Homeowner Insurance Costs in Frederick County, VA

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

Est. Annual Premium

$1,835

Monthly Cost

$153

Median Home Value

$333,600

% of Income

2%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$333,600
Personal Property (C)$166,800
Liability (E)$300,000
Deductible$3,336

Cost Context

Homeownership Rate77.5%
Median Income$92,443
Property Tax Rate0.5%
Population92,007

About Insurance in Frederick County

Homeowner insurance in Frederick County, Virginia costs an estimated $1,835 per year for a median-value home of $333,600. This represents approximately 2% of the median household income of $92,443.

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 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.