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08879 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 08879 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in South Amboy, NJ quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 08879.

Shopping for insurance quotes on GetHomeInsuranceQuotes.com is always free and we will provide you with a free consultation to answer any questions you may have about coverages and rates.

If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 08879 and start shopping.

Quickly and Easily Compare Average Rates for 08879

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional South Amboy, NJ home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 08879

Homeowners in South Amboy are paying roughly $986 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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08879 Home Insurance Average Premiums

Local 08879 homeowners insurance quotes comparison

$736 /yr.

Shows Zip Code: 08879 lowest rates with discounts applied on average.

For the 08879, 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)
$736 /yr.
Average Coverage:$986 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1286 /yr.

What is the average home insurance cost for a home in 08879?

  • • The average homeowners insurance premium paid annually for a home in 08879 is around $986 per year.

What does it cost on average per month for home insurance in 08879?

  • • Homeowners in 08879 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 08879?

  • • Autoowners in 08879 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 South Amboy area, check out other zip codes nearby 08879.
Review average rates in another zip code:
08879 homeowners insurance rates

Home Replacement Cost Coverage in 08879

Average Building Cost Per Square Foot in 08879: $193

Location: South Amboy, New Jersey (Middlesex County)

Average Square Footage in 08879: 1,643 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08879 before you start any project. South 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 08879 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 08879 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,643 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 South 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$1931,643$317,100
Additional Upgrades & Added Features$2411,643$396,375
Major Home Updates or Advancements$2901,643$475,650

It's important to understand that when you estimate your replacement cost of your home in the 08879 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 08879

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Housing Demographics for 08879

Population Review for 08879 Zip Code

For the city of South Amboy, the population within 08879 has increased to over 23,465 residents in population size. The current population total is 22,965. We have broken down the population based on race below. In 08879, there are over 11286 in male population and 11679 females.

PopulationValues
Total Population22,965
White Population15162
Black Population1803
Hispanic Population4388
Asian Population1847
Hawaiian Population3
Indian Population96
Other Population1787
Male Population11286
Female Population11679
Population Estimate23465

Household Data for 08879

The average number of homes in 08879 is around 9,108, there are an average of 2.50 per household. The average house value according to local real estate values is around $317,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode9,108
Persons Per Household2.50
Average House Value$317,100
Income Per Household$89041
Median Age41.8
Median Age Male40.1
Median Age Female43.5
08879 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code732/848
CitySouth Amboy
City Alias NameSOUTH 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 Businesses371
Number Of Employees4054
Business First Quarter Payroll35151
Business Annual Payroll163514
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 Residential9386
Delivery Business411
Delivery Total12520
Preferred Last Line KeyV11430
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV11430
Land Area7.082000
Water Area0.513000
City Alias Code
City Mixed CaseSouth Amboy
City Alias Mixed CaseSouth Amboy
Box Count120
SFDU8056
MFDU538
State ANSI34
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number337875
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

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    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 […]