Homeowner Insurance Costs in Barnstable County, MA

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

Est. Annual Premium

$2,855

Monthly Cost

$238

Median Home Value

$519,100

% of Income

3.2%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$519,100
Personal Property (C)$259,550
Liability (E)$300,000
Deductible$5,191

Cost Context

Homeownership Rate81.4%
Median Income$90,447
Property Tax Rate0.8%
Population229,436

About Insurance in Barnstable County

Homeowner insurance in Barnstable County, Massachusetts costs an estimated $2,855 per year for a median-value home of $519,100. This represents approximately 3.2% of the median household income of $90,447.

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.

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Other Counties in Massachusetts

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.