Homeowner Insurance Costs in Cape May County, NJ

How much does homeowner insurance cost in Cape May County? Here's what to expect.

Est. Annual Premium

$2,048

Monthly Cost

$171

Median Home Value

$372,300

% of Income

2.4%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$372,300
Personal Property (C)$186,150
Liability (E)$300,000
Deductible$3,723

Cost Context

Homeownership Rate78.4%
Median Income$83,870
Property Tax Rate1.4%
Population95,456

About Insurance in Cape May County

Homeowner insurance in Cape May County, New Jersey costs an estimated $2,048 per year for a median-value home of $372,300. This represents approximately 2.4% of the median household income of $83,870.

Actual premiums depend on your home's age, construction type, claims history, credit score, proximity to fire stations, and specific peril exposures. Use our calculator for a personalized total cost of risk analysis with peril-by-peril breakdown.

Calculate Your True Insurance Cost

Get a peril-by-peril risk analysis, coverage optimization, and premium comparison. Find out if you're over-insured, under-insured, or paying too much.

Start Free Analysis

Other Counties in New Jersey

County-level data from U.S. Census Bureau American Community Survey (ACS) 2022 5-Year Estimates. Additional sources: Insurance Information Institute, state insurance departments. Estimates are county-level approximations. This is not insurance advice.