Get multiple home insurance quotes in 08248. Our licensed 08248, NJ agents are ready to serve you.

08248 Home Insurance Rates & Premiums

Did you know there are over 137 people living within the 08248 zip code area? There are over 77 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 08248.

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 $1,093 a year for a standard homeowners insurance policy in Strathmere. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Strathmere, NJ Homeowners Insurance Quotes Online

08248 Home Insurance Average Premiums

Local 08248 homeowners insurance quotes comparison

$843 /yr.

Shows Zip Code: 08248 lowest rates with discounts applied on average.

For the 08248, 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)		$843 /yr.
Average Coverage:$1093 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1393 /yr.

What is the average home insurance cost for a home in 08248?

  • • The average homeowners insurance premium paid annually for a home in 08248 is around $1093 per year.

What does it cost on average per month for home insurance in 08248?

  • • Homeowners in 08248 pay a monthly average cost per month around $91.00.

What kind of discount could I get if I combine my home and auto insurance together in 08248?

  • • Autoowners in 08248 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 Strathmere area, check out other zip codes nearby 08248.
Review average rates in another zip code:
08248 homeowners insurance rates

Home Replacement Cost Coverage in 08248

Average Building Cost Per Square Foot in 08248: $193

Location: Strathmere, New Jersey (Cape May County)

Average Square Footage in 08248: 4,858 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08248 before you start any project. Strathmere 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 08248 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 08248 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,858 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 Strathmere 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$1934,858$937,500
Additional Upgrades & Added Features$2414,858$1,171,875
Major Home Updates or Advancements$2904,858$1,406,250

It's important to understand that when you estimate your replacement cost of your home in the 08248 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 08248

Best Home & Auto Insurance Agencies in 08248

Housing Demographics for 08248

Population Review for 08248 Zip Code

For the city of Strathmere, the population within 08248 has increased to over 0 residents in population size. The current population total is 137. We have broken down the population based on race below. In 08248, there are over 66 in male population and 71 females.

PopulationValues
Total Population137
White Population132
Black Population1
Hispanic Population3
Asian Population2
Hawaiian Population0
Indian Population0
Other Population1
Male Population66
Female Population71
Population Estimate0

Household Data for 08248

The average number of homes in 08248 is around 77, there are an average of 1.78 per household. The average house value according to local real estate values is around $937,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode77
Persons Per Household1.78
Average House Value$937,500
Income Per Household$117917
Median Age62.7
Median Age Male62.0
Median Age Female63.5
08248 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeZ
City Alias Abbreviation
Area Code609/640
CityStrathmere
City Alias NameSTRATHMERE
CountyCape May
County FIPS009
State FIPS34
Time Zone5
Day Light SavingY
MSA6162
PMSA0560
CSA428
CBSA12100
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAtlantic City-Hammonton, NJ
MSA_NamePhiladelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA
PMSA_NameAtlantic-Cape May, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees86
Business First Quarter Payroll186
Business Annual Payroll6315
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population274549
CBSA Division Population0
Congressional District02
Congressional LandArea2092.43
Delivery Residential0
Delivery Business0
Delivery Total151
Preferred Last Line KeyV11520
Classification CodeP
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyV11520
Land Area0.526000
Water Area0.886000
City Alias Code
City Mixed CaseStrathmere
City Alias Mixed CaseStrathmere
Box Count97
SFDU0
MFDU0
State ANSI34
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number338265
Unique ZIP Name
SSA State County Code31180
Medicare CBSA Code36140
Medicare CBSA NameOcean City, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseCape May

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 […]