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08857 Home Insurance Quotes & Rates
Currently, the 15,187 homes within the 08857 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for New Jersey is around $1,023 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Old Bridge, NJ, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 08857.
New Jersey is now ranking #22 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Old Bridge home insurance quotes all in one place then GetHomeInsuranceQuotes.com of New Jersey has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 08857 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Old Bridge, New Jersey home insurance rates today!
Please give us a call now at 1-855-976-2656, easily get up to 12 rates over the phone in minutes. For Old Bridge, NJ Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!
08857 Home Insurance Average Premiums
$773 /yr.
Shows Zip Code: 08857 lowest rates with discounts applied on average.
For the 08857, 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) | $773 /yr. |
| Average Coverage: | $1023 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1323 /yr. |
What is the average home insurance cost for a home in 08857?
- • The average homeowners insurance premium paid annually for a home in 08857 is around $1023 per year.
What does it cost on average per month for home insurance in 08857?
- • Homeowners in 08857 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 08857?
- • Autoowners in 08857 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 Old Bridge area, check out other zip codes nearby 08857.
Review average rates in another zip code:
08857 homeowners insurance rates
Home Replacement Cost Coverage in 08857
Average Building Cost Per Square Foot in 08857: $193
Location: Old Bridge, New Jersey (Middlesex County)Average Square Footage in 08857: 1,949 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 08857 before you start any project. Old Bridge 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 08857 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 08857 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,949 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 Old Bridge 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 | 1,949 | $376,100 |
| Additional Upgrades & Added Features | $241 | 1,949 | $470,125 |
| Major Home Updates or Advancements | $290 | 1,949 | $564,150 |
It's important to understand that when you estimate your replacement cost of your home in the 08857 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 08857
Daven Agency Inc/Jta
Address: 2698 County Road 516 Old Bridge, NJ 08857Phone: (908)679-0060
Website:
Allstate Insurance - Martin Fimiani
Address: 2515 Route 516 Old Bridge, NJ 08857Phone: (732)679-9400
Website:
F T P Inc
Address: PO Box 469 Old Bridge, NJ 08857Phone: (908)679-3700
Website:
Best Home & Auto Insurance Agencies in 08857
A BERNE Corporation INS - Progressive Insurance
Address: 40 Bushnell Rd Old Bridge, NJ 08857Phone:
Website: http://www.national.citysearch.com/profile/external/6907245/old_bridge_nj/a_berne_corp_ins_progressive_insurance.html
Info:
F T P Inc
Address: PO Box 469 Old Bridge, NJ 08857Phone:
Website:
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Daven Agency Inc/Jta
Address: 2698 CR-516 Old Bridge, NJ 08857Phone:
Website:
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Allstate Insurance - Martin Fimiani
Address: 2515 CR-516 Old Bridge, NJ 08857Phone:
Website:
Info:
Housing Demographics for 08857
Population Review for 08857 Zip Code
For the city of Old Bridge, the population within 08857 has increased to over 42,031 residents in population size. The current population total is 40,675. We have broken down the population based on race below. In 08857, there are over 19683 in male population and 20992 females.
| Population | Values |
|---|---|
| Total Population | 40,675 |
| White Population | 26560 |
| Black Population | 2534 |
| Hispanic Population | 5726 |
| Asian Population | 5928 |
| Hawaiian Population | 15 |
| Indian Population | 120 |
| Other Population | 1938 |
| Male Population | 19683 |
| Female Population | 20992 |
| Population Estimate | 42031 |
Household Data for 08857
The average number of homes in 08857 is around 15,187, there are an average of 2.64 per household. The average house value according to local real estate values is around $376,100. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 15,187 |
| Persons Per Household | 2.64 |
| Average House Value | $376,100 |
| Income Per Household | $95968 |
| Median Age | 42.6 |
| Median Age Male | 40.9 |
| Median Age Female | 44.1 |
| 08857 Details | Values |
|---|---|
| State | NJ |
| State Full Name | New Jersey |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 732 |
| City | Old Bridge |
| City Alias Name | OLD BRIDGE |
| 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 | 836 |
| Number Of Employees | 9145 |
| Business First Quarter Payroll | 116411 |
| Business Annual Payroll | 500960 |
| 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 | 06|12 |
| Congressional LandArea | 215.55|412.23 |
| Delivery Residential | 15921 |
| Delivery Business | 714 |
| Delivery Total | 16957 |
| Preferred Last Line Key | V11116 |
| Classification Code | |
| Multi-County | |
| CSA Name | New York-Newark, NY-NJ-CT-PA |
| CBSA_DIV_Name | Lakewood-New Brunswick, NJ |
| City State Key | V11116 |
| Land Area | 24.048000 |
| Water Area | 0.351000 |
| City Alias Code | |
| City Mixed Case | Old Bridge |
| City Alias Mixed Case | Old Bridge |
| Box Count | 252 |
| SFDU | 11725 |
| MFDU | 1178 |
| State ANSI | 34 |
| County ANSI | 023 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 336180 |
| 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 […]