Get multiple home insurance quotes in 08876. Our licensed 08876, NJ agents are ready to serve you.

Home Insurance in 08876

One of the best ways to save money on your homeowners insurance policy in the 08876 zip code is to shop your coverage on a regular basis. If your premium has been headed up in the last few years, we can help you find a great policy from the comfort of your own living room.

GetHomeInsuranceQuotes.com is the easiest way to shop for competitive homeowners insurance rates in in Somerville, NJ. A few clicks of the mouse and we will show you quotes from up to 12 nationwide carriers who are happy to compete for your business.

As always, our service is free and our New Jersey licensed agents can advise you on the coverages you need as well as the coverage levels you should be carrying to fully protect your property and possessions. They will also be happy to answer any questions you may have and explain the details of your homeowners insurance coverage.

Getting started is easy, simply click on the "Get Multiple Quotes Now" button at the top of the page, verify your 08876 zip code and you are ready to start saving on home insurance.

Quickly Compare Rate Quotes for 08876

Find Somerville, NJ Homeowners Insurance Quotes to review the best coverage options in your area.

Information on the Average Homeowners Premiums in 08876

According to industry data, homeowners located in Somerville pay roughly $926 per year for a HO-3 homeowners policy. A HO-3 policy is considered the standard when it comes to homeowners insurance. It offers protection for your home, possessions, loss of use as well as liability protection. If you have a mortgage on your property, your lender will require an HO-3 policy is in place to protect their loan.

Remember, an HO-3 policy does not offer coverage for flood damage in 08876 zip code. If you live in a high-risk area for flood damage, your lender will most likely require that you carry a separate flood insurance policy. Our agents can help you determine if you need flood insurance coverage and help you find a policy that fully protects your property.

A recent ranking of New Jersey home insurance premiums found that premiums in 08876 are 22 when compared to other state averages. Shopping your coverage on a regular basis is the best way to ensure you are getting the best price on a homeowners policy.

Start Shopping 08876 Home Insurance Quotes Right Now!

The best part of our job is helping homeowners save money on their homeowners insurance while also educating our clients on the different types of coverage available to them in 08876.

Let us find you a great policy at an affordable price, get 08876 homeowners insurance quotes now.

08876 Home Insurance Average Premiums

Local 08876 homeowners insurance quotes comparison

$676 /yr.

Shows Zip Code: 08876 lowest rates with discounts applied on average.

For the 08876, 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)
$676 /yr.
Average Coverage:$926 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1226 /yr.

What is the average home insurance cost for a home in 08876?

  • • The average homeowners insurance premium paid annually for a home in 08876 is around $926 per year.

What does it cost on average per month for home insurance in 08876?

  • • Homeowners in 08876 pay a monthly average cost per month around $77.00.

What kind of discount could I get if I combine my home and auto insurance together in 08876?

  • • Autoowners in 08876 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 Somerville area, check out other zip codes nearby 08876.
Review average rates in another zip code:
08876 homeowners insurance rates

Home Replacement Cost Coverage in 08876

Average Building Cost Per Square Foot in 08876: $193

Location: Somerville, New Jersey (Somerset County)

Average Square Footage in 08876: 2,059 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08876 before you start any project. Somerville 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 08876 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 08876 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,059 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 Somerville 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$1932,059$397,300
Additional Upgrades & Added Features$2412,059$496,625
Major Home Updates or Advancements$2902,059$595,950

It's important to understand that when you estimate your replacement cost of your home in the 08876 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 08876

Allstate Insurance - Steven H Ulrich

Address: 390 Rt 206 So Hillsborough, NJ 08876
Phone: (908)874-6333
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=9663

Allstate Insurance - Hector Rodriguez Jr.

Address: 205 West Main Street - Suite 401 Somerville, NJ 08876
Phone: (908)927-9200
Website:

Aes Ins Services Llc

Address: 24 Columbia Rd Somerville, NJ 08876
Phone: (908)707-0300
Website:

Allstate Insurance - Cynthia Polanco

Address: 3322 Us Highway 22 Suite 204 Branchburg, NJ 08876
Phone: (908)722-3408
Website:

Best Home & Auto Insurance Agencies in 08876

Allstate Insurance - Cynthia Polanco

Address: 3322 US-22, #204 Branchburg, NJ 08876
Phone:
Website:
Info:

Thomas J Sharp

Address: 24 Columbia Rd, #260 Somerville, NJ 08876
Phone:
Website: http://www.tjsharp.com
Info:

Aes Ins Services Llc

Address: 24 Columbia Rd Somerville, NJ 08876
Phone:
Website:
Info:

Rice Agency

Address: 33 W High St Somerville, NJ 08876
Phone:
Website:
Info:

Allstate Insurance - Hector Rodriguez Jr.

Address: 205 W Main St, #401 Somerville, NJ 08876
Phone:
Website:
Info:

Housing Demographics for 08876

Population Review for 08876 Zip Code

For the city of Somerville, the population within 08876 has increased to over 25,082 residents in population size. The current population total is 22,849. We have broken down the population based on race below. In 08876, there are over 11405 in male population and 11444 females.

PopulationValues
Total Population22,849
White Population14721
Black Population1540
Hispanic Population3957
Asian Population2481
Hawaiian Population6
Indian Population117
Other Population1708
Male Population11405
Female Population11444
Population Estimate25082

Household Data for 08876

The average number of homes in 08876 is around 9,091, there are an average of 2.48 per household. The average house value according to local real estate values is around $397,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,091
Persons Per Household2.48
Average House Value$397,300
Income Per Household$108769
Median Age40.1
Median Age Male38.7
Median Age Female41.4
08876 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code908/732
CitySomerville
City Alias NameSOMERVILLE
CountySomerset
County FIPS035
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 Businesses1037
Number Of Employees24703
Business First Quarter Payroll512707
Business Annual Payroll2133962
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 District07|12
Congressional LandArea970.19|412.23
Delivery Residential10114
Delivery Business1242
Delivery Total11560
Preferred Last Line KeyV11425
Classification Code
Multi-CountyY
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV11425
Land Area15.999000
Water Area0.189000
City Alias Code
City Mixed CaseSomerville
City Alias Mixed CaseSomerville
Box Count210
SFDU6917
MFDU661
State ANSI34
County ANSI035
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number337860
Unique ZIP Name
SSA State County Code31350
Medicare CBSA Code35154
Medicare CBSA NameNew Brunswick-Lakewood, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseSomerset

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 […]