Homeowner Insurance Costs in Madison County, VA

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

Est. Annual Premium

$1,713

Monthly Cost

$143

Median Home Value

$311,500

% of Income

2.3%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$311,500
Personal Property (C)$155,750
Liability (E)$300,000
Deductible$3,115

Cost Context

Homeownership Rate79.2%
Median Income$74,586
Property Tax Rate0.6%
Population13,828

About Insurance in Madison County

Homeowner insurance in Madison County, Virginia costs an estimated $1,713 per year for a median-value home of $311,500. This represents approximately 2.3% of the median household income of $74,586.

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.