Homeowner Insurance Costs in Gilpin County, CO

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

Est. Annual Premium

$2,559

Monthly Cost

$213

Median Home Value

$465,300

% of Income

2.7%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$465,300
Personal Property (C)$232,650
Liability (E)$300,000
Deductible$4,653

Cost Context

Homeownership Rate78.6%
Median Income$95,902
Property Tax Rate0.3%
Population5,856

About Insurance in Gilpin County

Homeowner insurance in Gilpin County, Colorado costs an estimated $2,559 per year for a median-value home of $465,300. This represents approximately 2.7% of the median household income of $95,902.

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 Colorado

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.