Get multiple home insurance quotes in 08105. Our licensed 08105, NJ agents are ready to serve you.

08105 Home Insurance Rates & Premiums

Did you know there are over 26,572 people living within the 08105 zip code area? There are over 8,506 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 08105.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in New Jersey are on the rise. The estimated average premium is around $945 a year for a standard homeowners insurance policy in Camden. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Camden, NJ Homeowners Insurance Quotes Online

08105 Home Insurance Average Premiums

Local 08105 homeowners insurance quotes comparison

$695 /yr.

Shows Zip Code: 08105 lowest rates with discounts applied on average.

For the 08105, 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)		$695 /yr.
Average Coverage:$945 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1245 /yr.

What is the average home insurance cost for a home in 08105?

  • • The average homeowners insurance premium paid annually for a home in 08105 is around $945 per year.

What does it cost on average per month for home insurance in 08105?

  • • Homeowners in 08105 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 08105?

  • • Autoowners in 08105 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 08105.
Review average rates in another zip code:
08102 homeowners insurance rates
08103 homeowners insurance rates
08105 homeowners insurance rates
08104 homeowners insurance rates

Home Replacement Cost Coverage in 08105

Average Building Cost Per Square Foot in 08105: $193

Location: Camden, New Jersey (Camden County)

Average Square Footage in 08105: 467 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08105 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 08105 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 08105 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 467 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$193467$90,100
Additional Upgrades & Added Features$241467$112,625
Major Home Updates or Advancements$290467$135,150

It's important to understand that when you estimate your replacement cost of your home in the 08105 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 08105

Best Home & Auto Insurance Agencies in 08105

Irizarry Insurance Agency

Address: 3218 River Rd Camden, NJ 08105
Phone:
Website: http://www.national.citysearch.com/profile/662423740/camden_nj/irizarry_insurance_agency.html
Info:

Housing Demographics for 08105

Population Review for 08105 Zip Code

For the city of Camden, the population within 08105 has increased to over 27,459 residents in population size. The current population total is 26,572. We have broken down the population based on race below. In 08105, there are over 12720 in male population and 13852 females.

PopulationValues
Total Population26,572
White Population2604
Black Population6559
Hispanic Population18986
Asian Population718
Hawaiian Population14
Indian Population413
Other Population11967
Male Population12720
Female Population13852
Population Estimate27459

Household Data for 08105

The average number of homes in 08105 is around 8,506, there are an average of 3.12 per household. The average house value according to local real estate values is around $90,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode8,506
Persons Per Household3.12
Average House Value$90,100
Income Per Household$36274
Median Age31.1
Median Age Male30.2
Median Age Female32.2
08105 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code856/609
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 Businesses234
Number Of Employees1791
Business First Quarter Payroll15824
Business Annual Payroll69179
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 Residential8801
Delivery Business407
Delivery Total11285
Preferred Last Line KeyV10205
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_NameCamden, NJ
City State KeyV10205
Land Area2.594000
Water Area0.187000
City Alias Code
City Mixed CaseCamden
City Alias Mixed CaseCamden
Box Count182
SFDU7714
MFDU622
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

  • 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 […]