Homeowner Insurance Costs in Fredericksburg city, VA

How much does homeowner insurance cost in Fredericksburg city? Here's what to expect.

Est. Annual Premium

$2,411

Monthly Cost

$201

Median Home Value

$438,400

% of Income

2.9%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$438,400
Personal Property (C)$219,200
Liability (E)$300,000
Deductible$4,384

Cost Context

Homeownership Rate38.5%
Median Income$83,445
Property Tax Rate0.6%
Population28,258

About Insurance in Fredericksburg city

Homeowner insurance in Fredericksburg city, Virginia costs an estimated $2,411 per year for a median-value home of $438,400. This represents approximately 2.9% of the median household income of $83,445.

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.