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If you live in the 08827 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Hampton 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 08827 and then compare quotes from a variety of nationwide insurance companies.

08827 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 08827 the average premium for homeowners coverage is $1030 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 08827. 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 08827 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 Hampton, NJ home insurance quotes in your area.

08827 Home Insurance Average Premiums

Local 08827 homeowners insurance quotes comparison

$780 /yr.

Shows Zip Code: 08827 lowest rates with discounts applied on average.

For the 08827, 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)		$780 /yr.
Average Coverage:$1030 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1330 /yr.

What is the average home insurance cost for a home in 08827?

  • • The average homeowners insurance premium paid annually for a home in 08827 is around $1030 per year.

What does it cost on average per month for home insurance in 08827?

  • • Homeowners in 08827 pay a monthly average cost per month around $86.00.

What kind of discount could I get if I combine my home and auto insurance together in 08827?

  • • Autoowners in 08827 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 Hampton area, check out other zip codes nearby 08827.
Review average rates in another zip code:
08827 homeowners insurance rates

Home Replacement Cost Coverage in 08827

Average Building Cost Per Square Foot in 08827: $193

Location: Hampton, New Jersey (Hunterdon County)

Average Square Footage in 08827: 1,963 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08827 before you start any project. Hampton 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 08827 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 08827 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,963 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 Hampton 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$1931,963$378,800
Additional Upgrades & Added Features$2411,963$473,500
Major Home Updates or Advancements$2901,963$568,200

It's important to understand that when you estimate your replacement cost of your home in the 08827 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 08827

Best Home & Auto Insurance Agencies in 08827

Housing Demographics for 08827

Population Review for 08827 Zip Code

For the city of Hampton, the population within 08827 has increased to over 4,475 residents in population size. The current population total is 4,531. We have broken down the population based on race below. In 08827, there are over 2163 in male population and 2368 females.

PopulationValues
Total Population4,531
White Population3928
Black Population79
Hispanic Population334
Asian Population115
Hawaiian Population2
Indian Population4
Other Population77
Male Population2163
Female Population2368
Population Estimate4475

Household Data for 08827

The average number of homes in 08827 is around 1,711, there are an average of 2.65 per household. The average house value according to local real estate values is around $378,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode1,711
Persons Per Household2.65
Average House Value$378,800
Income Per Household$111793
Median Age46.3
Median Age Male45.3
Median Age Female47.4
08827 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code908
CityHampton
City Alias NameHAMPTON
CountyHunterdon
County FIPS019
State FIPS34
Time Zone5
Day Light SavingY
MSA5602
PMSA5015
CSA408
CBSA35620
CBSA_DIV35084
CBSA_TypeMetro
CBSA_NameNew York-Newark-Jersey City, NY-NJ
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameMiddlesex-Somerset-Hunterdon, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses123
Number Of Employees1810
Business First Quarter Payroll42709
Business Annual Payroll192154
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 Population2090358
Congressional District07
Congressional LandArea970.19
Delivery Residential1689
Delivery Business111
Delivery Total2343
Preferred Last Line KeyV10603
Classification Code
Multi-CountyY
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameNewark, NJ
City State KeyV10603
Land Area18.097000
Water Area0.112000
City Alias Code
City Mixed CaseHampton
City Alias Mixed CaseHampton
Box Count132
SFDU1620
MFDU0
State ANSI34
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number333360
Unique ZIP Name
SSA State County Code31250
Medicare CBSA Code35084
Medicare CBSA NameNewark, NJ-PA
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseHunterdon

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 […]