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Home Insurance in 08059
Our rates are very competitive for homeowners living in the 08059 zip code. Many homeowners based out of Mount Ephraim, NJ 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 NJ 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 08059 should appear in the zip code field ready to go.
08059 Average Home Insurance Rates
Are you looking for a standard HO-3 homeowners policy for your single family home in the Mount Ephraim area? The average homeowners premium in 08059 is high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 08059, you can expect to pay around $977 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.
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Get Home Insurance Quotes in 08059
We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of New Jersey. Start your 08059 home insurance shopping today!
08059 Home Insurance Average Premiums
$727 /yr.
Shows Zip Code: 08059 lowest rates with discounts applied on average.
For the 08059, 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) | $727 /yr. |
| Average Coverage: | $977 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1277 /yr. |
What is the average home insurance cost for a home in 08059?
- • The average homeowners insurance premium paid annually for a home in 08059 is around $977 per year.
What does it cost on average per month for home insurance in 08059?
- • Homeowners in 08059 pay a monthly average cost per month around $81.00.
What kind of discount could I get if I combine my home and auto insurance together in 08059?
- • Autoowners in 08059 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 Mount Ephraim area, check out other zip codes nearby 08059.
Review average rates in another zip code:
08059 homeowners insurance rates
Home Replacement Cost Coverage in 08059
Average Building Cost Per Square Foot in 08059: $193
Location: Mount Ephraim, New Jersey (Camden County)Average Square Footage in 08059: 931 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 08059 before you start any project. Mount Ephraim 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 08059 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 08059 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 931 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 Mount Ephraim 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 Status | Price per Sq. Ft. | Square Feet | Dwelling Coverage |
|---|---|---|---|
| Basic Home Features | $193 | 931 | $179,600 |
| Additional Upgrades & Added Features | $241 | 931 | $224,500 |
| Major Home Updates or Advancements | $290 | 931 | $269,400 |
It's important to understand that when you estimate your replacement cost of your home in the 08059 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 08059
Best Home & Auto Insurance Agencies in 08059
MARINO AGENCY - Progressive Insurance
Address: 209 S Black Horse Pike Mt Ephraim, NJ 08059Phone:
Website: http://www.national.citysearch.com/profile/external/32502166/mount_ephraim_nj/marino_agency_progressive_insurance.html
Info:
Housing Demographics for 08059
Population Review for 08059 Zip Code
For the city of Mount Ephraim, the population within 08059 has increased to over 5,712 residents in population size. The current population total is 5,639. We have broken down the population based on race below. In 08059, there are over 2765 in male population and 2874 females.
| Population | Values |
|---|---|
| Total Population | 5,639 |
| White Population | 4838 |
| Black Population | 200 |
| Hispanic Population | 398 |
| Asian Population | 97 |
| Hawaiian Population | 0 |
| Indian Population | 7 |
| Other Population | 161 |
| Male Population | 2765 |
| Female Population | 2874 |
| Population Estimate | 5712 |
Household Data for 08059
The average number of homes in 08059 is around 2,300, there are an average of 2.44 per household. The average house value according to local real estate values is around $179,600. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 2,300 |
| Persons Per Household | 2.44 |
| Average House Value | $179,600 |
| Income Per Household | $83089 |
| Median Age | 40.6 |
| Median Age Male | 39.9 |
| Median Age Female | 41.5 |
| 08059 Details | Values |
|---|---|
| State | NJ |
| State Full Name | New Jersey |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 856 |
| City | Mount Ephraim |
| City Alias Name | MOUNT EPHRAIM |
| County | Camden |
| County FIPS | 007 |
| State FIPS | 34 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6162 |
| PMSA | 6160 |
| CSA | 428 |
| CBSA | 37980 |
| CBSA_DIV | 15804 |
| CBSA_Type | Metro |
| CBSA_Name | Philadelphia-Camden-Wilmington, PA-NJ-DE-MD |
| MSA_Name | Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA |
| PMSA_Name | Philadelphia, PA-NJ PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 115 |
| Number Of Employees | 1455 |
| Business First Quarter Payroll | 11400 |
| Business Annual Payroll | 53111 |
| Business Employment Flag | |
| Growth Rank | 0 |
| Growth Housing Units 2003 | |
| Growth Housing Units 2004 | |
| Growth Increase Number | 0 |
| Growth Increase Percentage | 0.0 |
| Metropolitan Details | Values |
|---|---|
| CBSA Population | 5965343 |
| CBSA Division Population | 1250679 |
| Congressional District | 01 |
| Congressional LandArea | 350.02 |
| Delivery Residential | 2341 |
| Delivery Business | 123 |
| Delivery Total | 3104 |
| Preferred Last Line Key | V10959 |
| Classification Code | |
| Multi-County | |
| CSA Name | Philadelphia-Reading-Camden, PA-NJ-DE-MD |
| CBSA_DIV_Name | Camden, NJ |
| City State Key | V10959 |
| Land Area | 1.229000 |
| Water Area | 0.054000 |
| City Alias Code | |
| City Mixed Case | Mount Ephraim |
| City Alias Mixed Case | Mount Ephraim |
| Box Count | 53 |
| SFDU | 2146 |
| MFDU | 146 |
| State ANSI | 34 |
| County ANSI | 007 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 335520 |
| Unique ZIP Name | |
| SSA State County Code | 31160 |
| Medicare CBSA Code | 15804 |
| Medicare CBSA Name | Camden, NJ |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Camden |
New Jersey Homeowners Insurance News & Information
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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, […]
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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 […]