Homeowner Insurance Costs in Lincoln County, OR

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

Est. Annual Premium

$1,899

Monthly Cost

$158

Median Home Value

$345,300

% of Income

3.3%

Typical Coverage Breakdown

Coverage Amounts

Dwelling (Coverage A)$345,300
Personal Property (C)$172,650
Liability (E)$300,000
Deductible$3,453

Cost Context

Homeownership Rate70.7%
Median Income$57,794
Property Tax Rate0.9%
Population50,334

About Insurance in Lincoln County

Homeowner insurance in Lincoln County, Oregon costs an estimated $1,899 per year for a median-value home of $345,300. This represents approximately 3.3% of the median household income of $57,794.

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.