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Are you paying too much for homeowners insurance in 08321? If the answer is yes, you are not alone. Luckily, we can help you find a great policy in Fortescue, NJ that provides all of the protection you need at a price that is affordable.
Our service doesn’t end with sending you quotes from 12 of the nations top insurance companies, our New Jersey licensed agents will also advise you on every step of the process. They can review your coverage levels to make sure you are fully protected, answer any questions you have and perform a discount review.
Discounts are a major factor when shopping for insurance and can dramatically reduce your costs. Most insurers offer a variety of homeowners insurance discounts but here are few of the most common discounts in 08321?
- Bundling: Buying home, auto and life from one insurer will result in a big discount. Details vary but expect savings of up to 25 percent.
- Security System: Have a security system in your home or are installing one? You should qualify for a discount. Notify your insurer and ask for a home security system discount.
- Paperless Policy: Getting your policy and bills via email instead of in the mail reduces cost for your insurer and they pass some of the savings on to you.
Our service is always free so get started today. Free 08321 home insurance quotes are just a click away. Simply click the "Get Multiple Quotes Now" button, verify your 08321 and get ready to save.
3 Easy Ways To Save Money In 08321
These three links will help you explore home insurance quotes in 08321 zip code as well as provide data about the average cost of a policy in your particular area. This information can be used to verify you are getting a great price on your new policy.
Get Your 08321 Home Insurance Costs Rated: high!
The average price for a homeowners insurance policy in Fortescue is roughly $979. This average is for a standard HO-3 policy, which is the industry standard for a single family home. While an HO-3 policy will protect your home and possessions while also offering liability coverage, it does not protect against flood or earthquake damage.
If you live in a flood zone, a separate flood insurance policy will be required. Our quoting process, combined with our agents local knowledge ensures that you will have the protection you need for your home.
08321 Home Insurance Average Premiums
$729 /yr.
Shows Zip Code: 08321 lowest rates with discounts applied on average.
For the 08321, 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) | $729 /yr. |
| Average Coverage: | $979 /yr. |
| 2600 sq. ft. or higher (all discounts applied) | $1279 /yr. |
What is the average home insurance cost for a home in 08321?
- • The average homeowners insurance premium paid annually for a home in 08321 is around $979 per year.
What does it cost on average per month for home insurance in 08321?
- • Homeowners in 08321 pay a monthly average cost per month around $82.00.
What kind of discount could I get if I combine my home and auto insurance together in 08321?
- • Autoowners in 08321 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 Fortescue area, check out other zip codes nearby 08321.
Review average rates in another zip code:
08321 homeowners insurance rates
Home Replacement Cost Coverage in 08321
Average Building Cost Per Square Foot in 08321: $193
Location: Fortescue, New Jersey (Cumberland County)Average Square Footage in 08321: 1,088 Sq. Ft.
When building or updating a home, it's always good to review the average cost per square foot to build in 08321 before you start any project. Fortescue 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 08321 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 08321 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,088 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 Fortescue 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 | 1,088 | $210,000 |
| Additional Upgrades & Added Features | $241 | 1,088 | $262,500 |
| Major Home Updates or Advancements | $290 | 1,088 | $315,000 |
It's important to understand that when you estimate your replacement cost of your home in the 08321 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 08321
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Housing Demographics for 08321
Population Review for 08321 Zip Code
For the city of Fortescue, the population within 08321 has increased to over 0 residents in population size. The current population total is 189. We have broken down the population based on race below. In 08321, there are over 105 in male population and 84 females.
| Population | Values |
|---|---|
| Total Population | 189 |
| White Population | 167 |
| Black Population | 0 |
| Hispanic Population | 7 |
| Asian Population | 0 |
| Hawaiian Population | 0 |
| Indian Population | 1 |
| Other Population | 3 |
| Male Population | 105 |
| Female Population | 84 |
| Population Estimate | 0 |
Household Data for 08321
The average number of homes in 08321 is around 106, there are an average of 1.78 per household. The average house value according to local real estate values is around $210,000. Please review the following demographics below for average income and media age.
| Housing / Income Data | Values |
|---|---|
| Households Per Zipcode | 106 |
| Persons Per Household | 1.78 |
| Average House Value | $210,000 |
| Income Per Household | $34444 |
| Median Age | 57.6 |
| Median Age Male | 56.5 |
| Median Age Female | 59.3 |
| 08321 Details | Values |
|---|---|
| State | NJ |
| State Full Name | New Jersey |
| City Type | Z |
| City Alias Abbreviation | |
| Area Code | 856 |
| City | Fortescue |
| City Alias Name | FORTESCUE |
| County | Cumberland |
| County FIPS | 011 |
| State FIPS | 34 |
| Time Zone | 5 |
| Day Light Saving | Y |
| MSA | 6162 |
| PMSA | 8760 |
| CSA | 428 |
| CBSA | 47220 |
| CBSA_DIV | |
| CBSA_Type | Metro |
| CBSA_Name | Vineland, NJ |
| MSA_Name | Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA |
| PMSA_Name | Vineland-Millville-Bridgeton, NJ PMSA |
| Region | Northeast |
| Division | Middle Atlantic |
| MailingName | Y |
| Economic & Growth Review | Values |
|---|---|
| Number Of Businesses | 4 |
| Number Of Employees | 7 |
| Business First Quarter Payroll | 22 |
| Business Annual Payroll | 179 |
| 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 | 156898 |
| CBSA Division Population | 0 |
| Congressional District | 02 |
| Congressional LandArea | 2092.43 |
| Delivery Residential | 0 |
| Delivery Business | 0 |
| Delivery Total | 184 |
| Preferred Last Line Key | V10496 |
| Classification Code | P |
| Multi-County | |
| CSA Name | Philadelphia-Reading-Camden, PA-NJ-DE-MD |
| CBSA_DIV_Name | |
| City State Key | V10496 |
| Land Area | 8.843000 |
| Water Area | 1.576000 |
| City Alias Code | |
| City Mixed Case | Fortescue |
| City Alias Mixed Case | Fortescue |
| Box Count | 177 |
| SFDU | 0 |
| MFDU | 0 |
| State ANSI | 34 |
| County ANSI | 011 |
| ZIP Intro | |
| Alias Intro | |
| Facility Code | P |
| City Delivery Indicator | N |
| Carrier Route Rate Sortation | C |
| Finance Number | 332730 |
| Unique ZIP Name | |
| SSA State County Code | 31190 |
| Medicare CBSA Code | 47220 |
| Medicare CBSA Name | Vineland-Bridgeton, NJ |
| Medicare CBSA Type | Metro |
| Market Rating Area ID | 1 |
| County Mixed Case | Cumberland |
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 […]