How Much Is Homeowners Insurance Generally? 
The cost of homeowners insurance is determined by several factors . Location , type of house , condition of the property , claim history and personal credit are some of the major factors . In Virginia , homeowners insurance typically ranges between $ 400 - $ 1,800 per year . In Maryland , rates are typically between $ 600 - $ 2,500 . In South Carolina , homeowners insurance is very expensive especially if you live on the coast . Insurance rates in Hilton Head , SC can exceed $ 5,000 for a modest home . 