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08314 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 08314 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Delmont, NJ quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 08314.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 08314 and start shopping.

Quickly and Easily Compare Average Rates for 08314

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Delmont, NJ home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 08314

Homeowners in Delmont are paying roughly $953 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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08314 Home Insurance Average Premiums

Local 08314 homeowners insurance quotes comparison

$703 /yr.

Shows Zip Code: 08314 lowest rates with discounts applied on average.

For the 08314, 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)		$703 /yr.
Average Coverage:$953 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1253 /yr.

What is the average home insurance cost for a home in 08314?

  • • The average homeowners insurance premium paid annually for a home in 08314 is around $953 per year.

What does it cost on average per month for home insurance in 08314?

  • • Homeowners in 08314 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 08314?

  • • Autoowners in 08314 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 Delmont area, check out other zip codes nearby 08314.
Review average rates in another zip code:
08314 homeowners insurance rates

Home Replacement Cost Coverage in 08314

Average Building Cost Per Square Foot in 08314: $193

Location: Delmont, New Jersey (Cumberland County)

Average Square Footage in 08314: 847 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08314 before you start any project. Delmont 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 08314 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 08314 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 847 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 Delmont 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$193847$163,500
Additional Upgrades & Added Features$241847$204,375
Major Home Updates or Advancements$290847$245,250

It's important to understand that when you estimate your replacement cost of your home in the 08314 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 08314

Best Home & Auto Insurance Agencies in 08314

Housing Demographics for 08314

Population Review for 08314 Zip Code

For the city of Delmont, the population within 08314 has increased to over 186 residents in population size. The current population total is 280. We have broken down the population based on race below. In 08314, there are over 188 in male population and 92 females.

PopulationValues
Total Population280
White Population240
Black Population8
Hispanic Population22
Asian Population1
Hawaiian Population0
Indian Population1
Other Population15
Male Population188
Female Population92
Population Estimate186

Household Data for 08314

The average number of homes in 08314 is around 117, there are an average of 2.39 per household. The average house value according to local real estate values is around $163,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode117
Persons Per Household2.39
Average House Value$163,500
Income Per Household$0
Median Age44.1
Median Age Male45.0
Median Age Female41.3
08314 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code609/640
CityDelmont
City Alias NameDELMONT
CountyCumberland
County FIPS011
State FIPS34
Time Zone5
Day Light SavingY
MSA6162
PMSA8760
CSA428
CBSA47220
CBSA_DIV
CBSA_TypeMetro
CBSA_NameVineland, NJ
MSA_NamePhiladelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA
PMSA_NameVineland-Millville-Bridgeton, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses0
Number Of Employees0
Business First Quarter Payroll0
Business Annual Payroll0
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population156898
CBSA Division Population0
Congressional District02
Congressional LandArea2092.43
Delivery Residential78
Delivery Business3
Delivery Total117
Preferred Last Line KeyV10328
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyV10328
Land Area12.194000
Water Area0.240000
City Alias Code
City Mixed CaseDelmont
City Alias Mixed CaseDelmont
Box Count33
SFDU78
MFDU0
State ANSI34
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number332100
Unique ZIP Name
SSA State County Code31190
Medicare CBSA Code47220
Medicare CBSA NameVineland-Bridgeton, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseCumberland

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 […]