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If you live in the 08048 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Lumberton have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our NJ licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 08048 and then compare quotes from a variety of nationwide insurance companies.

08048 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 08048 the average premium for homeowners coverage is $931 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 08048. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 08048 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Lumberton, NJ home insurance quotes in your area.

08048 Home Insurance Average Premiums

Local 08048 homeowners insurance quotes comparison

$681 /yr.

Shows Zip Code: 08048 lowest rates with discounts applied on average.

For the 08048, 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)		$681 /yr.
Average Coverage:$931 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1231 /yr.

What is the average home insurance cost for a home in 08048?

  • • The average homeowners insurance premium paid annually for a home in 08048 is around $931 per year.

What does it cost on average per month for home insurance in 08048?

  • • Homeowners in 08048 pay a monthly average cost per month around $78.00.

What kind of discount could I get if I combine my home and auto insurance together in 08048?

  • • Autoowners in 08048 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 Lumberton area, check out other zip codes nearby 08048.
Review average rates in another zip code:
08048 homeowners insurance rates

Home Replacement Cost Coverage in 08048

Average Building Cost Per Square Foot in 08048: $193

Location: Lumberton, New Jersey (Burlington County)

Average Square Footage in 08048: 1,773 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08048 before you start any project. Lumberton 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 08048 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 08048 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,773 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 Lumberton 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$1931,773$342,100
Additional Upgrades & Added Features$2411,773$427,625
Major Home Updates or Advancements$2901,773$513,150

It's important to understand that when you estimate your replacement cost of your home in the 08048 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 08048

Best Home & Auto Insurance Agencies in 08048

Housing Demographics for 08048

Population Review for 08048 Zip Code

For the city of Lumberton, the population within 08048 has increased to over 12,972 residents in population size. The current population total is 12,782. We have broken down the population based on race below. In 08048, there are over 6145 in male population and 6637 females.

PopulationValues
Total Population12,782
White Population7858
Black Population2714
Hispanic Population1107
Asian Population679
Hawaiian Population5
Indian Population49
Other Population275
Male Population6145
Female Population6637
Population Estimate12972

Household Data for 08048

The average number of homes in 08048 is around 4,748, there are an average of 2.66 per household. The average house value according to local real estate values is around $342,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,748
Persons Per Household2.66
Average House Value$342,100
Income Per Household$108924
Median Age41.5
Median Age Male40.0
Median Age Female42.8
08048 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code609
CityLumberton
City Alias NameLUMBERTON
CountyBurlington
County FIPS005
State FIPS34
Time Zone5
Day Light SavingY
MSA6162
PMSA6160
CSA428
CBSA37980
CBSA_DIV15804
CBSA_TypeMetro
CBSA_NamePhiladelphia-Camden-Wilmington, PA-NJ-DE-MD
MSA_NamePhiladelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA
PMSA_NamePhiladelphia, PA-NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses243
Number Of Employees5088
Business First Quarter Payroll60767
Business Annual Payroll270400
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5965343
CBSA Division Population1250679
Congressional District03
Congressional LandArea899.7
Delivery Residential4877
Delivery Business206
Delivery Total5785
Preferred Last Line KeyV10813
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_NameCamden, NJ
City State KeyV10813
Land Area12.127000
Water Area0.133000
City Alias Code
City Mixed CaseLumberton
City Alias Mixed CaseLumberton
Box Count116
SFDU3135
MFDU125
State ANSI34
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number334650
Unique ZIP Name
SSA State County Code31150
Medicare CBSA Code15804
Medicare CBSA NameCamden, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseBurlington

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 […]