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08817 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 08817? There are over 16,719 occupied homes in the 08817 area. With a population size of 48,243, it's not uncommon for residence of Edison, NJ to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in New Jersey is around $937 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 08817 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Edison, NJ Home Insurance Rate Quotes

08817 Home Insurance Average Premiums

Local 08817 homeowners insurance quotes comparison

$687 /yr.

Shows Zip Code: 08817 lowest rates with discounts applied on average.

For the 08817, 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)		$687 /yr.
Average Coverage:$937 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1237 /yr.

What is the average home insurance cost for a home in 08817?

  • • The average homeowners insurance premium paid annually for a home in 08817 is around $937 per year.

What does it cost on average per month for home insurance in 08817?

  • • Homeowners in 08817 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 08817?

  • • Autoowners in 08817 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 Edison area, check out other zip codes nearby 08817.
Review average rates in another zip code:
08817 homeowners insurance rates
08837 homeowners insurance rates
08820 homeowners insurance rates

Home Replacement Cost Coverage in 08817

Average Building Cost Per Square Foot in 08817: $193

Location: Edison, New Jersey (Middlesex County)

Average Square Footage in 08817: 1,784 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08817 before you start any project. Edison 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 08817 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 08817 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,784 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 Edison 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$1931,784$344,400
Additional Upgrades & Added Features$2411,784$430,500
Major Home Updates or Advancements$2901,784$516,600

It's important to understand that when you estimate your replacement cost of your home in the 08817 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 08817

Allstate Insurance - Amy Sun

Address: 1967 Route 27 Suite 28 Edison, NJ 08817
Phone: (732)287-0767
Website:

Allstate Insurance - Zhiya 'Amy' Sun

Address: 1961 Route 27 2nd Fl Edison, NJ 08817
Phone: (732)287-0767
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=16031

Best Home & Auto Insurance Agencies in 08817

Stern & Dragoset Association

Address: 2 Ethel Rd, Ste 202b Edison, NJ 08817
Phone:
Website: http://www.sterndragoset.com/
Info:

Harish R Ruparel- CLU

Address: Post Office Box 476 Edison, NJ 08817
Phone:
Website:
Info:

Allstate Insurance - Zhiya 'Amy' Sun

Address: 1961 RT-27, Fl 2nd Edison, NJ 08817
Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=16031
Info:

Allstate New Jersey Insurance Company - Amy Sun

Address: 1967 RT-27 Edison, NJ 08817
Phone:
Website: http://www.allstateagencies.com/045319?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 08817

Population Review for 08817 Zip Code

For the city of Edison, the population within 08817 has increased to over 49,755 residents in population size. The current population total is 48,243. We have broken down the population based on race below. In 08817, there are over 24015 in male population and 24228 females.

PopulationValues
Total Population48,243
White Population15853
Black Population4453
Hispanic Population6639
Asian Population21203
Hawaiian Population27
Indian Population192
Other Population3258
Male Population24015
Female Population24228
Population Estimate49755

Household Data for 08817

The average number of homes in 08817 is around 16,719, there are an average of 2.86 per household. The average house value according to local real estate values is around $344,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode16,719
Persons Per Household2.86
Average House Value$344,400
Income Per Household$98184
Median Age36.7
Median Age Male36.4
Median Age Female36.9
08817 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code732/908/848
CityEdison
City Alias NameEDISON
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 Businesses1419
Number Of Employees31285
Business First Quarter Payroll482307
Business Annual Payroll2080284
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 District06
Congressional LandArea215.55
Delivery Residential17397
Delivery Business1356
Delivery Total22913
Preferred Last Line KeyV10401
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV10401
Land Area10.615000
Water Area0.175000
City Alias Code
City Mixed CaseEdison
City Alias Mixed CaseEdison
Box Count0
SFDU9925
MFDU1658
State ANSI34
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number332347
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 […]