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Compare 08104 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 08104 area? The average homeowners premium in New Jersey for a standard homeowners policy is around $967/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 08104 zip code, the population size is around 21,951 with 8,042 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 08104.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Camden, NJ Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. NJ RateDiscountsSavingsShop Rates
$1,277up to 40% off$511

08104 Home Insurance Average Premiums

Local 08104 homeowners insurance quotes comparison

$717 /yr.

Shows Zip Code: 08104 lowest rates with discounts applied on average.

For the 08104, 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)
$717 /yr.
Average Coverage:$967 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1267 /yr.

What is the average home insurance cost for a home in 08104?

  • • The average homeowners insurance premium paid annually for a home in 08104 is around $967 per year.

What does it cost on average per month for home insurance in 08104?

  • • Homeowners in 08104 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 08104?

  • • Autoowners in 08104 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 Camden area, check out other zip codes nearby 08104.
Review average rates in another zip code:
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08105 homeowners insurance rates
08102 homeowners insurance rates
08103 homeowners insurance rates

Home Replacement Cost Coverage in 08104

Average Building Cost Per Square Foot in 08104: $193

Location: Camden, New Jersey (Camden County)

Average Square Footage in 08104: 379 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08104 before you start any project. Camden 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 08104 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 08104 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 379 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 Camden 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$193379$73,200
Additional Upgrades & Added Features$241379$91,500
Major Home Updates or Advancements$290379$109,800

It's important to understand that when you estimate your replacement cost of your home in the 08104 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 08104

Best Home & Auto Insurance Agencies in 08104

Housing Demographics for 08104

Population Review for 08104 Zip Code

For the city of Camden, the population within 08104 has increased to over 23,093 residents in population size. The current population total is 21,951. We have broken down the population based on race below. In 08104, there are over 9986 in male population and 11965 females.

PopulationValues
Total Population21,951
White Population1862
Black Population13043
Hispanic Population8180
Asian Population138
Hawaiian Population23
Indian Population139
Other Population4868
Male Population9986
Female Population11965
Population Estimate23093

Household Data for 08104

The average number of homes in 08104 is around 8,042, there are an average of 2.70 per household. The average house value according to local real estate values is around $73,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,042
Persons Per Household2.70
Average House Value$73,200
Income Per Household$27399
Median Age31.5
Median Age Male29.6
Median Age Female33.2
08104 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code856
CityCamden
City Alias NameCAMDEN
CountyCamden
County FIPS007
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 Businesses231
Number Of Employees4349
Business First Quarter Payroll61538
Business Annual Payroll290676
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 Residential8553
Delivery Business410
Delivery Total9027
Preferred Last Line KeyV10205
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_NameCamden, NJ
City State KeyV10205
Land Area2.997000
Water Area0.421000
City Alias Code
City Mixed CaseCamden
City Alias Mixed CaseCamden
Box Count0
SFDU6188
MFDU501
State ANSI34
County ANSI007
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number331260
Unique ZIP Name
SSA State County Code31160
Medicare CBSA Code15804
Medicare CBSA NameCamden, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseCamden

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 […]