Clay Insurance Rates:

Clay, AL homeowners insurance is approximately $835 to $1,140, about $69-$95/month. Our extensive research indicates shoppers can save upto $395 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Clay, AL Homeowners Insurance By Home Value

Clay, AL Home Value Total Homes % of Total Average Clay, AL 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

Top Home Insurance Agents Near Clay, AL

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

Cost Of Homeowners Insurance By Street Near Clay, AL

Streets in Clay Area Homeowners Insurance Cost
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 Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Clay$147 to $150
Argo$146
Palmerdale$148
Trussville$153

Clay, AL Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Argo town, Alabama $146 $195 $293
Palmerdale CCD, Jefferson County, Alabama $148 $197 $296
Trussville city, Alabama $153 $204 $306

Clay, AL Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Clay, AL6.0%18.8%
Argo6.93%20.35%
Palmerdale5.97%23.52%
Trussville5.12%18.43%

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

Average Cost Of Home Insurance By Company In Areas Nearby Clay For Different Scenarios

Deductible Coverage Company Premium ($)
$500 $150,000 Alfa Mutual General Insurance Co 1683
$500 $150,000 American National General Ins Company 742
$500 $150,000 Nationwide Mutual Fire Ins Company 1038
$500 $150,000 State Farm Fire & Casualty Company 1628
$500 $150,000 United Services Automobile Association 921
$500 $300,000 Alfa Mutual Insurance Company 2141
$500 $300,000 American National General Ins Company 1192
$500 $300,000 American National Property & Casualty Company 1031
$500 $300,000 Amica Mutual Ins Company 2496
$500 $300,000 Guideone Specialty Mutual Insurance Co 3647

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

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

Sample Home Insurance Rates for Clay, AL from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2011 210,000 Asphalt Shingles Roof 2,420 4 $500 Deductible 900 12 Stone Siding yes
2013 165,000 Wood Shake Roof 1,550 3 $500 Deductible 380 5 Wood siding yes
2009 440,000 Membrane Roof 4,020 5 $500- $1000 Deductible 940 5 Brick siding No
1993 150,000 Metal Roof 1,430 3 $500 Deductible 310 8 Wood siding yes
2001 310,000 Metal Roof 2,780 4 $1000-$2500 Deductible 950 6 Brick siding yes
2014 215,000 Membrane Roof 2,450 4 $2500-$5000 Deductible 460 7 Stone Siding No
1989 155,000 Tile Roof 1,560 5 $5000 to $10,000 Deductible 300 7 Brick siding yes
2005 220,000 Asphalt Shingles Roof 1,840 3 $500- $1000 Deductible 690 8 Fiber-Cement Siding No
2012 190,000 Membrane Roof 1,900 4 $5000 to $10,000 Deductible 400 6 Wood siding yes
1986 175,000 Asphalt Shingles Roof 1,780 4 $2500-$5000 Deductible 210 4 Brick siding No
2006 300,000 Composition Roof 3,400 4 $2500-$5000 Deductible 840 7 Vinyl siding yes
2010 245,000 Slate Shingles Roof 2,210 3 $500- $1000 Deductible 1550 12 Brick siding No
2001 330,000 Tile Roof 2,780 5 $500- $1000 Deductible 980 10 Vinyl siding No