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08904 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 08904 zip code it's important to know that our rates are very competitive for homeowners living in Highland Park, NJ. Many homeowners based out of your 08904 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New Jersey licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 08904 should appear in the zip code field ready to go. For Highland Park, NJ Homeowners Insurance Quotes nearby, we offer the best rates and service.

08904: Average Home Insurance Rates

For homeowners living in the great city of Highland Park, the average homeowners policy is considered high in comparison to other states. New Jersey premiums are estimated to be around $1026 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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08904 Home Insurance Average Premiums

Local 08904 homeowners insurance quotes comparison

$776 /yr.

Shows Zip Code: 08904 lowest rates with discounts applied on average.

For the 08904, 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)		$776 /yr.
Average Coverage:$1026 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1326 /yr.

What is the average home insurance cost for a home in 08904?

  • • The average homeowners insurance premium paid annually for a home in 08904 is around $1026 per year.

What does it cost on average per month for home insurance in 08904?

  • • Homeowners in 08904 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 08904?

  • • Autoowners in 08904 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 Highland Park area, check out other zip codes nearby 08904.
Review average rates in another zip code:
08904 homeowners insurance rates

Home Replacement Cost Coverage in 08904

Average Building Cost Per Square Foot in 08904: $193

Location: Highland Park, New Jersey (Middlesex County)

Average Square Footage in 08904: 1,954 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08904 before you start any project. Highland Park 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 08904 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 08904 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,954 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 Highland Park 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$1931,954$377,100
Additional Upgrades & Added Features$2411,954$471,375
Major Home Updates or Advancements$2901,954$565,650

It's important to understand that when you estimate your replacement cost of your home in the 08904 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 08904

Best Home & Auto Insurance Agencies in 08904

Parker Remsen & Sullivan

Address: PO Box 4449 Highland Park, NJ 08904
Phone:
Website:
Info:

Housing Demographics for 08904

Population Review for 08904 Zip Code

For the city of Highland Park, the population within 08904 has increased to over 15,698 residents in population size. The current population total is 15,072. We have broken down the population based on race below. In 08904, there are over 7271 in male population and 7801 females.

PopulationValues
Total Population15,072
White Population8573
Black Population1328
Hispanic Population2251
Asian Population2662
Hawaiian Population10
Indian Population91
Other Population1144
Male Population7271
Female Population7801
Population Estimate15698

Household Data for 08904

The average number of homes in 08904 is around 6,320, there are an average of 2.38 per household. The average house value according to local real estate values is around $377,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,320
Persons Per Household2.38
Average House Value$377,100
Income Per Household$85652
Median Age35.0
Median Age Male33.9
Median Age Female36.4
08904 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeB
City Alias Abbreviation
Area Code732/848/908
CityHighland Park
City Alias NameHIGHLAND PARK
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 Businesses314
Number Of Employees2019
Business First Quarter Payroll19406
Business Annual Payroll87804
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 Residential6596
Delivery Business368
Delivery Total7129
Preferred Last Line KeyV10637
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV10637
Land Area1.821000
Water Area0.008000
City Alias Code
City Mixed CaseHighland Park
City Alias Mixed CaseHighland Park
Box Count103
SFDU3424
MFDU999
State ANSI34
County ANSI023
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number335685
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 […]