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If you live in the 08403 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Longport 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 08403 and then compare quotes from a variety of nationwide insurance companies.

08403 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 08403 the average premium for homeowners coverage is $913 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 08403. 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 08403 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 Longport, NJ home insurance quotes in your area.

08403 Home Insurance Average Premiums

Local 08403 homeowners insurance quotes comparison

$663 /yr.

Shows Zip Code: 08403 lowest rates with discounts applied on average.

For the 08403, 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)		$663 /yr.
Average Coverage:$913 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1213 /yr.

What is the average home insurance cost for a home in 08403?

  • • The average homeowners insurance premium paid annually for a home in 08403 is around $913 per year.

What does it cost on average per month for home insurance in 08403?

  • • Homeowners in 08403 pay a monthly average cost per month around $76.00.

What kind of discount could I get if I combine my home and auto insurance together in 08403?

  • • Autoowners in 08403 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 Longport area, check out other zip codes nearby 08403.
Review average rates in another zip code:
08403 homeowners insurance rates

Home Replacement Cost Coverage in 08403

Average Building Cost Per Square Foot in 08403: $193

Location: Longport, New Jersey (Atlantic County)

Average Square Footage in 08403: 4,056 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08403 before you start any project. Longport 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 08403 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 08403 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 4,056 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 Longport 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$1934,056$782,800
Additional Upgrades & Added Features$2414,056$978,500
Major Home Updates or Advancements$2904,056$1,174,200

It's important to understand that when you estimate your replacement cost of your home in the 08403 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 08403

Best Home & Auto Insurance Agencies in 08403

Housing Demographics for 08403

Population Review for 08403 Zip Code

For the city of Longport, the population within 08403 has increased to over 3,328 residents in population size. The current population total is 967. We have broken down the population based on race below. In 08403, there are over 450 in male population and 517 females.

PopulationValues
Total Population967
White Population937
Black Population5
Hispanic Population14
Asian Population4
Hawaiian Population0
Indian Population0
Other Population3
Male Population450
Female Population517
Population Estimate3328

Household Data for 08403

The average number of homes in 08403 is around 483, there are an average of 2.00 per household. The average house value according to local real estate values is around $782,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode483
Persons Per Household2.00
Average House Value$782,800
Income Per Household$105385
Median Age60.9
Median Age Male61.1
Median Age Female60.8
08403 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeB
City Alias Abbreviation
Area Code609/640
CityLongport
City Alias NameLONGPORT
CountyAtlantic
County FIPS001
State FIPS34
Time Zone5
Day Light SavingY
MSA6162
PMSA0560
CSA428
CBSA12100
CBSA_DIV
CBSA_TypeMetro
CBSA_NameAtlantic City-Hammonton, NJ
MSA_NamePhiladelphia-Wilmington-Atlantic City, PA-NJ-DE-MD CMSA
PMSA_NameAtlantic-Cape May, NJ PMSA
RegionNortheast
DivisionMiddle Atlantic
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses20
Number Of Employees56
Business First Quarter Payroll689
Business Annual Payroll3412
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population274549
CBSA Division Population0
Congressional District02
Congressional LandArea2092.43
Delivery Residential1664
Delivery Business11
Delivery Total1841
Preferred Last Line KeyV10805
Classification Code
Multi-County
CSA NamePhiladelphia-Reading-Camden, PA-NJ-DE-MD
CBSA_DIV_Name
City State KeyV10805
Land Area2.107000
Water Area2.637000
City Alias Code
City Mixed CaseLongport
City Alias Mixed CaseLongport
Box Count19
SFDU1291
MFDU329
State ANSI34
County ANSI001
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number330300
Unique ZIP Name
SSA State County Code31000
Medicare CBSA Code12100
Medicare CBSA NameAtlantic City-Hammonton, NJ
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseAtlantic

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

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