Homeowner Insurance Costs in Josephine County, OR

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

Est. Annual Premium

$1,946

Monthly Cost

$162

Median Home Value

$353,800

% of Income

3.5%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$353,800
Personal Property (C)$176,900
Liability (E)$300,000
Deductible$3,538

Cost Context

Homeownership Rate70.6%
Median Income$56,068
Property Tax Rate0.5%
Population87,994

About Insurance in Josephine County

Homeowner insurance in Josephine County, Oregon costs an estimated $1,946 per year for a median-value home of $353,800. This represents approximately 3.5% of the median household income of $56,068.

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 Oregon

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.