Clyde Insurance Rates:

Clyde, TX home insurance is about $853 to $1,165, about $71-$97/month. Our thorough research reveals consumers can save as much as $403 by getting many quotes

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Clyde Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $390/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

4 Beds, 4 Baths 2380 sqft Primary Residence Constructed In 2013 with Wood Flooring, Shingles Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

41 Years old Married Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1340/9 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $235,000

4 Beds, 4 Baths 3180 sqft Vacation Property Constructed In 2012 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $610/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Bath 1700 sqft Seasonal Residence Constructed In 2002 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

49 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $150/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $110,000

4 Beds, 4 Baths 2070 sqft Vacation Property Constructed In 1987 with Stone Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $560/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 3290 sqft Seasonal Residence Constructed In 1999 with Ceramic Tile Flooring, Tile Roof, Slab Foundation, Stucco siding, Metal Frame Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Married Male who is Retired with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $960/12 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 2000 sqft Vacation Property Constructed In 1994 with Carpet Flooring, Membrane Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $420/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

4 Beds, 4 Baths 1700 sqft Primary Residence Constructed In 2011 with Linoleum, Membrane Roof, Piers Foundation, Brick siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $90/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 2310 sqft Primary Residence Constructed In 2008 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single 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 :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $790/8 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $155,000

4 Beds, 4 Bath 2320 sqft Seasonal Residence Constructed In 1977 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $80/1 month for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 2120 sqft Primary Residence Constructed In 1998 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

67 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Clyde, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
79510 $84,500 $1,020

Clyde Rates & Quotes Analysis:

Clyde Area Estimated House Insurance
Bryant Rd, Kaiser Ln, Pvt Rd 2221, Osborn Rd, Pvt Rd 1170, Stephens St, Co Rd 103 W, Pvt Rd 2286, Co Rd 237, Co Rd 223$993
N 5th St, I- 20 W Access Rd, Co Rd 279, I- 20 North Access Rd, Pvt Rd 2582, Pvt Rd 2225, FM 2700, Co Rd 127, Pvt Rd 6312, P R 1027$1,012
Bengal Rd, N 1st St, Cherry Ln, Pecan Meadow Dr, Co Rd 211, Pvt Rd 5071, Co Rd 112 W, Access Rd, Pvt Rd 1127, Pvt Rd 1121$993
Plum St, Oriole Dr, Cherry Hts, Co Rd 260, Castle Dr, Pvt Rd 1192, Pvt Rd 2573, Co Rd 228, Sunset Dr, Gas House Rd$999
Bluebird Dr, Co Rd 111, Oak St, Co Rd 102, Bluebonnet Ln, Co Rd 120, Co Rd 278, Chickamauga Rd, Pvt Rd 5073, FM 604 S$1,006

Insurance rates are influenced by a number of factors including:

  • Year Built: 1,127 Homes (26% of total) built between 1980 to 1989 in Clyde are paying home insurance between $1,505-$1,521 and differs from Potosi (+$90), Abilene (+$13), Jim Ned (+$47), Baird (-$16) and Lawn (-$38).
  • Bedrooms: 985 2 bedrooms homes (23% of total homes ) in Clyde are paying about $616 and varies from Potosi (+$37), Baird (+$3), Abilene (+$5), Tuscola (-$4) and Lawn (-$6).
  • Auto Insurance Bundling: 697 Households (23% of all households) in Clyde have 3 or more vehicles available and when it is bundled with home insurance you can save $252. Discounts for similar bundling in close by locations such as Callahan County, Potosi, Baird come to $251, $267, $249 respectively.
  • Senior Discounts: 1,778 seniors (more than 55 years) occupied housing units (61% of total) in Clyde get discounts between $150 to $152. The comparative concessions in proximate regions such as Callahan County, Potosi and Baird are $150, $160 and $149 respectively.
  • New Homes discounts: New homes such as the 1,394 homes built between 2000 to 2009 in Clyde can save $201 and similar new home insurance discounts in nearby towns and cities like Callahan County, Potosi and Baird are $201, $213 and $199 respectively.

Clyde Homeowners insurance Facts

  • Clyde, TX has 2,906 owner occupied houses which is 83.3% of all units whereas Callahan County, Potosi and Baird have 82.48%, 90.61% and 79.72% respectively.
  • Clyde, TX homeowners yearly insurance price at $1,009 is 1.25% of the typical house value of $80,700 which is in contrast with 1.33% in Callahan County, 0.57% at Potosi & 1.62% in Baird.
  • Homeowners in Clyde, TX pay 3.1% of their income ($30,000 to $34,999) in insurance whereas homeowners in Callahan County, Baird and Abilene pay 3.1%, 3.07% and 3.13% respectively.
  • Clyde, TX’s insurance is 7.8% of monthly housing costs of $1,080/month, for owners with a mortgage compared to 7.97% in Callahan County, 5.52% at Potosi & 9.26% in Baird. But, for households without a mortgage, insurance is 20.9% of costs ($402 in Clyde, TX) in contrast with 22.78% in Callahan County, 18.37% at Potosi & 24.9% in Baird.

Clyde, TX Home Values & Insurance rates

For example, insurance for 199 Homes (6.0% of total homes ) valued between $60,000 to $69,999 in Clyde, TX is about $807. Rates in nearby areas in such as Potosi, Abilene, Jim Ned are cheaper by $444, $125, $308 respectively while Callahan County and Baird are costlier by $58 and $240 respectively for similar homes.

Clyde, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 840 29.0% $302
$50,000 to $59,999 235 8.0% $655
$60,000 to $69,999 199 6.0% $807
$70,000 to $79,999 170 5.0% $928
$80,000 to $89,999 132 4.0% $1059
$90,000 to $99,999 117 4.0% $1180
$100,000 to $124,999 272 9.0% $1372
$125,000 to $149,999 421 14.0% $1715
$150,000 to $174,999 146 5.0% $2028
$175,000 to $199,999 152 5.0% $2340
$200,000 to $249,999 108 3.0% $2815
$250,000 to $299,999 63 2.0% $3440

Renters Insurance in Clyde

  • Average Renters Insurance in Clyde :  $236($19/month)

  • Median Gross Rent in Clyde :  $775

  • Clyde Renters Insurance to Median Rent Ratio:  2.45%

  • Renter occupied housing units in Clyde :  582

Clyde Renters Insurance as a Percentage of Rent

Clyde Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 11 2.0% $359
$200 to $299 8 1.0% $809
$300 to $499 78 18.0% $1259
$500 to $749 81 19.0% $1934
$750 to $999 219 52.0% $2684
$1,500 or more 20 4.0% $5459

Rent Affordability in Clyde:

Approximately 63.0% (372) of households are spending more than 35% of their income on gross rent in Clyde

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 79 13.0%
15.0 to 19.9 percent 59 10.0%
20.0 to 24.9 percent 28 4.0%
25.0 to 29.9 percent 24 4.0%
30.0 to 34.9 percent 20 3.0%
35.0 percent or more 372 63.0%

Protective device discount in Clyde Up to :  $35

Claims-free discount in Clyde Up to :  $47