Landlord Insurance in Camden.
Older rental stock, a rent control office, and an inspection before every re-let.
Landlord insurance in Camden starts with the age of the stock: on the 2020–2024 American Community Survey five-year estimates, 37.6% of the city's housing units were built in 1939 or earlier. NJ Landlord Center, a Friedlander Associates agency based in Flemington, New Jersey and licensed in all 21 counties, quotes landlord property insurance for Camden rental owners.
- Population
- 71,496 (ACS 2020–2024 five-year estimates)
- Rental units
- 16,025 renter-occupied, 65.6% of occupied units (ACS 2020–2024 five-year estimates)
- Built 1939 or earlier
- 10,264 units, 37.6% of all housing units (ACS 2020–2024 five-year estimates)
- Rent regulation
- Bureau of Rent Control; applies to 1+ units (NJ DCA 2026 Rent Control Survey)
- Turnover inspection
- Certificate of rental approval before re-letting; occupancy permit under § 620-39A
- Flood
- NFIP participating community, CID 340128C (FEMA Community Status Book, 09/15/2026)
- What we write here
- Dwelling fire, general liability, loss of rents, umbrella, ordinance or law, flood.
- Phone
- 908-824-0948
The age of Camden's rental stock and the cost of putting it back
On the 2020–2024 American Community Survey five-year estimates, 10,264 of Camden's 27,292 housing units — 37.6% — were built in 1939 or earlier. Restoring one after a loss is done to current code, and that gap is what ordinance or law pays.
The city codifies its own lead-safe rule: § 450-26 of Chapter 450, Housing Standards, amended in its entirety 12-9-2025 by Ord. No. MC-5605, reaches "each tenant-occupied residential building constructed before 1978."
Flood in Camden
Camden is an NFIP participating community, CID 340128C (FEMA Community Status Book, 09/15/2026), and § 870-258B of the city code records that it "was accepted for participation in the National Flood Insurance Program on December 01, 1981."
Section 870-258B(2)(a), amended 7-11-2023 by Ord. No. MC-5456, adopts by reference the "Flood Insurance Study, Camden County, New Jersey (All Jurisdictions)," dated August 17, 2016. Flood is not on a property form; it is bought separately.
Rent regulation and registration in Camden
The NJ DCA 2026 Rent Control Survey records a rent control ordinance for Camden. Section 650-2A of Chapter 650, amended 2-10-2026 by Ord. No. MC-5610, caps an increase at lease expiration at the lesser of the preceding 12 months' Philadelphia metropolitan area consumer price index and 6% of the most recent rent.
Section 650-26 requires every rental dwelling unit to be registered annually with the Office of Rent Control at $50 per unit, and that ceiling is what loss of rents is sized against.
Vacant property in Camden
Chapter 615, Property, Vacant and Abandoned, Article II, amended in its entirety 5-10-2022 by Ord. No. MC-5383, puts insurance in the ordinance: § 615-9C(5)(d) requires a creditor to "acquire and maintain a vacancy insurance policy" once a registered property becomes vacant and abandoned.
Registration is $500 a year per property, and $2,000 more where it is vacant and abandoned (§ 615-10B and C). A dwelling fire policy is written for an occupied building — tell us before a unit empties.
Landlord insurance coverage for Camden rentals
Ordinance or law and dwelling fire answer for stock of that age; loss of rents for the ceiling above.
Older urban multifamily carries carrier-appetite considerations. We place a Camden building on its construction, condition and loss history — not where it sits.
Own rental property elsewhere in the county? See landlord insurance in Camden County.
Camden landlord insurance questions: coverage and quotes
What does ordinance-or-law coverage do for an older Camden building?
It pays what the code adds to a rebuild. On the 2020–2024 American Community Survey five-year estimates, 37.6% of Camden's housing units were built in 1939 or earlier, and a building that old is rarely put back as it stood. Ordinance or law answers for the increased cost of construction and the undamaged portion that must come down.
Do I need flood insurance on a Camden rental?
Not every address does, but no landlord property policy includes it, so it is a separate decision. Camden participates in the National Flood Insurance Program as CID 340128C on the FEMA Community Status Book dated 09/15/2026, and the draft City of Camden annex to the Camden County Hazard Mitigation Plan, dated 08/27/2021, names the Delaware and Cooper Rivers.
What happens to my coverage when a Camden unit sits vacant?
Tell us before it empties. A landlord policy is written for an occupied building, and the form treats one standing vacant beyond a stated period differently, so the change belongs on the policy. The city prices vacancy too: § 620-22E of the Property Maintenance Code sets an annual fee of $35 per unit to own a vacant building.
What do you need from me to quote a Camden rental?
The address, the unit count, the year built, the construction type, the current or requested limits, and the loss history. It helps to say whether the units are registered with the Office of Rent Control under § 650-26 and whether a certificate of rental approval is in hand, since both sit on the building's file. Call 908-824-0948.
Landlord insurance in other NJ cities
Also quoting Honeycomb Insurance for NJ rental houses, 2–4 unit homes and apartment buildings. See the Honeycomb programs →
How to get a landlord insurance quote in Camden. We'll write it.
Send the address and unit count. Most quotes back within 24–48 hours.
About the agency
NJ Landlord Center is a Friedlander Associates agency based in Flemington, New Jersey, licensed in New Jersey and serving all 21 counties. NJ Insurance Producer License 9725274 · NPN 5735331 · 908-824-0948.
We write landlord insurance in Camden from our Flemington office and quote the whole state.
Local references: NJ DCA Landlord-Tenant Information · FEMA Flood Map Service Center