Homeowner Insurance Costs in Clarke County, VA

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

Est. Annual Premium

$2,731

Monthly Cost

$228

Median Home Value

$496,600

% of Income

2.5%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$496,600
Personal Property (C)$248,300
Liability (E)$300,000
Deductible$4,966

Cost Context

Homeownership Rate77.9%
Median Income$107,475
Property Tax Rate0.5%
Population14,882

About Insurance in Clarke County

Homeowner insurance in Clarke County, Virginia costs an estimated $2,731 per year for a median-value home of $496,600. This represents approximately 2.5% of the median household income of $107,475.

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 Virginia

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.