Warrenton Insurance Rates:

Warrenton, VA home insurance is approximately $643 to $883, about $53-$73/month. Our in depth research indicates shoppers can save upto $305 by getting multiple quotes

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Warrenton Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1740/12 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $535,000

4 Beds, 4 Bath 3310 sqft Seasonal Residence Constructed In 2010 with Carpet over wood flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

34 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $750/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Bath 1740 sqft Rental Property Constructed In 1942 with Wood Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Married Female who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $130/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $520,000

5 Beds, 5 Baths 3250 sqft Vacation Property Constructed In 2010 with Stone Flooring, Tile Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Married Female who is a Freelancer with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

Home Insurance Rate of $610/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Bath 1610 sqft Rental Property Constructed In 2001 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

65 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $330/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Bath 1590 sqft Primary Residence Constructed In 2010 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $790/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $400,000

3 Beds, 3 Bath 2370 sqft Primary Residence Constructed In 1940 with Linoleum, Metal Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $570/4 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $395,000

3 Beds, 3 Bath 2220 sqft Vacation Property Constructed In 1987 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

29 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $2140/12 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $435,000

5 Beds, 5 Baths 3270 sqft Rental Property Constructed In 2011 with Wood Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Divorced Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

3 Beds, 3 Baths 1950 sqft Seasonal Residence Constructed In 2013 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $770/3 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $665,000

5 Beds, 5 Baths 3760 sqft Primary Residence Constructed In 1994 with Carpet Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

Warrenton, VA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
20187 $388,000 $800
20186 $354,400 $780

Warrenton Rates & Quotes Analysis:

Warrenton Area Estimated House Insurance
Silver Ghost Ln, Copper Mill Dr, Autumn Wind Ct, N 6th St, Albemarle St, Movern Ln, Co Rd 1550, Taylor Rd, Constantine Ct, Devon Dr$786
N View Cir, Denning Ct, Old Catlett Rd, Quarterpole Ct, Blackwell Rd, Co Rd 747, Rockdale Ln, N Calhoun St, Rappahannock St, Mill House Ln$784
Green Meadows Rd, Hazelwood Ct, Old Meetze Rd, Alex Ct, Lunsford Rd, Secretariat Ct, Hunting Ln, Medlock Way, Blackwell Rd, Charity Ln$801
Mull Ct, Garden St, Co Rd 678, Fenton Farm Ln, Hunton St, Hidden Creek Ln, Sulgrove Rd, Sullivan St, Imagination Way, Oakwood Dr$775
Pigeon Hill Ln, Hesperides Dr, Old Waterloo Rd, Sire Way, Lower Waterloo Rd, Co Rd 842, E Shirley Ave, Liberty St, Forest Ct, Oak St$772

Insurance rates are influenced by a number of factors including:

  • Year Built: 741 Homes (18% of total homes ) built between 1980 to 1989 in Warrenton are paying home insurance between $1,140-$1,151. Places close to Warrenton, VA such as Center, Fauquier County, New Baltimore are more expensive by $13, $25, $38 respectively while Opal and Midland are cheaper by $10 and $24 respectively for similar homes.
  • Bedrooms: 756 4 bedrooms homes (19% of total homes ) in Warrenton are paying about $779. Areas near to Warrenton such as Center, Fauquier County, New Baltimore are costlier by $9, $17, $26 respectively whereas Opal and Bealeton are more economical by $6, $21 respectively for similar homes.
  • Auto Insurance Bundling: 566 Households (25% of all households) in Warrenton have 3 or more vehicles available and when it is bundled with home insurance you can save $191 in contrast with Center ($193), Fauquier County ($195), New Baltimore ($197).
  • Senior Discounts: 983 seniors (more than 55 years) occupied housing units (43% of total) in Warrenton get discounts between $113 to $115. The comparative concessions in proximate regions such as Center, Fauquier County and New Baltimore are $115, $117 and $118 respectively.
  • New Homes discounts: New homes such as the 1,827 homes built between 2000 to 2009 in Warrenton can save $152 compared to Center ($154), Fauquier County ($156), New Baltimore ($158).

Warrenton Homeowners insurance Facts

  • Warrenton, VA has 2,238 owner occupied houses which is 61.0% of all units whereas Center, Fauquier County and New Baltimore have 72.84%, 79.09% and 90.17% respectively.
  • Warrenton, VA homeowners yearly insurance price at $764 is 0.25% of the typical house value of $308,100 which is in contrast with 0.23% in Center, 0.21% at Fauquier County & 0.2% in New Baltimore.
  • Homeowners in Warrenton, VA pay 2.78% of their income ($25,000 to $29,999) in insurance whereas homeowners in Center, Fauquier County and New Baltimore pay 2.81%, 2.84% and 2.87% respectively.
  • Warrenton, VA’s insurance is 3.3% of monthly housing costs of $1,949/month, for owners with a mortgage compared to 2.91% in Center, 2.87% at Fauquier County & 2.53% in New Baltimore. But, for households without a mortgage, insurance is 11.9% of costs ($536 in Warrenton, VA) in contrast with 12.11% in Center, 11.26% at Fauquier County & 11.59% in New Baltimore.

Warrenton, VA Home Values & Insurance rates

For example, insurance for 305 Homes (18.0% of total homes ) valued between $250,000 to $299,999 in Warrenton, VA is about $679. Rates in nearby areas in such as Center, Fauquier County, New Baltimore are cheaper by $53, $94, $134 respectively while Opal and Calverton are costlier by $41 and $7 respectively for similar homes.

Warrenton, VA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 58 3.0% $61
$100,000 to $124,999 51 3.0% $267
$125,000 to $149,999 105 6.0% $336
$150,000 to $174,999 79 4.0% $397
$175,000 to $199,999 185 11.0% $458
$200,000 to $249,999 290 17.0% $557
$250,000 to $299,999 305 18.0% $679
$300,000 to $399,999 567 34.0% $863

Renters Insurance in Warrenton

  • Average Renters Insurance in Warrenton :  $99($8/month)

  • Median Gross Rent in Warrenton :  $1,093

  • Warrenton Renters Insurance to Median Rent Ratio:  0.73%

  • Renter occupied housing units in Warrenton :  1,434

Warrenton Renters Insurance as a Percentage of Rent

Warrenton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 69 4.0% $774
$300 to $499 40 2.0% $1224
$500 to $749 100 6.0% $1899
$750 to $999 310 21.0% $2649
$1,000 to $1,499 595 41.0% $3774
$1,500 or more 311 21.0% $5424

Rent Affordability in Warrenton:

Approximately 35.0% (516) of households are spending more than 35% of their income on gross rent in Warrenton

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 108 7.0%
15.0 to 19.9 percent 107 7.0%
20.0 to 24.9 percent 279 19.0%
25.0 to 29.9 percent 141 9.0%
30.0 to 34.9 percent 283 19.0%
35.0 percent or more 516 35.0%

Warrenton Renters Insurance Discounts:

Warrenton Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Warrenton, VA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 584 40.0% $9.9
2 vehicles available 488 34.0% $14.85
3 or more vehicles available 74 5.0% $19.8

Protective device discount in Warrenton Up to :  $14

Claims-free discount in Warrenton Up to :  $19