Small Town News

Home insurance higher in Council, McCall

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A study of 38 Idaho cities & towns by ValuePenquin.com found that Council is among the 5 costliest places to insure a home in Idaho. Average premiums here are 8% above the ID state mean. The study also found that where Idahoans live can significantly influence how much they pay for insurance; annual costs can vary by 26% from the most expensive city to the cheapest.

Prices can vary between cities, due to a wide variety of factors. The Idaho statewide average home insurance price is $1,041. However, certain homeowners can pay as much as $1,178.

The 5 Idaho towns with the costliest home insurance were, in order, starting with the highest: Ketchum (13% above the mean), McCall (+13%), Priest River (+12%), Bonners Ferry (+9%) and Council (+8%). McCall

Due to lakefront recreational areas, forests, and ski trails, McCall is one of Idaho's major tourism hot spots. As with many resort towns, visitors tend to bring with them elevated crime rates. McCall's crime rates are nearly triple that of the Idaho state average. Elevated crime rates come correlate with higher home insurance prices McCall is no exception. It costs, on average, 13% more to insure our model property in this city-roughly $1,172 for a one year policy. Council Council, is the smallest city on the list and the fifth most expensive place to insure a home in the state Sample property in Council, typically showed prices around $1,124, or 8% higher than the Idaho statewide average.



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