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If you live in the 08738 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Mantoloking have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our NJ licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 08738 and then compare quotes from a variety of nationwide insurance companies.

08738 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 08738 the average premium for homeowners coverage is $954 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 08738. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 08738 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Mantoloking, NJ home insurance quotes in your area.

08738 Home Insurance Average Premiums

Local 08738 homeowners insurance quotes comparison

$704 /yr.

Shows Zip Code: 08738 lowest rates with discounts applied on average.

For the 08738, 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)		$704 /yr.
Average Coverage:$954 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1254 /yr.

What is the average home insurance cost for a home in 08738?

  • • The average homeowners insurance premium paid annually for a home in 08738 is around $954 per year.

What does it cost on average per month for home insurance in 08738?

  • • Homeowners in 08738 pay a monthly average cost per month around $80.00.

What kind of discount could I get if I combine my home and auto insurance together in 08738?

  • • Autoowners in 08738 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 Mantoloking area, check out other zip codes nearby 08738.
Review average rates in another zip code:
08738 homeowners insurance rates

Home Replacement Cost Coverage in 08738

Average Building Cost Per Square Foot in 08738: $193

Location: Mantoloking, New Jersey (Ocean County)

Average Square Footage in 08738: 6,357 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08738 before you start any project. Mantoloking 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 08738 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 08738 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 6,357 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 Mantoloking 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$1936,357$1,226,900
Additional Upgrades & Added Features$2416,357$1,533,625
Major Home Updates or Advancements$2906,357$1,840,350

It's important to understand that when you estimate your replacement cost of your home in the 08738 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 08738

Best Home & Auto Insurance Agencies in 08738

Housing Demographics for 08738

Population Review for 08738 Zip Code

For the city of Mantoloking, the population within 08738 has increased to over 2,580 residents in population size. The current population total is 979. We have broken down the population based on race below. In 08738, there are over 444 in male population and 535 females.

PopulationValues
Total Population979
White Population918
Black Population1
Hispanic Population35
Asian Population5
Hawaiian Population2
Indian Population1
Other Population1
Male Population444
Female Population535
Population Estimate2580

Household Data for 08738

The average number of homes in 08738 is around 478, there are an average of 2.04 per household. The average house value according to local real estate values is around $1,226,900. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode478
Persons Per Household2.04
Average House Value$1,226,900
Income Per Household$153636
Median Age62.8
Median Age Male61.8
Median Age Female63.5
08738 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code732/848
CityMantoloking
City Alias NameMANTOLOKING
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 Businesses23
Number Of Employees46
Business First Quarter Payroll446
Business Annual Payroll2992
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 Residential1265
Delivery Business4
Delivery Total1581
Preferred Last Line KeyV10833
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV10833
Land Area0.975000
Water Area2.417000
City Alias Code
City Mixed CaseMantoloking
City Alias Mixed CaseMantoloking
Box Count76
SFDU1246
MFDU0
State ANSI34
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number334785
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

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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 […]