Homeowner Insurance Costs in Gem County, ID
How much does homeowner insurance cost in Gem County? Here's what to expect.
Est. Annual Premium
$1,786
Monthly Cost
$149
Median Home Value
$324,700
% of Income
2.7%
Typical Coverage Breakdown
Coverage Amounts
Dwelling (Coverage A)$324,700
Personal Property (C)$162,350
Liability (E)$300,000
Deductible$3,247
Cost Context
Homeownership Rate75.4%
Median Income$65,204
Property Tax Rate0.4%
Population19,250
About Insurance in Gem County
Homeowner insurance in Gem County, Idaho costs an estimated $1,786 per year for a median-value home of $324,700. This represents approximately 2.7% of the median household income of $65,204.
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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