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Clay, AL Home Values & Insurance Rates

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

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

Example Clay Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceState FarmTravelers
Monthly Premium 303499
Year Built 198419912004
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 2 Baths
Coverage Amount $100000-$125000$100000-$125000$200000-$250000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500 Deductible

Top Home Insurance Agents Near Clay, AL

Home Insurance Company Near Clay, AL Homeowners Insurance Agency Near Clay, AL Address Distance from Clay, AL (miles)
Travelers Insurance Office Of America One Perimeter Park South One Perimeter Park South, Birmingham, AL, 35243 20.7
State Farm Rick Hester 210 Bay St, Gadsden, AL, 35901-5231 38.7
Farmers Sandra Benton 1929 Us Highway 11, Trussville, AL, 35173 3.8
Travelers Allison Agency Inc 313 LOUISA ST, WARRIOR, AL, 35180 15.1
Allstate David Messer 1027 S Quintard Ave, Anniston, AL, 36201 43.5


Estimated Home Insurance By Street Area Near Clay, AL

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

Clay, AL Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$2,800
Yearly Clay Homeowner Insurance Premium Example $1,000$800
Out of Pocket Expense During Claim$1,800$2,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $9,800$9,200
Net Savings to Clay Home Owner from High Deductible Plan $600

Clay, AL Home Insurance Costs With Home Replacement Value Scenarios

Scenario Clay, AL Home Replacement Value MORE than Home Value Clay, AL Home Replacement Value LESS than Home Value
Replacement Value $229,000 $153,000
Insurance Premium based on Replacement Value $1,075 $725
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,000 Risk Exposure from Under Insuring Coverage is $38,000
Premium Impact Insurance cheaper by $175/year Insurance costlier by $175/year