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Compare 08260 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Wildwood just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,231 neighbors looking to save on their home insurance policy in the local 08260 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 08260. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best New Jersey rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Wildwood, NJ home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Wildwood, NJ

08260 Home Insurance Average Premiums

Local 08260 homeowners insurance quotes comparison

$740 /yr.

Shows Zip Code: 08260 lowest rates with discounts applied on average.

For the 08260, 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)
$740 /yr.
Average Coverage:$990 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1290 /yr.

What is the average home insurance cost for a home in 08260?

  • • The average homeowners insurance premium paid annually for a home in 08260 is around $990 per year.

What does it cost on average per month for home insurance in 08260?

  • • Homeowners in 08260 pay a monthly average cost per month around $83.00.

What kind of discount could I get if I combine my home and auto insurance together in 08260?

  • • Autoowners in 08260 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 Wildwood area, check out other zip codes nearby 08260.
Review average rates in another zip code:
08260 homeowners insurance rates

Home Replacement Cost Coverage in 08260

Average Building Cost Per Square Foot in 08260: $193

Location: Wildwood, New Jersey (Cape May County)

Average Square Footage in 08260: 1,885 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08260 before you start any project. Wildwood 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 08260 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 08260 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,885 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 Wildwood 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$1931,885$363,800
Additional Upgrades & Added Features$2411,885$454,750
Major Home Updates or Advancements$2901,885$545,700

It's important to understand that when you estimate your replacement cost of your home in the 08260 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 08260

Coastline Insurance Agency Inc

Address: 4612 Park Boulevard Wildwood, NJ 08260
Phone: (609)522-4515
Website: www.southjerseyinsurance.com

Best Home & Auto Insurance Agencies in 08260

Byrne, J - Byrne Agency

Address: 5200 New Jersey Avenue Wildwood, NJ 08260
Phone:
Website: http://www.jbyrneagency.com/
Info:

Housing Demographics for 08260

Population Review for 08260 Zip Code

For the city of Wildwood, the population within 08260 has increased to over 15,102 residents in population size. The current population total is 12,964. We have broken down the population based on race below. In 08260, there are over 6358 in male population and 6606 females.

PopulationValues
Total Population12,964
White Population10378
Black Population475
Hispanic Population1992
Asian Population89
Hawaiian Population2
Indian Population43
Other Population1051
Male Population6358
Female Population6606
Population Estimate15102

Household Data for 08260

The average number of homes in 08260 is around 6,231, there are an average of 2.08 per household. The average house value according to local real estate values is around $363,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,231
Persons Per Household2.08
Average House Value$363,800
Income Per Household$57869
Median Age54.1
Median Age Male52.2
Median Age Female55.3
08260 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code609/640
CityWildwood
City Alias NameWILDWOOD
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 Businesses737
Number Of Employees2807
Business First Quarter Payroll22184
Business Annual Payroll185459
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 Residential7261
Delivery Business934
Delivery Total8402
Preferred Last Line KeyV11775
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyV11775
Land Area15.945000
Water Area8.343000
City Alias Code
City Mixed CaseWildwood
City Alias Mixed CaseWildwood
Box Count251
SFDU5997
MFDU726
State ANSI34
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number339150
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 […]