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08861 Home Insurance Rates & Premiums

Did you know there are over 58,039 people living within the 08861 zip code area? There are over 17,999 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:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 08861.

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 $985 a year for a standard homeowners insurance policy in Perth Amboy. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Perth Amboy, NJ Homeowners Insurance Quotes Online

08861 Home Insurance Average Premiums

Local 08861 homeowners insurance quotes comparison

$735 /yr.

Shows Zip Code: 08861 lowest rates with discounts applied on average.

For the 08861, 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)		$735 /yr.
Average Coverage:$985 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1285 /yr.

What is the average home insurance cost for a home in 08861?

  • • The average homeowners insurance premium paid annually for a home in 08861 is around $985 per year.

What does it cost on average per month for home insurance in 08861?

  • • Homeowners in 08861 pay a monthly average cost per month around $82.00.

What kind of discount could I get if I combine my home and auto insurance together in 08861?

  • • Autoowners in 08861 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 Perth Amboy area, check out other zip codes nearby 08861.
Review average rates in another zip code:
08861 homeowners insurance rates

Home Replacement Cost Coverage in 08861

Average Building Cost Per Square Foot in 08861: $193

Location: Perth Amboy, New Jersey (Middlesex County)

Average Square Footage in 08861: 1,459 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08861 before you start any project. Perth Amboy 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 08861 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 08861 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,459 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 Perth Amboy 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$1931,459$281,600
Additional Upgrades & Added Features$2411,459$352,000
Major Home Updates or Advancements$2901,459$422,400

It's important to understand that when you estimate your replacement cost of your home in the 08861 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 08861

Best Home & Auto Insurance Agencies in 08861

Hugo Fleites Incorporated

Address: 362 State St Perth Amboy, NJ 08861
Phone:
Website: http://www.national.citysearch.com/profile/668230050/perth_amboy_nj/hugo_fleites_inc_.html
Info:

Housing Demographics for 08861

Population Review for 08861 Zip Code

For the city of Perth Amboy, the population within 08861 has increased to over 54,124 residents in population size. The current population total is 58,039. We have broken down the population based on race below. In 08861, there are over 28188 in male population and 29851 females.

PopulationValues
Total Population58,039
White Population10775
Black Population4718
Hispanic Population47533
Asian Population782
Hawaiian Population33
Indian Population761
Other Population29044
Male Population28188
Female Population29851
Population Estimate54124

Household Data for 08861

The average number of homes in 08861 is around 17,999, there are an average of 3.19 per household. The average house value according to local real estate values is around $281,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,999
Persons Per Household3.19
Average House Value$281,600
Income Per Household$54587
Median Age35.1
Median Age Male33.8
Median Age Female36.2
08861 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code732/848/908
CityPerth Amboy
City Alias NamePERTH AMBOY
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 Businesses1007
Number Of Employees12324
Business First Quarter Payroll124298
Business Annual Payroll570706
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 Residential16967
Delivery Business1268
Delivery Total20785
Preferred Last Line KeyV11185
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV11185
Land Area5.099000
Water Area1.299000
City Alias Code
City Mixed CasePerth Amboy
City Alias Mixed CasePerth Amboy
Box Count0
SFDU11434
MFDU3326
State ANSI34
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number336585
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 […]