Homeowner Insurance Costs in Lincoln County, CO

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

Est. Annual Premium

$1,309

Monthly Cost

$109

Median Home Value

$238,000

% of Income

2.2%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$238,000
Personal Property (C)$119,000
Liability (E)$300,000
Deductible$2,380

Cost Context

Homeownership Rate71.2%
Median Income$59,167
Property Tax Rate0.3%
Population5,583

About Insurance in Lincoln County

Homeowner insurance in Lincoln County, Colorado costs an estimated $1,309 per year for a median-value home of $238,000. This represents approximately 2.2% of the median household income of $59,167.

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.