates in another zip code:
08816 homeowners insurance rates
Home Replacement Cost Coverage in 08816
Average Building Cost Per Square Foot in 08816: $193
Location: East Brunswick, New Jersey (Middlesex County)Average Square Footage in 08816: 2,141 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 08816 before you start any project. East Brunswick 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 08816 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 08816 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,141 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 East Brunswick 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $193 | 2,141 | $413,200 |
| Additional Upgrades & Added Features | $241 | 2,141 | $516,500 |
| Major Home Updates or Advancements | $290 | 2,141 | $619,800 |
It's important to understand that when you estimate your replacement cost of your home in the 08816 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 08816
Allstate Insurance - Foster A Burke
Address: 385-B Rt 18 E Brunswick, NJ 08816Phone: (732)257-1122
Website:
Best Home & Auto Insurance Agencies in 08816
Kadela- Kristine - State Farm Insurance Agent
Address: 241 Old Bridge Tpke East Brunswick, NJ 08816Phone:
Website:
Info:
RARITAN AGENCY INC - Progressive Insurance
Address: 754 RT-18, Ste 101 East Brunswick, NJ 08816Phone:
Website: http://www.national.citysearch.com/profile/external/47492368/east_brunswick_nj/raritan_agency_inc_progressive_insurance.html
Info:
Escobar, Alex - State Farm Insurance Agent
Address: 740 RT-18 East Brunswick, NJ 08816Phone:
Website: http://www.citysearch.com/profile/external/605153692/east_brunswick_nj/escobar_alex_state_farm_insurance_agent.html
Info:
KSW Cycle
Address: 38 Wellington Rd East Brunswick, NJ 08816Phone:
Website: http://www.kswcycle.com
Info:
Allstate Insurance - Foster A Burke
Address: 385 RT-18 East Brunswick, NJ 08816Phone:
Website:
Info:
Housing Demographics for 08816
Population Review for 08816 Zip Code
For the city of East Brunswick, the population within 08816 has increased to over 50,015 residents in population size. The current population total is 48,729. We have broken down the population based on race below. In 08816, there are over 23683 in male population and 25046 females.
| Population | Values |
|---|---|
| Total Population | 48,729 |
| White Population | 27350 |
| Black Population | 2266 |
| Hispanic Population | 4653 |
| Asian Population | 13860 |
| Hawaiian Population | 16 |
| Indian Population | 115 |
| Other Population | 1749 |
| Male Population | 23683 |
| Female Population | 25046 |
| Population Estimate | 50015 |
Household Data for 08816
The average number of homes in 08816 is around 16,954, there are an average of 2.86 per household. The average house value according to local real estate values is around $413,200. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 16,954 |
| Persons Per Household | 2.86 |
| Average House Value | $413,200 |
| Income Per Household | $127717 |
| Median Age | 42.4 |
| Median Age Male | 41.3 |
| Median Age Female | 43.3 |
| 08816 Details | Values |
|---|---|
| State | NJ |
| State Full Name | New Jersey |
| City Type | P |
| City Alias Abbreviation | E BRUNSWICK |
| Area Code | 732 |
| City | East Brunswick |
| City Alias Name | EAST BRUNSWICK |
| County | Middlesex |
| County FIPS | 023 |
| State FIPS | 34 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 5602 |
| PMSA | 5015 |
| CSA | 408 |
| CBSA | 35620 |
| CBSA_DIV | 29484 |
| CBSA_Type | Metro |
| CBSA_Name | New York-Newark-Jersey City, NY-NJ |
| MSA_Name | New York-Northern New Jersey-Long Island, NY-NJ-CT-PA |
| PMSA_Name | Middlesex-Somerset-Hunterdon, NJ PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 1614 |
| Number Of Employees | 22631 |
| Business First Quarter Payroll | 297998 |
| Business Annual Payroll | 1340067 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 18897109 |
| CBSA Division Population | 2340249 |
| Congressional District | 12 |
| Congressional LandArea | 412.23 |
| Delivery Residential | 17488 |
| Delivery Business | 1489 |
| Delivery Total | 20155 |
| Preferred Last Line Key | V10374 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | Lakewood-New Brunswick, NJ |
| City State Key | V10374 |
| Land Area | 20.235000 |
| Water Area | 0.467000 |
| City Alias Code | |
| City Mixed Case | East Brunswick |
| City Alias Mixed Case | East Brunswick |
| Box Count | 257 |
| SFDU | 12171 |
| MFDU | 962 |
| State ANSI | 34 |
| County ANSI | 023 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 332255 |
| Unique ZIP Name | |
| SSA State County Code | 31270 |
| Medicare CBSA Code | 35154 |
| Medicare CBSA Name | New Brunswick-Lakewood, NJ |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Middlesex |
New Jersey Homeowners Insurance News & Information
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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, […]
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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 […]