Homeowner Insurance Costs in Orange County, NC

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

Est. Annual Premium

$2,176

Monthly Cost

$181

Median Home Value

$395,600

% of Income

2.5%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$395,600
Personal Property (C)$197,800
Liability (E)$300,000
Deductible$3,956

Cost Context

Homeownership Rate64.7%
Median Income$85,785
Property Tax Rate1.0%
Population145,919

About Insurance in Orange County

Homeowner insurance in Orange County, North Carolina costs an estimated $2,176 per year for a median-value home of $395,600. This represents approximately 2.5% of the median household income of $85,785.

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 North Carolina

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.