Homeowner Insurance Costs in Island County, WA

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

Est. Annual Premium

$2,644

Monthly Cost

$220

Median Home Value

$480,800

% of Income

3.2%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$480,800
Personal Property (C)$240,400
Liability (E)$300,000
Deductible$4,808

Cost Context

Homeownership Rate73.8%
Median Income$82,850
Property Tax Rate0.7%
Population86,510

About Insurance in Island County

Homeowner insurance in Island County, Washington costs an estimated $2,644 per year for a median-value home of $480,800. This represents approximately 3.2% of the median household income of $82,850.

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 Washington

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.