Homeowner Insurance Costs in Franklin County, ID

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

Est. Annual Premium

$1,480

Monthly Cost

$123

Median Home Value

$269,100

% of Income

2.4%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$269,100
Personal Property (C)$134,550
Liability (E)$300,000
Deductible$2,691

Cost Context

Homeownership Rate77.4%
Median Income$61,679
Property Tax Rate0.5%
Population14,376

About Insurance in Franklin County

Homeowner insurance in Franklin County, Idaho costs an estimated $1,480 per year for a median-value home of $269,100. This represents approximately 2.4% of the median household income of $61,679.

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.

Calculate Your True Insurance Cost

Get a peril-by-peril risk analysis, coverage optimization, and premium comparison. Find out if you're over-insured, under-insured, or paying too much.

Start Free Analysis

Other Counties in Idaho

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.