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Homeowners Insurance in 08753

Getting the most affordable home insurance rates in 08753 just got easier for Toms River, NJ home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Toms River. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Toms River, NJ Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 08753

When discussing New Jersey homeowners insurance rates, Toms River residents are finding new ways to save time and money by discovering lower rates when they shop online. New Jersey may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 22. Residents that live within the 08753 zipcode are currently paying $967 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Toms River does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

08753 Home Insurance Average Premiums

Local 08753 homeowners insurance quotes comparison

$717 /yr.

Shows Zip Code: 08753 lowest rates with discounts applied on average.

For the 08753, 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)
$717 /yr.
Average Coverage:$967 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1267 /yr.

What is the average home insurance cost for a home in 08753?

  • • The average homeowners insurance premium paid annually for a home in 08753 is around $967 per year.

What does it cost on average per month for home insurance in 08753?

  • • Homeowners in 08753 pay a monthly average cost per month around $81.00.

What kind of discount could I get if I combine my home and auto insurance together in 08753?

  • • Autoowners in 08753 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 Toms River area, check out other zip codes nearby 08753.
Review average rates in another zip code:
08757 homeowners insurance rates
08753 homeowners insurance rates
08755 homeowners insurance rates

Home Replacement Cost Coverage in 08753

Average Building Cost Per Square Foot in 08753: $193

Location: Toms River, New Jersey (Ocean County)

Average Square Footage in 08753: 1,612 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 08753 before you start any project. Toms River 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 08753 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 08753 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,612 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 Toms River 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$1931,612$311,100
Additional Upgrades & Added Features$2411,612$388,875
Major Home Updates or Advancements$2901,612$466,650

It's important to understand that when you estimate your replacement cost of your home in the 08753 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 08753

Fantozzi Agency

Address: 70 East Water Street Suite 4B Toms River, NJ 08753
Phone: (732)818-0343
Website:

Allstate Insurance -Calvin Fenn

Address: 226 Oak Ave Toms River, NJ 08753
Phone: (732)240-5050
Website: www.allstatetoolkit.com/clicks_rate.asp?MB_ID=13839

Allstate Insurance - Alan J. Wasielewski

Address: 1258A Rt 166 Toms River, NJ 08753
Phone: (732)557-6200
Website:

F Mesanko & Son Insurance

Address: 121 Washington Street Suite 1 Toms River, NJ 08753
Phone: (732)505-0057
Website: www.mesanko.com

Best Home & Auto Insurance Agencies in 08753

American Eagle Insurance Agency Inc

Address: 28 Robbins St Toms River, NJ 08753
Phone:
Website:
Info:

Meehan- Stephen - State Farm Insurance Agent

Address: 226 Route 37 E Toms River, NJ 08753
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance -Calvin Fenn

Address: 226 Oak Ave Toms River, NJ 08753
Phone:
Website: http://www.allstatetoolkit.com/clicks_rate.asp?MB_ID=13839
Info:

Miller- Thomas M - State Farm Insurance Agent

Address: 239 Route 37 E Toms River, NJ 08753
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate New Jersey Insurance Company - N Hatami

Address: 1520 Route 37 E Toms River, NJ 08753
Phone:
Website: http://www.allstateagencies.com/017514?cid=OTC-YP.com-IYP&att=TL
Info:

Housing Demographics for 08753

Population Review for 08753 Zip Code

For the city of Toms River, the population within 08753 has increased to over 67,215 residents in population size. The current population total is 64,369. We have broken down the population based on race below. In 08753, there are over 31332 in male population and 33037 females.

PopulationValues
Total Population64,369
White Population51770
Black Population1922
Hispanic Population8208
Asian Population2196
Hawaiian Population9
Indian Population289
Other Population2918
Male Population31332
Female Population33037
Population Estimate67215

Household Data for 08753

The average number of homes in 08753 is around 24,399, there are an average of 2.61 per household. The average house value according to local real estate values is around $311,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode24,399
Persons Per Household2.61
Average House Value$311,100
Income Per Household$90034
Median Age42.2
Median Age Male40.6
Median Age Female43.9
08753 DetailsValues
StateNJ
State Full NameNew Jersey
City TypeP
City Alias Abbreviation
Area Code732/848/908
CityToms River
City Alias NameTOMS RIVER
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 Businesses1760
Number Of Employees16981
Business First Quarter Payroll169680
Business Annual Payroll764366
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 Residential25753
Delivery Business1628
Delivery Total27349
Preferred Last Line KeyV11560
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_NameLakewood-New Brunswick, NJ
City State KeyV11560
Land Area23.049000
Water Area7.723000
City Alias Code
City Mixed CaseToms River
City Alias Mixed CaseToms River
Box Count0
SFDU22277
MFDU311
State ANSI34
County ANSI029
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number338475
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 […]