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08097 Home Insurance Rates

Getting multiple homeowners insurance rates in 08097 is the best way to review and compare all the coverage options available for you, your home and your family. Our homeowners rates are very competitive for homeowners living in the great city of Woodbury Heights, NJ. Many homeowners based out of the 08097 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. The reason is because we clearly showcase the carriers that we will shop for you. We can compare up to 12 competitive home insurance rates for you all in one place. Plus, our home insurance quotes are free and our New Jersey licensed home insurance professionals can provide a free consultation service to you that allows you to ask questions about which policy and coverage package is best for you. To get free home insurance quotes, simply click the "Get Multiple Quotes Now" button. Your 08097 should appear in the zip code field ready to go. For Woodbury Heights, NJ Home Insurance Quotes, Click to easily get started!

08097 Homeowners Insurance Rates, Average Rating: High!

Your homeowners insurance policy in 08097 consists of both property and casualty insurance coverage. This type of policy will insure your home against a variety of risks, including fire, theft and windstorm damage. Additional protection is also included in most policies that offer liability coverage against accidents that may injure other people on your property in Woodbury Heights. For a basic HO-3, standard homeowners policy, the average premium per year in New Jersey is around $933. By shopping your home insurance with us at GetHomeInsuranceQuotes.com, we can help you compare the most affordable rates and enhanced coverage options. Please enter your 08097 zip code today and let us help you save time and money on your homeowners insurance premium.

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08097 Home Insurance Average Premiums

Local 08097 homeowners insurance quotes comparison

$683 /yr.

Shows Zip Code: 08097 lowest rates with discounts applied on average.

For the 08097, 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)
$683 /yr.
Average Coverage:$933 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1233 /yr.

What is the average home insurance cost for a home in 08097?

  • • The average homeowners insurance premium paid annually for a home in 08097 is around $933 per year.

What does it cost on average per month for home insurance in 08097?

  • • Homeowners in 08097 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 08097?

  • • Autoowners in 08097 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 Woodbury Heights area, check out other zip codes nearby 08097.
Review average rates in another zip code:
08097 homeowners insurance rates

Home Replacement Cost Coverage in 08097

Average Building Cost Per Square Foot in 08097: $193

Location: Woodbury Heights, New Jersey (Gloucester County)

Average Square Footage in 08097: 1,036 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08097 before you start any project. Woodbury Heights 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 08097 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 08097 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,036 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 Woodbury Heights 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$1931,036$200,000
Additional Upgrades & Added Features$2411,036$250,000
Major Home Updates or Advancements$2901,036$300,000

It's important to understand that when you estimate your replacement cost of your home in the 08097 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 08097

Allstate Insurance - Patricia Egberts

Address: 722 Mantua Pike #5 Woodbury Heights, NJ 08097
Phone: (856)845-9911
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=9687

Best Home & Auto Insurance Agencies in 08097

Allstate Insurance - Patricia Egberts

Address: 722 Mantua Pike Woodbury Heights, NJ 08097
Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=9687
Info:

Housing Demographics for 08097

Population Review for 08097 Zip Code

For the city of Woodbury Heights, the population within 08097 has increased to over 3,363 residents in population size. The current population total is 3,283. We have broken down the population based on race below. In 08097, there are over 1581 in male population and 1702 females.

PopulationValues
Total Population3,283
White Population2772
Black Population222
Hispanic Population204
Asian Population35
Hawaiian Population10
Indian Population2
Other Population57
Male Population1581
Female Population1702
Population Estimate3363

Household Data for 08097

The average number of homes in 08097 is around 1,132, there are an average of 2.89 per household. The average house value according to local real estate values is around $200,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,132
Persons Per Household2.89
Average House Value$200,000
Income Per Household$87813
Median Age40.3
Median Age Male38.7
Median Age Female41.9
08097 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeN
City Alias AbbreviationWOODBURY HTS
Area Code856/609
CityWoodbury Heights
City Alias NameWOODBURY HEIGHTS
CountyGloucester
County FIPS015
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 Businesses104
Number Of Employees1845
Business First Quarter Payroll18804
Business Annual Payroll85856
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 District01
Congressional LandArea350.02
Delivery Residential1164
Delivery Business120
Delivery Total4136
Preferred Last Line Key015504
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_NameCamden, NJ
City State Key015504
Land Area1.316000
Water Area0.009000
City Alias Code
City Mixed CaseWoodbury Heights
City Alias Mixed CaseWoodbury Heights
Box Count8
SFDU1148
MFDU0
State ANSI34
County ANSI015
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number339240
Unique ZIP Name
SSA State County Code31220
Medicare CBSA Code15804
Medicare CBSA NameCamden, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseGloucester

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 […]