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08243 Home Insurance Rates
For homeowners living in 08243, the population estimates are increasing to well over 2,104 with 1,098 occupied homes within the zip code of 08243. Homeowners like you are dicovering up to 40% or more in savings when they shop their new home insurance policy online. At GetHomeInsuranceQuotes.com, we provide homeowners a free shopping service that allows you to easily compare up to 12 competitive quotes for free. Home insurance premiums in Sea Isle City have increased and the average home insurance premium is around $927 per year in 08243. With our online quoting services and hassle free consultation, we can help you apply all the available discounts you need, plus review the best coverage and carrier option for you. Enter your 08243 zip code today so we can help you find affordable Sea Isle City, NJ home insurance premiums.
Compare Multiple Homeowners Insurance Rates in 08243
Please select one of the three options below based on your 08243 zip code to learn more about New Jersey homeowners insurance, plus review average rates and information per state, county or city.
- New Jersey Homeowners Insurance Quotes
- Cape May County, NJ Home Insurance
- Sea Isle City, NJ Home Insurance Quotes
08243 Average Home Insurance Rating Cost is: High!
Getting cheaper homeowners insurance in the 08243 zip code just got easier with GetHomeInsuranceQuotes.com of Sea Isle City, NJ. A homeowners policy consists of a combined property and casualty coverage for your home. To insure your home for a variety of risks like fire, theft, windstorm damage or liability accidents, it's important to get the right home insurance coverage. A standard HO-3 homeowners policy will help you get the basic coverage you need. Their are multiple home insurance types and we can help you get the savings you are looking for you in your insurance cost, plus the enhanced coverage you need so you have the protection when you need it most. Shop your home in 08243 today and let us help you review the best home insurance quotes available for homeowners living in Sea Isle City.
08243 Home Insurance Average Premiums
$677 /yr.
Shows Zip Code: 08243 lowest rates with discounts applied on average.
For the 08243, 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) | $677 /yr. |
| Average Coverage: | $927 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1227 /yr. |
What is the average home insurance cost for a home in 08243?
- • The average homeowners insurance premium paid annually for a home in 08243 is around $927 per year.
What does it cost on average per month for home insurance in 08243?
- • Homeowners in 08243 pay a monthly average cost per month around $77.00.
What kind of discount could I get if I combine my home and auto insurance together in 08243?
- • Autoowners in 08243 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 Sea Isle City area, check out other zip codes nearby 08243.
Review average rates in another zip code:
08243 homeowners insurance rates
Home Replacement Cost Coverage in 08243
Average Building Cost Per Square Foot in 08243: $193
Location: Sea Isle City, New Jersey (Cape May County)Average Square Footage in 08243: 4,118 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 08243 before you start any project. Sea Isle City 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 08243 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 08243 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,118 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 Sea Isle City 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 | 4,118 | $794,800 |
| Additional Upgrades & Added Features | $241 | 4,118 | $993,500 |
| Major Home Updates or Advancements | $290 | 4,118 | $1,192,200 |
It's important to understand that when you estimate your replacement cost of your home in the 08243 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 08243
Best Home & Auto Insurance Agencies in 08243
Housing Demographics for 08243
Population Review for 08243 Zip Code
For the city of Sea Isle City, the population within 08243 has increased to over 3,837 residents in population size. The current population total is 2,104. We have broken down the population based on race below. In 08243, there are over 1009 in male population and 1095 females.
| Population | Values |
|---|---|
| Total Population | 2,104 |
| White Population | 2007 |
| Black Population | 8 |
| Hispanic Population | 57 |
| Asian Population | 11 |
| Hawaiian Population | 0 |
| Indian Population | 5 |
| Other Population | 29 |
| Male Population | 1009 |
| Female Population | 1095 |
| Population Estimate | 3837 |
Household Data for 08243
The average number of homes in 08243 is around 1,098, there are an average of 1.91 per household. The average house value according to local real estate values is around $794,800. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 1,098 |
| Persons Per Household | 1.91 |
| Average House Value | $794,800 |
| Income Per Household | $86359 |
| Median Age | 63.7 |
| Median Age Male | 62.9 |
| Median Age Female | 64.4 |
| 08243 Details | Values |
|---|---|
| State | NJ |
| State Full Name | New Jersey |
| City Type | P |
| City Alias Abbreviation | |
| Area Code | 609/640 |
| City | Sea Isle City |
| City Alias Name | SEA ISLE CITY |
| County | Cape May |
| County FIPS | 009 |
| State FIPS | 34 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6162 |
| PMSA | 0560 |
| CSA | 428 |
| CBSA | 12100 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Atlantic City-Hammonton, NJ |
| MSA_Name | Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA |
| PMSA_Name | Atlantic-Cape May, NJ PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 152 |
| Number Of Employees | 663 |
| Business First Quarter Payroll | 5800 |
| Business Annual Payroll | 41276 |
| 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 | 274549 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 2092.43 |
| Delivery Residential | 2009 |
| Delivery Business | 168 |
| Delivery Total | 2746 |
| Preferred Last Line Key | V11369 |
| Classification Code | |
| Multi-County | |
| CSA Name | Philadelphia-Reading-Camden, PA-NJ-DE-MD |
| CBSA_DIV_Name | |
| City State Key | V11369 |
| Land Area | 2.204000 |
| Water Area | 1.971000 |
| City Alias Code | |
| City Mixed Case | Sea Isle City |
| City Alias Mixed Case | Sea Isle City |
| Box Count | 106 |
| SFDU | 1825 |
| MFDU | 87 |
| State ANSI | 34 |
| County ANSI | 009 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | Y |
| Carrier Route Rate Sortation | D |
| Finance Number | 337620 |
| Unique ZIP Name | |
| SSA State County Code | 31180 |
| Medicare CBSA Code | 36140 |
| Medicare CBSA Name | Ocean City, NJ |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Cape May |
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 […]