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08515 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 08515 zip code it's important to know that our rates are very competitive for homeowners living in Chesterfield, NJ. Many homeowners based out of your 08515 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our New Jersey licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 08515 should appear in the zip code field ready to go. For Chesterfield, NJ Homeowners Insurance Quotes nearby, we offer the best rates and service.

08515: Average Home Insurance Rates

For homeowners living in the great city of Chesterfield, the average homeowners policy is considered high in comparison to other states. New Jersey premiums are estimated to be around $897 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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08515 Home Insurance Average Premiums

Local 08515 homeowners insurance quotes comparison

$647 /yr.

Shows Zip Code: 08515 lowest rates with discounts applied on average.

For the 08515, 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)
$647 /yr.
Average Coverage:$897 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1197 /yr.

What is the average home insurance cost for a home in 08515?

  • • The average homeowners insurance premium paid annually for a home in 08515 is around $897 per year.

What does it cost on average per month for home insurance in 08515?

  • • Homeowners in 08515 pay a monthly average cost per month around $75.00.

What kind of discount could I get if I combine my home and auto insurance together in 08515?

  • • Autoowners in 08515 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 Chesterfield area, check out other zip codes nearby 08515.
Review average rates in another zip code:
08515 homeowners insurance rates

Home Replacement Cost Coverage in 08515

Average Building Cost Per Square Foot in 08515: $193

Location: Chesterfield, New Jersey (Burlington County)

Average Square Footage in 08515: 2,391 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08515 before you start any project. Chesterfield 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 08515 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 08515 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,391 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 Chesterfield 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$1932,391$461,400
Additional Upgrades & Added Features$2412,391$576,750
Major Home Updates or Advancements$2902,391$692,100

It's important to understand that when you estimate your replacement cost of your home in the 08515 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 08515

Best Home & Auto Insurance Agencies in 08515

Housing Demographics for 08515

Population Review for 08515 Zip Code

For the city of Chesterfield, the population within 08515 has increased to over 6,240 residents in population size. The current population total is 6,344. We have broken down the population based on race below. In 08515, there are over 3114 in male population and 3230 females.

PopulationValues
Total Population6,344
White Population4054
Black Population284
Hispanic Population350
Asian Population1505
Hawaiian Population0
Indian Population18
Other Population105
Male Population3114
Female Population3230
Population Estimate6240

Household Data for 08515

The average number of homes in 08515 is around 2,008, there are an average of 3.15 per household. The average house value according to local real estate values is around $461,400. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,008
Persons Per Household3.15
Average House Value$461,400
Income Per Household$160781
Median Age39.0
Median Age Male39.2
Median Age Female38.8
08515 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeN
City Alias Abbreviation
Area Code609/640
CityChesterfield
City Alias NameCHESTERFIELD
CountyBurlington
County FIPS005
State FIPS34
Time Zone5
Day Light SavingY
MSA6162
PMSA6160
CSA428
CBSA37980
CBSA_DIV15804
CBSA_TypeMetro
CBSA_NamePhiladelphia-Camden-Wilmington, PA-NJ-DE-MD
MSA_NamePhiladelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA
PMSA_NamePhiladelphia, PA-NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses107
Number Of Employees472
Business First Quarter Payroll5328
Business Annual Payroll27282
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population5965343
CBSA Division Population1250679
Congressional District03
Congressional LandArea899.7
Delivery Residential1981
Delivery Business54
Delivery Total2300
Preferred Last Line KeyV10251
Classification Code
Multi-CountyY
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_NameCamden, NJ
City State KeyV10251
Land Area21.170000
Water Area0.143000
City Alias Code
City Mixed CaseChesterfield
City Alias Mixed CaseChesterfield
Box Count213
SFDU1918
MFDU0
State ANSI34
County ANSI005
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number331950
Unique ZIP Name
SSA State County Code31150
Medicare CBSA Code15804
Medicare CBSA NameCamden, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseBurlington

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 […]