Get multiple home insurance quotes in 08722. Our licensed 08722, NJ agents are ready to serve you.

Compare 08722 Home Insurance Rates

Are you looking to easily compare home insurance prices online for your home in the 08722 area? The average homeowners premium in New Jersey for a standard homeowners policy is around $948/yr., paid annually through your mortgage provider if your home is not currently paid in full. A standard policy for your home is referred to as an HO-3 policy which is the most common homeowners policy. This type of policy covers all perils, but will exclude certain major perils like flood and earthquake damage. The exceptions are listed on your current policy so it is important to know what type of coverage you currently have so you can compare the best home insurance rates, companies and policy protection. In the 08722 zip code, the population size is around 10,859 with 3,719 currently occupied homeowners. Our online quoting process helps make it easy for you to shop and compare the best home insurance rates for your home in 08722.

Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes. Easily shop the best rates for Beachwood, NJ Homeowners Insurance. Compare companies, quotes, coverages and more.

Avg. NJ RateDiscountsSavingsShop Rates
$1,277up to 40% off$511

08722 Home Insurance Average Premiums

Local 08722 homeowners insurance quotes comparison

$698 /yr.

Shows Zip Code: 08722 lowest rates with discounts applied on average.

For the 08722, 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)		$698 /yr.
Average Coverage:$948 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1248 /yr.

What is the average home insurance cost for a home in 08722?

  • • The average homeowners insurance premium paid annually for a home in 08722 is around $948 per year.

What does it cost on average per month for home insurance in 08722?

  • • Homeowners in 08722 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 08722?

  • • Autoowners in 08722 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 Beachwood area, check out other zip codes nearby 08722.
Review average rates in another zip code:
08722 homeowners insurance rates

Home Replacement Cost Coverage in 08722

Average Building Cost Per Square Foot in 08722: $193

Location: Beachwood, New Jersey (Ocean County)

Average Square Footage in 08722: 1,264 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08722 before you start any project. Beachwood 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 08722 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 08722 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,264 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 Beachwood 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$1931,264$243,900
Additional Upgrades & Added Features$2411,264$304,875
Major Home Updates or Advancements$2901,264$365,850

It's important to understand that when you estimate your replacement cost of your home in the 08722 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 08722

Best Home & Auto Insurance Agencies in 08722

A & L Insurance

Address: 717 Atlantic City Blvd Beachwood, NJ 08722
Phone:
Website:
Info:

Housing Demographics for 08722

Population Review for 08722 Zip Code

For the city of Beachwood, the population within 08722 has increased to over 11,253 residents in population size. The current population total is 10,859. We have broken down the population based on race below. In 08722, there are over 5362 in male population and 5497 females.

PopulationValues
Total Population10,859
White Population9100
Black Population272
Hispanic Population1290
Asian Population150
Hawaiian Population2
Indian Population28
Other Population462
Male Population5362
Female Population5497
Population Estimate11253

Household Data for 08722

The average number of homes in 08722 is around 3,719, there are an average of 2.92 per household. The average house value according to local real estate values is around $243,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode3,719
Persons Per Household2.92
Average House Value$243,900
Income Per Household$88940
Median Age38.2
Median Age Male36.9
Median Age Female39.5
08722 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code609
CityBeachwood
City Alias NameBEACHWOOD
CountyOcean
County FIPS029
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5190
CSA408
CBSA35620
CBSA_DIV29484
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameMonmouth-Ocean, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses110
Number Of Employees588
Business First Quarter Payroll4667
Business Annual Payroll21017
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population18897109
CBSA Division Population2340249
Congressional District04
Congressional LandArea691.88
Delivery Residential3854
Delivery Business113
Delivery Total5027
Preferred Last Line KeyV10092
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV10092
Land Area2.763000
Water Area0.001000
City Alias Code
City Mixed CaseBeachwood
City Alias Mixed CaseBeachwood
Box Count92
SFDU3853
MFDU0
State ANSI34
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number330570
Unique ZIP Name
SSA State County Code31310
Medicare CBSA Code35154
Medicare CBSA NameNew Brunswick-Lakewood, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseOcean

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 […]