Clay Insurance Rates:

Clay, AL home insurance is approximately $835 to $1,140, about $69-$95/month. Our extensive research indicates shoppers can save upto $395 by comparing different quotes

Compare Quotes from Top Providers and Save now!

Research about Clay Home Insurance Rates, Quotes, Reviews, Agents, Coverage & other ways to save money in Alabama. Compare quotes & save.

Clay Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $310/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Baths 1430 sqft Vacation Property Constructed In 1993 with Linoleum, Metal Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Swimming Pool, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Male who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $950/6 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Bath 2780 sqft Seasonal Residence Constructed In 2001 with Linoleum, Metal Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Fireplace, Copper Water Pipes, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Bath 2450 sqft Vacation Property Constructed In 2014 with Stone Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Single Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

Home Insurance Rate of $300/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

5 Beds, 5 Baths 1560 sqft Primary Residence Constructed In 1989 with Stone Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $690/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 1840 sqft Rental Property Constructed In 2005 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $400/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 1900 sqft Vacation Property Constructed In 2012 with Wood Flooring, Membrane Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $210/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $175,000

4 Beds, 4 Bath 1780 sqft Primary Residence Constructed In 1986 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $840/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Baths 3400 sqft Rental Property Constructed In 2006 with Wood Flooring, Composition Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $1550/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $245,000

3 Beds, 3 Baths 2210 sqft Rental Property Constructed In 2010 with Linoleum, Slate Shingles Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $980/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $330,000

5 Beds, 5 Baths 2780 sqft Primary Residence Constructed In 2001 with Linoleum, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Clay Rates & Quotes Analysis:

Clay Area Estimated House Insurance
Mountain Heights Rd, Bob White Ln, Shriner Dr, Cantebury Rd, Carmel Rd, Ziklag Pl, Mobley Dr, Old Mill Trl, Bentwood Dr, Carrolwood Way$1,004
Brewer Ln, Zoba Cir, Heather Ln, Manchester Way, Tucker Cir, Leighaven Way, Stone Mill Rd, Self Rd, Martin Wilson Rd, Woodvale Ln$999
Lake in the Woods Rd, Hummingbird Cir, Steeple Chase Dr, Pamela Dr, Kemberton Way, Wind Gap Ln, Marchester Cir, Candlewood Ln, Vera Cruz Dr, Darlene Cir$1,002
Moss Rock Dr, Wesson Cir, Longview Ln, Shane Cir, Lazy Acres Trl, Spring Glade Cir, Twin Lakes Rd, Treck Cir, Kimberly Loop, Tucker-Brown Rd$972
Falling Creek Ln, Freda Dr, Old Mill Trce, Joab Cir, Misty Ln, Georgia Manor Ln, Chris Dr, Oxford Cir, Deerfoot Pkwy, Elizabeth Dr$994

Insurance rates are influenced by a number of factors including:

  • Year Built: 724 Homes (14% of total homes ) built between 1970 to 1979 in Clay are paying home insurance between $1,602-$1,617. Places close to Clay, AL such as Trussville, Leeds, Highland Lake are more expensive by $59, $31, $23 respectively while Argo and Pinson are cheaper by $18 and $37 respectively for similar homes.
  • Bedrooms: 1,268 4 bedrooms homes (24% of total homes ) in Clay are paying about $1,323. Areas near to Clay such as Trussville, Leeds, Highland Lake are costlier by $49, $16, $9 respectively whereas Argo and Palmerdale are more economical by $14, $9 respectively for similar homes.
  • Auto Insurance Bundling: 1,768 Households (41% of all households) in Clay have 2 vehicles available and when it is bundled with home insurance you can save $197 and varies from Argo ($195), Palmerdale ($197), Trussville ($204).
  • Senior Discounts: 1,732 seniors (more than 55 years) occupied housing units (40% of total) in Clay get discounts between $147 to $150. The comparative concessions in proximate regions such as Argo, Palmerdale and Trussville are $146, $148 and $153 respectively.
  • New Homes discounts: New homes such as the 3,174 homes built between 2000 to 2009 in Clay can save $197 and similar new home insurance discounts in nearby towns and cities like Argo, Palmerdale and Trussville are $195, $197 and $204 respectively.

Clay Homeowners insurance Facts

  • Clay, AL has 4,292 owner occupied houses which is 90.1% of all units whereas Argo, Palmerdale and Trussville have 89.51%, 90.61% and 88.78% respectively.
  • Clay, AL homeowners yearly insurance price at $988 is 0.58% of the typical house value of $170,200 which is in contrast with 0.64% in Argo, 0.58% at Palmerdale & 0.45% in Trussville.
  • Homeowners in Clay, AL pay 5.65% of their income ($15,000 to $19,999) in insurance whereas homeowners in Argo, Palmerdale and Trussville pay 5.58%, 5.65% and 5.85% respectively.
  • Clay, AL’s insurance is 6.0% of monthly housing costs of $1,364/month, for owners with a mortgage compared to 6.93% in Argo, 5.97% at Palmerdale & 5.12% in Trussville. But, for households without a mortgage, insurance is 18.8% of costs ($439 in Clay, AL) in contrast with 20.35% in Argo, 23.52% at Palmerdale & 18.43% in Trussville.

Clay, AL Home Values & Insurance rates

For example, insurance for 65 Homes (1.0% of total homes ) valued between $80,000 to $89,999 in Clay, AL is about $484. Rates in nearby areas in such as Leeds, Highland Lake, Smoke Rise are cheaper by $72, $54, $27 respectively while Argo and Pinson are costlier by $53 and $123 respectively for similar homes.

Clay, AL Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 133 3.0% $138
$50,000 to $59,999 64 1.0% $296
$80,000 to $89,999 65 1.0% $484
$90,000 to $99,999 293 7.0% $543
$100,000 to $124,999 547 13.0% $632
$125,000 to $149,999 511 12.0% $790
$150,000 to $174,999 626 15.0% $938
$175,000 to $199,999 421 10.0% $1086
$200,000 to $249,999 594 14.0% $1304
$250,000 to $299,999 432 10.0% $1590
$300,000 to $399,999 311 7.0% $2025

Renters Insurance in Clay

  • Average Renters Insurance in Clay :  $178($14/month)

  • Median Gross Rent in Clay :  $872

  • Clay Renters Insurance to Median Rent Ratio:  1.61%

  • Average household size of renter-occupied unit :  2.68

Clay Renters Insurance as a Percentage of Rent

Clay Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 33 8.0% $1919
$750 to $999 188 49.0% $2669
$1,000 to $1,499 161 42.0% $3794

Rent Affordability in Clay:

Approximately 56.0% (266) of households are spending more than 35% of their income on gross rent in Clay

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 15 3.0%
15.0 to 19.9 percent 55 11.0%
20.0 to 24.9 percent 25 5.0%
25.0 to 29.9 percent 66 13.0%
30.0 to 34.9 percent 47 9.0%
35.0 percent or more 266 56.0%

Clay Renters Insurance Discounts:

Clay Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Clay, AL Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 176 37.0% $17.8
2 vehicles available 196 41.0% $26.7
3 or more vehicles available 102 21.0% $35.6

Clay Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 56 11.0% $87

Protective device discount in Clay Up to :  $26

Claims-free discount in Clay Up to :  $35